Infina
Infina is a Singapore-incorporated, Vietnam-operating mobile retail investment platform offering savings, securities trading (Finavi), mutual funds, and insurance to individual Vietnamese investors, distributed through its own app and TPBank, ZaloPay, and AppotaPay white-label partnerships.
- Company typePrivate
- Founded2020
- HeadquartersSingapore, Singapore
- Headcount51–100
- GTM typeB2B and B2C
- OfferingServices
What Infina does
Infina (legal entity Công Ty Cổ Phần Real Stake Fintech, incorporated October 2020) is a Singapore-incorporated, Vietnam-operating retail investment platform that targets Vietnamese consumers — particularly young and first-time investors — with a mobile-first app on iOS and Android. The product stack combines a flexible, daily-interest savings account called Tài khoản sinh lời (Profit Account); securities trading via Finavi, which is built and licensed by JB Vietnam Securities (JBSV); fund certificates distributed from Vietnamese asset managers including Dragon Capital, Vina Capital, VNDirect, VietCapital, and Mirae Asset; insurance products from PVI; and an AI advisory layer branded Infina AI. Distribution is hybrid: a self-serve PLG app, plus white-label embeddings in TPBank, ZaloPay (mini-app), and AppotaPay, with secondary presence on the Tiki marketplace. Pricing is intentionally promotional — 10%/year for new-user registration savings, 6–10.5%/year depending on term, 9.7%/year margin interest with nine interest-free days, and lifetime commission-free trading on Finavi for 2024 cohorts — and back-end deposits and withdrawals are bank-linked through Techcombank and Vietcombank.
The company monetizes through three streams: an interest spread between yields paid to Infina users and returns generated at partner financial institutions; transaction-based securities revenue from brokerage and margin lending via Finavi/JBSV; and B2B licensing/servicing fees from embedding Tài khoản sinh lời inside TPBank, ZaloPay, and AppotaPay. The company is private, has 51–100 employees, is headquartered at 30 Nguyễn Thị Diệu, Phường Xuân Hoà, Ho Chi Minh City, Vietnam, and reports more than 4 million users across all distribution surfaces and 500,000+ monthly actives as of March 2024. Capitalization includes a US$6 million seed round led by Sequoia Capital India's Surge and Y Combinator in February 2022, prior backing from 1982 Ventures, Saison Capital, Venturra, AppWorks, 500 Global, Febe Ventures, and Nextrans, and a March 2024 minority strategic investment from JB Financial Group tied to securities diversification and planned expansion to Cambodia. Founded and led by CEO James Vuong, Infina positions itself as Vietnam's Robinhood-style retail investing app.
Infina firmographics
Firmographics- Name
- Infina
- Legal name
- Công Ty Cổ Phần Real Stake Fintech
- Website
- https://infina.vn
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Infina is a Singapore-incorporated, Vietnam-operating mobile retail investment platform offering savings, securities trading (Finavi), mutual funds, and insurance to individual Vietnamese investors, distributed through its own app and TPBank, ZaloPay, and AppotaPay white-label partnerships.
- Ownership category
- akta.pro rank
Infina industry classification
Industry- Product category
- Retail Investment Platform
- NAICS
- Portfolio Management and Investment Advice (523940), Open-End Investment Funds (525910)
- SIC
- Investment Advice (6282)
- akta.pro primary industry
- Execution-Only / Self-Directed Investing Platforms (FSAAAAAI)
- akta.pro secondary industries
- Retirement Planning & Long-Term Financial Planning Tools (FSAGADAI), Data, Analytics & AI for Insurance (Risk, Pricing, Personalization) (FSAGAGAE)
Keywords
Where Infina is headquartered
LocationHeadquarters
- HQ city
- Singapore
- HQ country
- Singapore
- HQ region
- Asia
Offices1 record
Markets served
Infina business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations
Revenue model
- Interest Spread on Savings Products: Infina likely earns revenue through the spread between returns paid to users on Tài khoản sinh lời and returns generated from partner financial institutions.
- Securities Trading Fees: Revenue from securities brokerage via Finavi platform, including margin lending interest (9.7%/year promotional rate) and potentially trading commissions.
- B2B Partnership Fees: Revenue from embedding Tài khoản sinh lời into partner platforms (TPBank, ZaloPay, AppotaPay) as a white-label savings solution.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Base savings rate for new users |
| Unit Pricing | Annual | Flexible savings (no lock-in) |
| Unit Pricing | Monthly | Term savings 1-6 months |
| Unit Pricing | Monthly | Term savings 1 month |
| Unit Pricing | Monthly | Term savings 3 months |
| Usage-based | Pay-as-you-go | Securities margin trading |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels5 records
Infina product offering
Product offeringCore offering
Infina operates a mobile-first retail investment platform in Vietnam that lets individual users earn daily interest on a flexible savings/investment account (Tài khoản sinh lời), trade stocks through an integrated Finavi securities module, invest in mutual funds/ETFs from partner asset managers, and purchase PVI insurance products. The platform also offers a white-label savings solution embedded in partner platforms such as TPBank, ZaloPay, and AppotaPay, plus an AI-powered personal financial advisor (Infina AI).
Product overview
Infina is a Vietnam-focused retail investing app offering a unified financial platform that combines multiple investment products. The core offering includes Tài khoản sinh lời (Profit Account) for savings with daily profit generation, alongside securities trading through Chứng khoán Finavi, fund certificates (Chứng chỉ quỹ) from major Vietnamese asset managers, and insurance products via PVI. The platform recently added Infina AI as an AI-powered personal financial advisor. Available on Android, iOS, and through third-party platforms including Tiki, ZaloPay, and TPBank.
Differentiator
Problem solved
Functional benefit
Products and services
- Tài khoản sinh lời (Profit Account) Flexible savings and investment account that accrues daily profit with no withdrawal penalty, offered to both individual and business customers at promotional rates up to 10%/year.
- Chứng khoán Finavi (Finavi Securities) Integrated securities trading platform developed with JB Vietnam Securities (JBSV), offering stock trading with analytical tools, 9 days interest-free margin, and lifetime commission-free trading for 2024 account openings.
- Tích lũy (Savings/Accumulation) Term savings product offering flexible no-lock-in and fixed-term packages (1-12 months) with competitive annual interest rates up to 10.5%.
- Chứng chỉ quỹ (Fund Certificates / Mutual Funds & ETFs) Investment in mutual funds and ETFs from partner asset managers including Dragon Capital, Vina Capital, VietCapital, VNDirect, and Mirae Asset, with minimums from 100,000 VND.
- Bảo hiểm PVI (PVI Insurance) Insurance products offered through Infina in partnership with PVI Insurance, including health, vehicle, and life coverage for individual consumers.
- Infina AI AI-powered personal financial advisor available at ai.infina.vn, providing personalized financial guidance and recommendations through a conversational interface in Vietnamese.
- Tài khoản Doanh Nghiệp (Business Account) Dedicated savings and investment account for corporate/business customers with dedicated features and onboarding flow.
Quantifiable outcome
- Daily interest accrual with no withdrawal penalties
- +2 more outcomes
Companies that use Infina
Customer profileNamed customers1 record
Segments3 records
Ideal customer profiles2 records
Infina technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration8 records
AI capability2 records
Feature3 records
Infina partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core and minor.
- TPBankcoreWhite-label distribution of Infina's Tài khoản sinh lời savings product to TPBank's customer base, making Infina's savings solution available through TPBank's banking platform.
- ZaloPaycoreEmbedded Infina's savings product as a mini app within ZaloPay, Vietnam's dominant mobile payment platform, enabling Zalo users to access investment savings directly.
- AppotaPaycoreDistribution partnership for Tài khoản sinh lời through AppotaPay's payment ecosystem.
- TikiminorThird-party app distribution partnership making Infina's investment products accessible through Tiki e-commerce platform.
- JBSV (JB Securities Vietnam)coreJBSV developed the Finavi securities trading platform integrated into Infina. JBSV is a subsidiary of JB Financial Group, providing licensed securities brokerage services for Infina's stock trading features.
- PVI InsuranceminorPVI Insurance products are offered through Infina's platform as part of the company's broader financial services offering.
Scale indicators5 records
Recent moves6 records
Expansion highlights6 records
Infina competitors and assessment
Company assessmentDirect peers
- Finhay: Vietnam's leading retail investing super-app offering savings, mutual funds, and securities to young Vietnamese investors. Directly comparable in target market, product mix (savings + funds), and mobile-first GTM, making it Infina's primary local competitor.
- Pluang: Indonesian retail investing app offering mutual funds, stocks, and crypto with low minimums and a mobile-first experience for first-time investors. Closely mirrors Infina's product breadth, customer persona, and emerging-market fintech playbook.
- Bibit: Indonesia's leading mutual fund robo-investing app for retail investors, emphasizing low minimums, education, and beginner-friendly UX. Strong analogue to Infina's fund distribution and educational content strategy in a fellow ASEAN emerging market.
- Robinhood: The US self-directed retail investing platform Infina is explicitly benchmarked against ("Robinhood of Vietnam"). Same core model—zero/low commissions, mobile-first, beginner-focused—though at vastly different scale and regulatory context.
- Moomoo (Futu): Asia-focused retail brokerage offering stocks, funds, and margin with strong educational content and commission-free promotions. Comparable in retail-securities UX, margin offering, and content-led growth approach.
- Tiger Brokers: Singapore-headquartered online broker serving Asia-Pacific retail investors with multi-market equities and funds. Relevant peer for Infina's regional expansion and securities trading ambition.
Regional players
- Cake by VPBank: Vietnamese digital banking and savings app built on a bank partnership (VPBank), offering high-interest savings and investment products. Comparable as a Vietnam-based bank-powered savings platform; not a securities peer but competes for the same deposit-savings wallet.
- Timo: Vietnamese digital banking platform offering savings, payments, and investment products. Sibling competitor in the Vietnamese fintech space targeting similar mass-affluent and young professional segments.
Broad incumbents
- MoMo: Vietnam's largest e-wallet/super-app with payments, financial services, and investing features. Functions both as a potential distribution partner and as a broad incumbent that could integrate similar savings/investment products at scale.
Others
- ZaloPay: Major Vietnamese payment platform that is simultaneously a white-label distribution partner for Infina's savings product and a potential platform competitor. Include as ecosystem participant given current partner/competitor dual relationship.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks7 records
Key highlights7 records
Customer concentration
Infina social profiles
Digital presenceInfina financial estimates
Financial estimateRevenue estimate
Valuation estimate
Infina leadership team
Management profileNumber of profiles
Profiles1 record
Infina funding detail
Funding detailFunding overview
Funding rounds4 records
Investors18 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Infina 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 Infina
What does Infina do?
Infina operates a mobile-first retail investment platform in Vietnam that lets individual users earn daily interest on a flexible savings/investment account (Tài khoản sinh lời), trade stocks through an integrated Finavi securities module, invest in mutual funds/ETFs from partner asset managers, and purchase PVI insurance products. The platform also offers a white-label savings solution embedded in partner platforms such as TPBank, ZaloPay, and AppotaPay, plus an AI-powered personal financial advisor (Infina AI).
Is Infina a public or private company?
Infina is a private company. It is classified as venture growth investor backed and is currently operating.
When was Infina founded?
Infina was founded in 2020. It employs 51 to 100 people.
Where is Infina based?
Infina is headquartered in Singapore, Singapore, in the Asia region.
How does Infina make money?
Three revenue lines are on record. Interest Spread on Savings Products are the primary driver. The others are securities Trading Fees and B2B Partnership Fees.
Who are Infina's main competitors?
Direct peers on record are Finhay, Pluang, Bibit, Robinhood, Moomoo (Futu) and Tiger Brokers. Regional players are Cake by VPBank and Timo. MoMo is listed as a broad incumbent. ZaloPay is listed as an others.
Does Infina have an API?
No public API is recorded for Infina.
What industry is Infina in?
Infina's product category is Retail Investment Platform. Its primary akta.pro industry code is FSAAAAAI, Execution-Only / Self-Directed Investing Platforms, with a secondary code of FSAGADAI, Retirement Planning & Long-Term Financial Planning Tools. Its NAICS code is 523940 and its SIC code is 6282.