PIVOT Fintech

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.

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

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

• Robo-advisory platform
• Digital wealth management
• AI portfolio management
• Algorithmic asset allocation
• Investment management SaaS

Headquarters

HQ city

Singapore

HQ country

Singapore

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales

Revenue model

1. 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.
2. 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.
3. 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

Go-to-market motion3 records

Distribution channels3 records

Marketing channels6 records

Core 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

Named customers2 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability4 records

Feature5 records

Partnerships

Five partnerships are on record, tiered core and minor.

• Xiamen International Bank (XIB)coreStrategic or Co-development PartnerPIVOT 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 NPTminorStrategic or Co-development PartnerNewland 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 GroupminorStrategic or Co-development PartnerSinopay 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 InstitutionscoreOEM/ Whitelabel/ Licensing PartnerPIVOT 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)coreTechnology or IntegrationPOLARIS 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

Direct 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

• Xtwitter.com/pivotfintech
• YouTubeyoutube.com/channel/UCq1L3CvZ1FvIDoC2gDQTv5g
• Facebookfacebook.com/pivotft
• LinkedInlinkedin.com/company/pivot-fintech
• Instagraminstagram.com/pivotfintech

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Funding overview

Funding rounds1 record

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about PIVOT Fintech