FinFan

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.

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

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

• Cross-border payments
• Banking as a service
• Payment infrastructure
• API payment gateway
• Money remittance services

Headquarters

HQ city

Ho Chi Minh City

HQ country

Vietnam

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Cross-border Payment Transaction Fees: Transaction fees charged on cross-border remittances, payments, and settlements processed through the platform across 150+ countries
2. BaaS Infrastructure Services: Banking as a Service platform fees providing licensed payment infrastructure, APIs, and compliance-ready templates to financial institutions
3. 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

Core 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

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration16 records

Feature8 records

Partnerships

Four partnerships are on record, tiered core and flagship.

• ThunescoreStrategic or Co-development Partner · 1 December 2025Thunes 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.
• NeutroncoreTechnology or Integration · 1 December 2025Neutron, 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 OneflagshipStrategic or Co-development Partner · 17 November 2025FinFan 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.
• VEEMcoreStrategic or Co-development Partner · 16 November 2025FinFan 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

Direct 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

• Xx.com/finfanio
• Facebookfacebook.com/finfanio
• LinkedInlinkedin.com/company/finfanio

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds1 record

Investors1 record

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 FinFan