PIVOT Fintech
PIVOT Fintech is a Singapore-based AI-driven digital wealth management platform offering B2B SaaS to financial institutions and a B2C investment app (SqSave) for retail investors across Southeast Asia, licensed by MAS.
- Company typePrivate
- Founded2017
- HeadquartersSingapore, Singapore
- Headcount101–250
- GTM typeB2B and B2C
- OfferingSoftware
What PIVOT Fintech does
PIVOT Fintech Pte. Ltd. is a Singapore-based digital wealth management technology company founded in October 2017 by Victor Lye in partnership with PINTEC Group and with backing from FWD Group (Pacific Century). The company operates a dual business model: a B2B SaaS and licensing channel delivering AI-driven investment systems to financial institutions across Southeast Asia, and a direct-to-consumer platform branded SqSave (formerly SquirrelSave) that designs and manages personalized global portfolios for retail investors starting from a US$100 minimum.
The core technology is a transparent digital investment management system grounded in Markowitz's Modern Portfolio Theory, layered with proprietary predictive machine learning that generates fully machine-determined portfolio allocations daily based on real-time market data. The engine, known as the Digital Asset Allocation System (DAAS), performs continuous optimization and rebalancing across global asset classes, with transaction optimization algorithms that only execute trades expected to make a meaningful difference to portfolio outcomes. Complementary proprietary components include the SquirrelSave Risk Profiler, a gamified algorithm-driven risk assessment tool. Underlying technology originates from PINTEC's POLARIS robo-advisory unit, with technical support from over 400 PINTEC engineers and data analysts.
PIVOT generates revenue through three streams: low investment management fees on the SqSave consumer book (subscription/recurring), B2B SaaS and technology licensing to financial institutions, and bespoke end-to-end digital investment implementations. The company holds a Capital Markets Services licence (CMS100806) from the Monetary Authority of Singapore, making it a Licensed Fund Management Company authorized to serve both retail and Accredited Investors. It has expanded across Southeast Asia, with active business development in Malaysia and recent MoUs with Xiamen International Bank, Newland NPT and Sinopay Group targeting broader Asian growth.
PIVOT Fintech firmographics
Firmographics- Name
- PIVOT Fintech
- Legal name
- PIVOT Fintech Pte. Ltd.
- Website
- https://pivotfintech.com
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- PIVOT Fintech is a Singapore-based AI-driven digital wealth management platform offering B2B SaaS to financial institutions and a B2C investment app (SqSave) for retail investors across Southeast Asia, licensed by MAS.
- Ownership category
- akta.pro rank
PIVOT Fintech industry classification
Industry- Product category
- Robo-Advisory Platform
- NAICS
- Portfolio Management and Investment Advice (523940)
- SIC
- Investment Advice (6282)
- akta.pro primary industry
- Digital/Robo Financial Planning (FSAEAAAK)
- akta.pro secondary industries
- Hybrid Robo-Advisory Platforms (Advisor + Automation) (FSAGAEAB), Direct-to-Consumer Robo-Advisors (Retail Automated Portfolios) (FSAGAEAA), Automated Rebalancing, Tax-Loss Harvesting & Tax-Optimized Investing Tools (FSAGAEAE)
Keywords
Where PIVOT Fintech is headquartered
LocationHeadquarters
- HQ city
- Singapore
- HQ country
- Singapore
- HQ region
- Asia
Offices1 record
Markets served
PIVOT Fintech business model
Business model- GTM type
- B2B and B2C
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales
Revenue model
- Investment Management Fees: PIVOT charges low investment management fees compared to traditional investments, leveraging machine-driven efficiency and use of low-cost ETFs. ETFs typically charge 0-0.25% in fees versus 1.25-2.0% for mutual funds.
- B2B SaaS / Technology Licensing: PIVOT develops and delivers AI-driven investment systems to financial institutions, including proofs of concept, B2B2C SaaS solutions, or full end-to-end implementations subject to commercial arrangements.
- Consumer Platform (SqSave): Direct-to-consumer digital investment management service under the SqSave brand, offering personalized portfolios starting from as low as US$100 on regular savings plans.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Low management fees for retail investors |
Go-to-market motion3 records
Distribution channels3 records
Marketing channels6 records
PIVOT Fintech product offering
Product offeringCore offering
PIVOT Fintech operates a transparent digital investment management system based on Markowitz's Modern Portfolio Theory, using AI and predictive machine learning to design, build, and continuously optimize personalized global portfolios for investors. The company runs a dual model: a direct-to-consumer robo-advisory platform (SqSave, formerly SquirrelSave) for retail investors starting from US$100, and a B2B/B2B2C SaaS offering that delivers the same AI-driven investment engine to financial institutions across Southeast Asia.
Product overview
PIVOT Fintech operates a dual-model business: a B2B digital wealth management technology platform (PIVOT Platform) and a direct-to-consumer product (SqSave, formerly SquirrelSave). The B2B offering provides financial institutions with AI-driven investment technology services including proof-of-concept development, SaaS implementation, and full end-to-end digital investment solutions. The consumer-facing SqSave platform uses AI and Machine Learning to design and manage personalized global portfolios 24/7, offering features like the SquirrelSave Risk Profiler for risk assessment, KidSave for child investments, MoneyBox for savings, Gift-a-Portfolio for gifting, and DoGood for social impact. Both offerings are powered by the same core AI engine based on Modern Portfolio Theory with dynamic asset allocation algorithms.
Differentiator
Problem solved
Functional benefit
Brands
- SqSave: Consumer digital investment platform powered by AI and machine learning that designs personalized global portfolios for investors. Operates under regulatory oversight from MAS.
- SquirrelSave
Products and services
- SqSave (formerly SquirrelSave) Consumer-facing AI-driven robo-advisory platform that designs and manages personalized global portfolios 24/7 with no human bias. Provides real-time valuation, dynamic asset allocation, and risk-adjusted returns for individual investors via web and mobile app, starting from US$100.
- PIVOT Platform (B2B WealthTech) AI-driven digital wealth management technology platform licensed to banks, insurance companies, brokers, and asset managers. Delivered as B2B2C SaaS solutions, proofs of concept, or full end-to-end implementations enabling financial institutions to offer AI-driven robo-advisory services to their own customers.
- KidSave Investment service designed for children under the SqSave ecosystem, helping parents inculcate prudent investment habits through a 'Gift of Lifetime' approach. Targets families seeking long-term savings and financial literacy tools for the next generation.
Quantifiable outcome
- ETFs charge 0-0.25% vs mutual funds at 1.25-2.0%, delivering cost savings for investors
- +2 more outcomes
Companies that use PIVOT Fintech
Customer profileNamed customers2 records
Segments3 records
Ideal customer profiles2 records
PIVOT Fintech technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability4 records
Feature5 records
PIVOT Fintech partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core and minor.
- Xiamen International Bank (XIB)corePIVOT Fintech and Xiamen International Bank (XIB) signed a Memorandum of Understanding at the Singapore Fintech Festival in November 2024 to foster fintech innovations for Asian expansion.
- Newland NPTminorNewland Payment Technology (Newland NPT) signed an MoU with PIVOT Fintech and Sinopay Group at NRF 2024 Retail's Big Show Asia Pacific in June 2024 to explore strategic collaboration in fintech.
- Sinopay GroupminorSinopay Group signed an MoU with PIVOT Fintech and Newland NPT at NRF 2024 Retail's Big Show Asia Pacific in June 2024 to explore strategic collaboration in fintech.
- Malaysian Financial InstitutionscorePIVOT received a Letter of Intent from a leading Malaysian asset management firm to launch AI-driven investment management services in Malaysia. PIVOT was also preparing to design and build automated digital investment systems for a Malaysian bank and was in final stages of closing a second Malaysian financial institution.
- POLARIS (PINTEC's Robo-Advisory Unit)corePOLARIS is PINTEC's digital wealth-management and robo-advisory unit providing the machine learning technology backbone for PIVOT's dynamic asset allocation engine. POLARIS was launched in June 2016 and has been deployed at mainstream financial institutions in China including Minsheng Securities and Anbang Insurance Group.
Scale indicators5 records
Recent moves7 records
Expansion highlights6 records
PIVOT Fintech competitors and assessment
Company assessmentDirect peers
- StashAway: Singapore-headquartered digital wealth manager offering D2C robo-advisory portfolios across Southeast Asia with similar ETF-based construction and risk-profiling model. PIVOT's SqSave competes most directly with StashAway for mass-affluent retail investors in Singapore and Malaysia.
- Endowus: Singapore-based digital wealth platform providing robo-advisory for cash, CPF, SRS, and retail investing with low-cost fund wrappers. Endowus is the leading Singapore-licensed competitor to PIVOT in the same retail digital wealth category.
- Syfe: Singapore and Hong Kong-headquartered digital wealth manager with globally diversified ETF portfolios, automated rebalancing, and goal-based investing. Syfe's D2C product overlaps directly with PIVOT's SqSave offering for retail investors in SEA.
- Bambu: Singapore-based B2B robo-advisory and digital wealth white-label platform serving financial institutions globally. PIVOT's B2B arm targeting banks, insurers, and asset managers in SEA competes most directly with Bambu's enterprise offering.
Emerging players
- Kristal.AI: Singapore-headquartered digital wealth platform focused on democratizing access to alternative investments and managed portfolios. Partially overlapping with PIVOT in D2C digital wealth but differentiated by its alternatives focus.
- Wahed Invest: Global Shariah-compliant digital investment platform using algorithmic portfolio construction to serve Muslim investors across multiple jurisdictions. Overlaps with PIVOT on the robo-advisory tech stack but targets a distinct niche.
Broad incumbents
- Wealthsimple: Canada's largest independent online investment advisor offering trading, robo-advisory, and full wealth management at scale. Wealthsimple represents a broader-incumbent reference point for what a scaled digital wealth manager can become.
- Betterment: US pioneer of robo-advisory and one of the largest independent digital investment advisors globally. Betterment provides a global reference for the technology architecture and D2C GTM that PIVOT's SqSave product follows.
- Acorns: US-headquartered micro-investing and consumer savings platform popular with GenZ and Millennial retail investors. Acorns represents the broader consumer-investing incumbent model that PIVOT's SqSave targets with similar demographics and low-fee positioning.
Others
- PINTEC Group: Chinese fintech unicorn and PIVOT's founding parent company providing the POLARIS machine learning and robo-advisory technology backbone. PINTEC is included as the strategic technology partner / parent rather than a direct competitor, anchoring PIVOT's IP.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks7 records
Key highlights7 records
Customer concentration
PIVOT Fintech social profiles
Digital presencePIVOT Fintech compliance and trust
Trust signalCompliance1 record
PIVOT Fintech financial estimates
Financial estimateRevenue estimate
Valuation estimate
PIVOT Fintech leadership team
Management profileNumber of profiles
Profiles10 records
PIVOT Fintech funding detail
Funding detailFunding overview
Funding rounds1 record
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
PIVOT Fintech 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 PIVOT Fintech
What does PIVOT Fintech do?
PIVOT Fintech operates a transparent digital investment management system based on Markowitz's Modern Portfolio Theory, using AI and predictive machine learning to design, build, and continuously optimize personalized global portfolios for investors. The company runs a dual model: a direct-to-consumer robo-advisory platform (SqSave, formerly SquirrelSave) for retail investors starting from US$100, and a B2B/B2B2C SaaS offering that delivers the same AI-driven investment engine to financial institutions across Southeast Asia.
Is PIVOT Fintech a public or private company?
PIVOT Fintech is a private company. It is classified as corporate owned and is currently operating.
When was PIVOT Fintech founded?
PIVOT Fintech was founded in 2017. It employs 101 to 250 people.
Where is PIVOT Fintech based?
PIVOT Fintech is headquartered in Singapore, Singapore, in the Asia region.
How does PIVOT Fintech make money?
Three revenue lines are on record. Investment Management Fees are the primary driver. The others are B2B SaaS / Technology Licensing and consumer Platform (SqSave).
Who are PIVOT Fintech's main competitors?
Direct peers on record are StashAway, Endowus, Syfe and Bambu. Emerging players are Kristal.AI and Wahed Invest. Broad incumbents are Wealthsimple, Betterment and Acorns. PINTEC Group is listed as an others.
Does PIVOT Fintech have an API?
No public API is recorded for PIVOT Fintech.
What industry is PIVOT Fintech in?
PIVOT Fintech's product category is Robo-Advisory Platform. Its primary akta.pro industry code is FSAEAAAK, Digital/Robo Financial Planning, with a secondary code of FSAGAEAB, Hybrid Robo-Advisory Platforms (Advisor + Automation). Its NAICS code is 523940 and its SIC code is 6282.