Circles.Life
Circles.Life is Singapore's largest digital-first MVNO offering AI-bundled no-contract mobile plans to consumers, and licenses its CirclesX SaaS platform (embedded finance and AI) to telecom operators globally.
- Company typePrivate
- Founded2014
- HeadquartersSingapore, Singapore
- Headcount501–1,000
- GTM typeB2B and B2C
- OfferingServices
What Circles.Life does
Circles.Life is a Singapore-based digital-first mobile virtual network operator (MVNO) and telco-technology platform, founded in 2014 and operating as the largest MVNO in Singapore under parent Liberty Wireless. The company delivers no-contract SIM-only mobile plans (Circles Plus, Pro, Core, 4G Core) priced from S$10.80 to S$12.99 per month, bundled with frontier AI model access, roaming, and the Zerofy cashback program that allows bill offset to S$0. A monthly platform fee (S$0.70 from February 2026) funds the digital platform and AI feature layer.
The core technology stack is an AI-native telco platform comprising CareX (a multi-agent customer support system achieving 95% resolution rate and 85% no-human-touch queries) and Circles Xplore IQ (a monetization engine delivering 22% ARPU uplift and 9% churn reduction). The CirclesAI layer integrates leading AI models from OpenAI, Google, Perplexity, Anthropic, DeepSeek, and Qwen. The company co-developed this stack under a multi-year OpenAI collaboration and is extending it into autonomous network operations via the TM Forum Catalyst Program with HCLTech, GreySkies, and Tier-1 operators KDDI, Orange, and TELUS.
Commercially, Circles.Life operates a dual GTM: a product-led growth, self-serve consumer channel in Singapore with instant eSIM activation, and an enterprise SaaS channel via the CirclesX platform, which licenses embedded finance (in partnership with Airwallex across 70+ countries) and AI capabilities to telecom operators globally. Revenue is derived from recurring mobile subscriptions, platform fees, Zerofy cashback economics, and CirclesX SaaS licensing. The company is backed by Peak XV Partners, Warburg Pincus, Founders Fund, and EDBI, and employs 501-1,000 staff.
Circles.Life firmographics
Firmographics- Name
- Circles.Life
- Legal name
- Circles.Life
- Website
- https://circles.life
- Company type
- Private
- Founded year
- 2014
- Operating status
- Operating
- Headcount range
- 501–1,000 employees
- Short description
- Circles.Life is Singapore's largest digital-first MVNO offering AI-bundled no-contract mobile plans to consumers, and licenses its CirclesX SaaS platform (embedded finance and AI) to telecom operators globally.
- Ownership category
- akta.pro rank
Circles.Life industry classification
Industry- Product category
- Mobile Telecommunications
- NAICS
- Wired and Wireless Telecommunications Carriers (except Satellite) (51711), Telecommunications Resellers (517121)
- SIC
- Radiotelephone Communications (4812)
- akta.pro primary industry
- Mobile Virtual Network Enablers & Full MVNO Operators (HDAIAAAC)
- akta.pro secondary industries
- Enterprise & B2B Mobile Network Operators (HDAIAAAB), Mobile Wholesale & Roaming Providers (Interconnect, IOT, Roaming Hubs) (HDAIAAAD)
Keywords
Where Circles.Life is headquartered
LocationHeadquarters
- HQ city
- Singapore
- HQ country
- Singapore
- HQ region
- Asia
Offices1 record
Markets served
Circles.Life business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Operations, Technology or R&D, Personnel, Marketing or Sales, Infrastructure
Revenue model
- Mobile Service Subscriptions: Monthly subscription fees from SIM-only mobile plans with various data bundles and roaming features. Core B2C revenue stream with tiered pricing from S$10.80 to S$12.99 per month.
- Platform Fee: Monthly platform fee charged to customers for access to digital platform features including AI tools, cashback programs, and new services. Increased from S$0.30 to S$0.70 in February 2026.
- B2B SaaS Platform (CirclesX): Licensing and SaaS revenue from telecom operators using CirclesX platform for embedded finance and AI capabilities. Global partnership with Airwallex enables digital banking services across 70+ countries.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Circles Plus 5G - 300GB with Asia roaming |
| Subscription | Monthly | Circles Pro 5G - 600GB with global roaming |
| Subscription | Monthly | Circles Core 5G - 200GB |
| Subscription | Monthly | 4G Core - 350GB |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels4 records
Circles.Life product offering
Product offeringCore offering
Circles.Life is Singapore's largest mobile virtual network operator (MVNO), delivering no-contract SIM-only mobile plans bundled with AI services, cashback rewards, and global roaming. Through its wholly-owned CirclesX subsidiary, the company also licenses a B2B SaaS platform to telecom operators worldwide, embedding digital financial services and AI-native network operations.
Product overview
Circles.Life is a digital-first mobile operator (Singapore's largest MVNO) offering a unified product portfolio centered on the CirclesAI platform. The core offering comprises mobile plans (Circles Plus 5G/300GB, Circles Pro 5G/600GB, Circles Core 5G/200GB, and 4G Core/350GB) that bundle AI access, roaming, and the Zerofy cashback program. The AI layer includes CareX multi-agent customer support (95% resolution rate) and Circles Xplore IQ monetization engine (22% ARPU uplift). For telecom operators, CirclesX is a SaaS platform enabling embedded financial services. All plans include access to multiple frontier AI models (OpenAI, Google, Anthropic, Perplexity, DeepSeek, Qwen) through the CirclesAI assistant.
Differentiator
Problem solved
Functional benefit
Brands
- CirclesAI: AI platform integrating leading AI models from OpenAI, Google, and Perplexity for customer service and monetization
- Zerofy
- CirclesX
- CareX
- Circles Xplore IQ
Products and services
- SIM-Only Mobile Plans (Circles Plus, Circles Pro, Circles Core, 4G Core)
Quantifiable outcome
- 95% customer query resolution rate with CareX AI support system
- +4 more outcomes
Companies that use Circles.Life
Customer profileNamed customers4 records
Segments2 records
Ideal customer profiles2 records
Circles.Life technology and API
TechnologyAPI detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration7 records
AI capability7 records
Feature5 records
Circles.Life partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered flagship and core.
- HCLTechflagshipCollaboration in TM Forum Catalyst Program to develop AI-powered multi-agent framework for autonomous network operations. Integrates Circles' AI-native platform, GreySkies' AIOps capabilities, and HCLTech's automation expertise within Open Digital Architecture. Projects to be showcased at DTW Ignite event in Copenhagen.
- GreySkiescoreCollaboration in TM Forum Catalyst Program providing AI-enabled network operations capabilities. Part of multi-agent framework to unify customer experience, network operations, and business processes into real-time operational ecosystem.
- TM ForumcoreCatalyst Program participant enabling collaboration with major telecom operators to develop AI-powered multi-agent framework using TM Forum Open APIs within Open Digital Architecture framework.
- OpenAIcoreMulti-year collaboration to build world's first AI-native telco stack. Launched AI concierge with CareX multi-agent support (95% resolution rate, 85% queries without human intervention) and Circles Xplore IQ monetization engine (22% ARPU uplift, 9% churn reduction). Companies plan to continue AI roadmap over next two years toward fully autonomous telco model.
- AirwallexcoreGlobal partnership to incorporate embedded financial services into CirclesX SaaS platform. Enables telecom operators to provide digital banking services across more than 70 countries. Aims to increase customer engagement, retention, and revenue through digital financial capabilities.
Scale indicators6 records
Recent moves6 records
Expansion highlights6 records
Circles.Life competitors and assessment
Company assessmentMarket position
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Circles.Life social profiles
Digital presenceCircles.Life financial estimates
Financial estimateRevenue estimate
Valuation estimate
Circles.Life leadership team
Management profileNumber of profiles
Profiles12 records
Circles.Life subsidiaries and ownership
Company hierarchySubsidiaries2 records
Circles.Life funding detail
Funding detailFunding overview
Funding rounds3 records
Investors4 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Circles.Life M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Circles.Life
What does Circles.Life do?
Circles.Life is Singapore's largest mobile virtual network operator (MVNO), delivering no-contract SIM-only mobile plans bundled with AI services, cashback rewards, and global roaming. Through its wholly-owned CirclesX subsidiary, the company also licenses a B2B SaaS platform to telecom operators worldwide, embedding digital financial services and AI-native network operations.
Is Circles.Life a public or private company?
Circles.Life is a private company. It is classified as venture growth investor backed and is currently operating.
When was Circles.Life founded?
Circles.Life was founded in 2014. It employs 501 to 1,000 people.
Where is Circles.Life based?
Circles.Life is headquartered in Singapore, Singapore, in the Asia region.
How does Circles.Life make money?
Three revenue lines are on record. Mobile Service Subscriptions are the primary driver. The others are platform Fee and B2B SaaS Platform (CirclesX).
Does Circles.Life have an API?
No public API is recorded for Circles.Life.
What industry is Circles.Life in?
Circles.Life's product category is Mobile Telecommunications. Its primary akta.pro industry code is HDAIAAAC, Mobile Virtual Network Enablers & Full MVNO Operators, with a secondary code of HDAIAAAB, Enterprise & B2B Mobile Network Operators. Its NAICS code is 51711 and its SIC code is 4812.