FingerMotion

What FingerMotion does

FingerMotion, Inc. (NASDAQ: FNGR) is a Delaware-incorporated technology company headquartered in Singapore that operates a portfolio of mobile payment, telecommunications, data analytics, and emerging AI infrastructure platforms primarily through a VIE-controlled operating presence in China. Its core revenue engine is the JiuGe mobile payment and recharge platform, which processes consumer bill payments and mobile data/talk-time purchases through wholesale agreements with China Unicom and China Mobile, earning negotiated rebates on processed transactions. The JiuGe platform is complemented by an SMS/MMS messaging business (Beijing XunLian) processing over 150 million messages monthly, the Sapientus big data analytics platform serving insurance and financial services with risk assessment and fraud detection, the RCS Messaging-as-a-Platform for 5G business communications, the C2 command-and-communication platform for public safety, and the DaGe automotive marketplace for vehicle services and EV charging.

The company's business model is primarily transactional, generating revenue through rebate spreads on telecom payments (FY2026 telecom revenue: $23.94M, ~99% of total) and SMS message resale margins, with secondary subscription-style revenue from Sapientus analytics, C2 platform licensing, and cloud-based value-added services. Go-to-market combines B2B telecom operator partnerships, B2C e-commerce storefronts on PinDuoDuo, TMall, and JD.com, direct mobile app sales, and enterprise sales for SMS/MMS and analytics clients. Reinsurance partnerships with Pacific Life Re and Munich Re anchor Sapientus's insurance analytics credibility.

Operationally, FY2026 revenue of $24.13M declined 32% from $35.61M in FY2025, driven entirely by the telecom segment. Gross margin compressed to 2.9% (FY2026 gross profit of $693,845) and net loss widened to $7.0M. Management has announced a strategic pivot toward diversification — most recently acquiring Telforge for U.S. cloud communications entry and signing MOUs with BlueFlare Energy Solutions (Western Canada edge AI compute), Digital Landia (North American AI/blockchain marketplace), and pursuing a Singapore telecom acquisition — signaling a transition away from sole reliance on Chinese telecom rebate economics.

Name

FingerMotion

Legal name

FingerMotion, Inc.

Website

https://fingermotion.com

Company type

Public

Founded year

2014

Operating status

Operating

Headcount range

51–100 employees

Short description

FingerMotion (NASDAQ: FNGR) is a Singapore-headquartered technology company operating the JiuGe mobile payment and recharge platform in China through wholesale agreements with China Unicom and China Mobile, complemented by SMS/MMS, Sapientus insurance analytics, and emerging edge AI compute infrastructure via its BlueFlare partnership in Western Canada.

Ownership category

akta.pro rank

Product category

Mobile payment and telecommunications platform

NAICS

Telecommunications Resellers and Agents for Wireless Telecommunication Services (51712)

SIC

Services-Telephone Interconnect Systems (7385)

akta.pro primary industry

Alternative Payment Methods (APMs) Enablement (BNPL, wallets, local methods) (FSAMACAE)

akta.pro secondary industry

Claims Management & Digital FNOL Platforms (FSAGAGAC)

Keywords

• Mobile payment platform
• Telecommunications services
• Bulk SMS messaging
• Insurance data analytics
• Mobile recharge services

Headquarters

HQ city

Singapore

HQ country

Singapore

HQ region

Asia

Offices5 records

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

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

Revenue model

1. Telecommunications Products & Services: Primary revenue driver providing mobile payment and recharge services through partnerships with China Unicom and China Mobile. Revenue is generated through negotiated rebates from telecom providers for processing consumer payments, reduced by discounts offered to consumers on mobile data and talk time. FY 2026 revenue: $23.94 million representing approximately 99% of total revenue.
2. SMS & MMS Services: Bulk SMS and MMS messaging services through Beijing Technology subsidiary. The company acquires bulk SMS bundles at reduced prices from telecom providers and resells to enterprise customers including premium car manufacturers, hotel chains, airlines, and e-commerce companies.
3. Big Data Insights (Sapientus): Data analytics and risk assessment services for insurance, healthcare, and financial services industries. Includes Insurance Management and Enablement (IME) platform for customer management, product configuration, policy administration, and performance tracking.
4. DaGe Platform: Automotive marketplace and services platform generating revenue from transaction processing, service provider commissions, and EV charging services. Revenue decreased 69% in FY 2026 to $25,037.
5. Command & Communication (C2): Advanced mobile integrated command and communication platform for public safety and emergency response. Revenue generated through enterprise sales and government contracts. Q3 FY2026 revenue: $31,051.
6. Advanced Technology and Platform Solutions: Cloud-based services providing corporate customers with secure data storage, processing capabilities, and databases accessible via internet. FY 2026 revenue: $141,886.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels5 records

Core offering

FingerMotion operates a mobile payment and recharge platform that processes consumer telecom payments for China Unicom and China Mobile, earning negotiated rebates. It also provides bulk SMS/MMS messaging services, the Sapientus big data analytics platform for insurance and financial services, an RCS business messaging platform on 5G, and the C2 command-and-communication platform for public safety. Additional offerings include the DaGe automotive marketplace, IME insurance enablement tools, and emerging edge AI inference compute facilities.

Product overview

FingerMotion operates a multi-product technology platform centered on mobile payment and recharge services in China, with an expanding portfolio that includes telecommunications products, data analytics, and AI-powered solutions. The core offerings consist of the JiuGe Platform for mobile payments, SMS/MMS messaging services, the Sapientus big data and AI analytics platform, the RCS messaging platform for 5G, and the C2 command and communication platform. The company also operates the DaGe automotive marketplace and Procurement Platform, along with value-added products like device protection and cloud services. Recent strategic initiatives include edge AI inference computing facilities and AI/blockchain marketplace development. The product architecture follows a platform-plus-modules approach where core telecommunications services support additional value-added offerings including data analytics, insurance technology, and automotive services.

Differentiator

Problem solved

Functional benefit

Brands

• Sapientus: Proprietary big data insights platform delivering data-driven solutions for insurance, healthcare, and financial services industries.
• DaGe Platform
• C2 Platform
• JiuGe

Quantifiable outcome

• 150+ million SMS text messages processed per month through SMS integrated platform
• +2 more outcomes

Named customers7 records

Segments5 records

Ideal customer profiles6 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability9 records

Feature6 records

Partnerships

Nine partnerships are on record, tiered core and minor.

• BlueFlare Energy Solutions Inc.coreStrategic or Co-development Partner · 9 June 2026Non-binding MOU signed June 9, 2026 for joint development of distributed network of micro-scale edge AI inference compute sites across Western Canada. BlueFlare serves as exclusive partner in Alberta, British Columbia, and Saskatchewan. First project PR1 planned in Alberta with 1.0 MW bitcoin mining infrastructure and 500 kW planned AI inference center. BlueFlare provides behind-the-meter natural gas power at $0.03/kWh under three-year host-operated services agreement.
• NixxyminorImplementation/ SI/ Consulting Partner · 19 March 2026Twelve-month infrastructure services agreement with Telforge subsidiary to manage up to $60 million of telecommunications traffic. Nixxy provides backend operational support including wholesale voice performance, switch and routing management, wholesale rate negotiations, settlement reconciliation, and third-party invoice validation for fixed monthly service fee. Expected incremental operational benefit of approximately $20K per month.
• Telforge, Inc.coreStrategic or Co-development Partner · 18 March 2026Nevada-based cloud communications provider acquisition through share exchange agreement. Up to 7,333,333 shares of FingerMotion common stock with milestone-based earnout conditions. Deal enables management of tens of millions of telecom minutes per month and expands service portfolio and geographic reach in U.S. market. Milestone targets: $2.5 million cumulative revenue in first period and $5 million in second period.
• Digital Landia Ltd.minorStrategic or Co-development Partner · 17 February 2026Non-binding MOU to explore developing minimum viable product and B2C marketplace initiative for North American market, leveraging DL's AI and blockchain-based protocol framework with FingerMotion's existing mobility data infrastructure. MOU subject to due diligence with potential negotiations within approximately sixty days.
• Munich ReminorStrategic or Co-development Partner · 1 December 2021Collaborative research alliance formed December 2021 with JiuGe Technology to extend behavioral analytics for understanding morbidity and behavioral patterns in Chinese market, creating value for insurers and end insurance consumers through better technology, product offerings, and customer experience.
• Pacific Life ReminorStrategic or Co-development Partner · 25 January 2021Services agreement signed January 2021 with global life reinsurer serving insurance industry with comprehensive suite of products and services for data analytics and risk assessment solutions.
• PT Mach Wireless Teknologi (Indonesia)minorStrategic or Co-development Partner · 1 January 2021Agreement to explore introduction of AI-powered insurance risk rating platform in Indonesian market as part of regional expansion initiatives for Sapientus.
• China UnicomcoreStrategic or Co-development Partner · 1 January 2018Long-term partnership since 2018 for mobile payment and recharge services distribution. JiuGe Technology secured contracts with China Unicom to distribute mobile data for businesses and corporations in multiple provinces. Company designated as China Mobile's loyalty redemption partner. Includes Yunnan Unicom Electronic Sales Platform Cooperation Agreement for constructing and operating China's electronic sales platform.
• China MobilecoreStrategic or Co-development Partner · 1 January 2018Long-term partnership since 2018 for mobile payment and recharge services. Volume-based agreement signed in May 2021 with China Mobile Fujian for recharge services in Fujian province. Company designated as China Mobile's loyalty redemption partner allowing provision of services for their customers via platform.

Scale indicators9 records

Recent moves10 records

Expansion highlights6 records

Emerging players

• MessageBird (Bird): MessageBird (now Bird) is an omnichannel communications platform providing SMS, WhatsApp, and other messaging APIs — comparable to FingerMotion's SMS/MMS and RCS business but with broader channel coverage and global customer footprint.

Broad incumbents

• Twilio: Twilio is the largest cloud communications platform globally, providing SMS, MMS, and messaging APIs at massive scale — overlapping with FingerMotion's Beijing XunLian SMS platform (150M+ messages/month). Twilio's Segment and Engage platforms also represent a much larger version of FingerMotion's customer communication ambitions.
• Verisk Analytics: Verisk is a major data analytics and risk assessment provider for the global insurance industry — comparable to FingerMotion's Sapientus insurtech platform but operating at much larger scale with established insurance carrier customers worldwide.
• Vonage (Ericsson): Vonage, now part of Ericsson, provides cloud communications, messaging APIs, and unified communications — closely aligned with FingerMotion's SMS/MMS services and the recently acquired Telforge cloud voice and messaging capabilities.
• Sinch: Sinch provides cloud communications and customer engagement APIs including SMS, voice, and RCS — directly comparable to FingerMotion's SMS/MMS and RCS Platform (MaaP) offerings, but at much larger global scale with established enterprise customer base.

Direct peers

• ZhongAn Online P&C Insurance: ZhongAn is a leading Chinese insurtech that pioneered digital insurance distribution and data-driven underwriting, directly comparable to FingerMotion's Sapientus platform serving insurance customers with risk assessment and behavioral analytics in China.
• Recharge.com: Recharge.com provides mobile top-up, gift cards, and prepaid services across multiple countries, directly overlapping with FingerMotion's mobile recharge offering and B2C e-commerce distribution model.
• Ding: Ding is an international mobile top-up platform enabling consumers to send prepaid mobile credit across 150+ countries — same core mobile recharge business as FingerMotion's JiuGe platform, with similar carrier-rebate revenue model.
• DT One (formerly TransferTo): DT One operates a global mobile recharge and airtime transfer platform serving 160+ countries, directly comparable to FingerMotion's JiuGe mobile payment and recharge platform serving China Unicom/China Mobile customers. Both earn revenue from telecom rebate economics.

Regional players

• Lyca Mobile: Lyca Mobile is a global mobile virtual network operator (MVNO) reselling wireless telecom services across 20+ countries — comparable to FingerMotion's role as a wholesale reseller of China Unicom and China Mobile services, but serving different geographies.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks7 records

Key highlights6 records

Customer concentration

• Xx.com/FingerMotionInc
• Facebookfacebook.com/FingerMotionInc
• LinkedInlinkedin.com/company/fingermotion-inc

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Subsidiaries13 records

Funding overview

Funding rounds9 records

Investors

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

M&A1 record

Investments

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

Frequently asked questions about FingerMotion