FinFan
FinFan is a Vietnam-licensed B2B fintech providing API-driven cross-border payment infrastructure to banks, e-wallets, and enterprises. Its unified gateway connects hundreds of partners across 150+ countries under Central Bank of Vietnam License No.973.
- Company typePrivate
- Founded2007
- HeadquartersHo Chi Minh City, Vietnam
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What FinFan does
FinFan is a Vietnam-based B2B fintech operating as the commercial brand of Best Way Corp, headquartered in Ho Chi Minh City. The company provides cross-border payment infrastructure to financial institutions, banks, e-wallets, and Vietnamese enterprises, delivering its service as a unified API-driven gateway branded "Money X-Border." The platform aggregates banks (e.g., Vietinbank, Sacombank, OCB), domestic e-wallets and processors (VNPay, ZaloPay, VietnamPost), and international partners (Thunes, TerraPay, Veem, DT One, PaySend, BloomX, FomoPay, Wing Bank) into a single integration, supporting cross-border payments, remittances, global collection, card processing, payroll, treasury, mobile money, e-wallet aggregation, marketplace payments, and tokenization. FinFan holds Central Bank of Vietnam License No.973 for Foreign Currencies Acceptance and Payment, which underwrites its position as a regulated aggregator and switching network with claimed settlement reach across 150+ countries; the platform also incorporates Bitcoin Lightning Network infrastructure via a Neutron partnership for compliant, instant settlement.
The company was founded in 2007 and operates with 11–50 employees. Its revenue model is built on cross-border transaction fees, BaaS infrastructure service fees, and recurring API access and integration fees, with pricing negotiated on a quote basis rather than published publicly. Distribution is API-first and enterprise-direct, supplemented by strategic channel partnerships (Thunes, Neutron, Veem, DT One) that extend global reach. Recent activity (mid-November 2025 through late-January 2026) is dominated by partnership-driven ecosystem buildout, including Lightning Network distribution, stablecoin and blockchain exploration within the Danang International Financial Center sandbox with 9Pay, and remittance corridor expansion through Thunes and Veem. No external investors beyond an early Nextrans participation are disclosed, and no revenue, ARR, or GMV figures are publicly reported.
FinFan firmographics
Firmographics- Name
- FinFan
- Legal name
- Best Way Corp
- Website
- https://finfan.io
- Company type
- Private
- Founded year
- 2007
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- FinFan is a Vietnam-licensed B2B fintech providing API-driven cross-border payment infrastructure to banks, e-wallets, and enterprises. Its unified gateway connects hundreds of partners across 150+ countries under Central Bank of Vietnam License No.973.
- Ownership category
- akta.pro rank
FinFan industry classification
Industry- Product category
- Cross-Border Payment Infrastructure
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Cross-Border FX, Multi-Currency & Treasury for Payments (FSAGABAK)
- akta.pro secondary industries
- Cross-Border & FX Payments Platforms (BPAMAFAK), SME & Business Cross-Border Payments (FSAGAKAB), Alternative Payment Methods (APM) Enablement (Wallets, A2A, Local Rails) (FSAGABAJ), Cross-Border Settlement, Reconciliation & Disputes (FSAGAKAN)
Keywords
Where FinFan is headquartered
LocationHeadquarters
- HQ city
- Ho Chi Minh City
- HQ country
- Vietnam
- HQ region
- Asia
Offices1 record
Markets served
FinFan business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales
Revenue model
- Cross-border Payment Transaction Fees: Transaction fees charged on cross-border remittances, payments, and settlements processed through the platform across 150+ countries
- BaaS Infrastructure Services: Banking as a Service platform fees providing licensed payment infrastructure, APIs, and compliance-ready templates to financial institutions
- API Integration and Access Fees: Fees for API access and integration services enabling banks, e-wallets, and merchants to connect to FinFan's settlement network
Go-to-market motion2 records
Distribution channels3 records
Marketing channels7 records
FinFan product offering
Product offeringCore offering
FinFan operates an API-driven unified gateway platform branded "Money X-Border" that aggregates banks, e-wallets, cards, and hundreds of international partners to enable cross-border collection and disbursement for financial institutions and enterprise clients across 150+ countries. The company is licensed by the Central Bank of Vietnam (No.973) and provides Banking-as-a-Service infrastructure alongside cards, payments, remittances, global collection, and Lightning Network-based real-time settlement capabilities.
Product overview
FinFan operates as a unified API-driven gateway platform for cross-border money movement, branded as 'Money X-Border.' The platform provides a comprehensive suite of financial services including BaaS (Banking as a Service), Cards, Payments, Remittances, and Global Collection, all accessible through a single API integration. FinFan acts as an aggregator switching network connecting to banks, e-wallets, cards, and international partners, enabling businesses to access 150+ countries settlement network. The platform offers modular capabilities including UnifiedPay Roll, Treasury, Mobile Money, E-Wallet, Marketplaces, and Tokenization, along with Lightning Network infrastructure for instant transactions. The company is a commercial brand of Best Way Corp and is authorised by the Central Bank of Vietnam (License No.973 for Foreign Currencies Acceptance and Payment).
Differentiator
Problem solved
Functional benefit
Products and services
- BaaS (Banking as a Service) Banking-as-a-Service platform enabling financial institutions and businesses to access licensed payment infrastructure, card services, remittance capabilities, and global collection functions through a unified API.
- Cards Card-based payment services including issuance and processing integrated into FinFan's unified cross-border money movement platform.
- Payments Cross-border payment processing and settlement services enabling money movement across 150+ countries through a single API integration.
- Remittances International remittance services providing faster, more transparent digital transactions for cross-border money transfers.
- Global Collection Global collection services enabling businesses to receive payments from over 100 countries, supporting international commerce flows.
- Lightning Network Infrastructure Bitcoin Lightning Network infrastructure enabling instant, low-cost, compliant real-time transactions for cross-border payouts and digital income flows in Vietnam.
Quantifiable outcome
- Cross-border settlement across 130+ countries through Thunes partnership
- +3 more outcomes
Companies that use FinFan
Customer profileSegments3 records
Ideal customer profiles3 records
FinFan technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration16 records
Feature8 records
FinFan partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core and flagship.
- ThunescoreThunes partnered with FinFan to improve cross-border remittances in Vietnam, addressing high fees and processing delays. The collaboration leverages FinFan's ecosystem and Thunes' global network to enhance digital payouts, reduce costs, and increase financial connectivity in Asia. The partnership enables cross-border settlement across 130 countries.
- NeutroncoreNeutron, a global Lightning Network infrastructure provider, partnered with FinFan to expand lightning network-based money movement capabilities in Vietnam. The partnership aims to provide institutions with immediate or near-real-time settlement, reduce per-transaction fees, and improve liquidity management through compliance-ready integration templates aligned with Vietnamese regulations.
- DT OneflagshipFinFan and DT One, a Singapore-based digital value exchange, announced a strategic partnership to enhance Vietnam's digital services ecosystem. The collaboration focuses on product distribution, cross-border API development, and fintech expansion to enable seamless local and global digital transactions.
- VEEMcoreFinFan and VEEM, a US-based payments platform, partnered to expand international payment infrastructure for Vietnamese businesses. The collaboration enables Vietnamese companies to receive payments from over 100 countries and supports global commerce, especially between Asia and North America.
Scale indicators5 records
Recent moves6 records
Expansion highlights5 records
FinFan competitors and assessment
Company assessmentDirect peers
- Nium: Nium is a global real-time cross-border payments API platform serving banks, fintechs, and enterprises. It is comparable to FinFan as an API-first BaaS/cross-border infrastructure provider targeting similar institutional clients.
- TerraPay: TerraPay operates a global cross-border payments network enabling real-time payouts to bank accounts, mobile wallets, and cards. It is both a listed integration partner of FinFan and a direct competitor in the cross-border aggregator space.
- DT One: DT One is a Singapore-based digital value exchange enabling cross-border mobile top-ups, gift cards, and payments. It is a flagship FinFan partner and a directly comparable B2B cross-border micro-payments platform serving similar emerging-market customers.
- Thunes: Thunes is a global cross-border payments network connecting 130+ countries. It is both a direct competitor to FinFan and one of FinFan's flagship strategic partners for extending settlement reach into Vietnam — comparable in network-based B2B cross-border orchestration.
- PaySend: PaySend is a UK-based cross-border payments network enabling card-to-card transfers and payouts to 170+ countries. It is both a listed FinFan partner and a direct competitor in the global cross-border remittance/payouts segment.
- Veem: Veem is a US-based B2B cross-border payments platform enabling businesses to send and receive international payments. It is directly comparable to FinFan as a strategic partner serving Vietnamese businesses and competes in the same B2B cross-border payments segment.
Regional players
- VNPay: VNPay is a dominant Vietnamese payments platform connecting banks, merchants, and consumers. As an integrated partner in FinFan's network, VNPay is a directly comparable Vietnam-anchored payments platform serving both local and cross-border use cases.
- MoMo: MoMo is Vietnam's largest e-wallet and is integrated into FinFan's settlement network. It is comparable as a leading Vietnam-based digital payments platform and a natural client/partner counterpart in the local market.
Broad incumbents
- dLocal: dLocal is a public cross-border payments platform focused on emerging markets, enabling global merchants to collect and pay out in 40+ emerging countries. It is comparable to FinFan as a regional aggregator serving emerging-market cross-border flows.
- Wise (TransferWise): Wise is a scaled global cross-border payments platform offering multi-currency accounts and low-fee international transfers. While primarily retail/SMB-led, its infrastructure breadth and brand make it a broad incumbent competing for the same cross-border flows FinFan serves.
Market position
Strengths1 record
Weaknesses1 record
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
FinFan social profiles
Digital presenceFinFan compliance and trust
Trust signalCompliance1 record
FinFan financial estimates
Financial estimateRevenue estimate
Valuation estimate
FinFan leadership team
Management profileNumber of profiles
Profiles3 records
FinFan funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
FinFan 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 FinFan
What does FinFan do?
FinFan operates an API-driven unified gateway platform branded "Money X-Border" that aggregates banks, e-wallets, cards, and hundreds of international partners to enable cross-border collection and disbursement for financial institutions and enterprise clients across 150+ countries. The company is licensed by the Central Bank of Vietnam (No.973) and provides Banking-as-a-Service infrastructure alongside cards, payments, remittances, global collection, and Lightning Network-based real-time settlement capabilities.
Is FinFan a public or private company?
FinFan is a private company. It is classified as corporate owned and is currently operating.
When was FinFan founded?
FinFan was founded in 2007. It employs 11 to 50 people.
Where is FinFan based?
FinFan is headquartered in Ho Chi Minh City, Vietnam, in the Asia region.
How does FinFan make money?
Three revenue lines are on record. Cross-border Payment Transaction Fees are the primary driver. The others are baaS Infrastructure Services and API Integration and Access Fees.
Who are FinFan's main competitors?
Direct peers on record are Nium, TerraPay, DT One, Thunes, PaySend and Veem. Regional players are VNPay and MoMo. Broad incumbents are dLocal and Wise (TransferWise).
Does FinFan have an API?
Yes. FinFan offers an API-driven platform that provides a single API for all money x-border operations. The platform enables aggregation to all banks, e-wallets, cards, and integration with hundreds of international partners for collection and disbursement. Developers can access the platform to enable cross-border payments, remittances, and global collection services.
What industry is FinFan in?
FinFan's product category is Cross-Border Payment Infrastructure. Its primary akta.pro industry code is FSAGABAK, Cross-Border FX, Multi-Currency & Treasury for Payments, with a secondary code of BPAMAFAK, Cross-Border & FX Payments Platforms. Its NAICS code is 522320 and its SIC code is 6199.