Maya

What Maya does

Maya is a Philippine fintech super-app operating two BSP-regulated entities: Maya Philippines, Inc. (e-wallet and payment services, including VASP-licensed crypto trading) and Maya Bank, Inc. (digital banking services including savings, loans, and credit cards). The company, founded in 2013 and rebranded from PayMaya in 2022, serves primarily Filipino consumers, unbanked and underbanked individuals, merchants, and credit seekers through a single mobile application distributed via iOS, Android, and Huawei AppGallery. The platform integrates peer-to-peer transfers via QR code or @username, bill payments, mobile load, savings up to 15% p.a., credit lines up to PHP 30,000, no-annual-fee credit cards (Maya Black and Landers Cashback Everywhere), crypto trading, stocks, funds, insurance, and travel, with a co-branded Landers credit card anchoring retail spend.

Maya generates revenue through multiple streams: transaction fees (cash-in fees, PHP 200 fixed debit/credit cash-in, 1.75% FX fee, ATM withdrawal fees), credit card interchange and card-related services, interest income from savings and lending products, and crypto trading fees under its VASP registration. Distribution is a hybrid model combining self-serve mobile app acquisition with an extensive physical cash-in network of more than 40 partner merchants including 7-Eleven, Alfamart, SM, Robinsons, Landers, BDO, Cebuana, Palawan Express, and Smart Communications (telco integration via *788). Maya Business provides merchant acquiring and Maya Center operates an accredited agent network for remittance and cash-in services.

The company self-reports as the #1 Digital Bank App in monthly active users in the Philippines and was recognized in Forbes World's Best Banks 2024. In early 2026, media reports indicated Maya is exploring a U.S. IPO that could raise up to $1 billion. In March 2026, Maya partnered with Lydian to integrate stablecoin payments at retail merchants with same-day peso settlement. Maya is described as profitable in regional digital banking coverage, contrasting with Singapore-headquartered digital bank peers that posted losses.

Name

Maya

Legal name

Maya Philippines, Inc.

Website

https://maya.ph

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Maya is a Philippine fintech super-app, operated by Maya Philippines, Inc. and Maya Bank, Inc., offering e-wallet, digital banking, credit cards, crypto trading, and lending to Filipino consumers and merchants via a single BSP-regulated mobile application.

Ownership category

akta.pro rank

Product category

Digital Banking

NAICS

Commercial Banking (522110), Credit Card Issuing (522210), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Security & Commodity Brokers, Dealers, Exchanges & Services (6200), Personal Credit Institutions (6141)

akta.pro primary industry

Crypto Payments & Stablecoin Settlement Platforms (BPAMAFAL)

akta.pro secondary industry

POS, QR & In-Person Acceptance Infrastructure (Crypto) (FSADAIAI)

Keywords

• Digital banking services
• Mobile payments platform
• Cryptocurrency trading
• E-wallet services
• Merchant payment processing

Headquarters

HQ city

Manila

HQ country

Philippines

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

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

Revenue model

1. Transaction Fees: Fees charged on various transaction types including cash-ins via convenience stores (2% after P8,000 monthly threshold), debit/credit card cash-ins (PHP 200 fixed), ATM withdrawals, and international card transactions (1.75% FX fee).
2. Crypto Trading: Revenue generated from cryptocurrency trading activities on the platform through VASP-licensed operations.
3. Credit Card Operations: Revenue from Maya Black and Landers Cashback Everywhere credit cards including interchange fees and card-related services.
4. Savings and Lending: Interest income from savings accounts (up to 15% p.a. promoted) and credit lending products (up to PHP 30,000 credit line).

Pricing tiers

Go-to-market motion1 record

Distribution channels8 records

Marketing channels7 records

Core offering

Maya is a Philippine fintech super-app that combines an e-wallet, a BSP-regulated digital bank, and a VASP-licensed cryptocurrency platform in a single mobile application. It offers peer-to-peer money transfers, bills payment, mobile load, QR payments, savings accounts (up to 15% p.a.), credit cards (Maya Black and Landers Cashback Everywhere), instant credit lines up to PHP 30,000, crypto trading, funds, stocks, and insurance, supplemented by merchant acquiring (Maya Business) and an agent remittance network (Maya Center).

Product overview

Maya operates as a comprehensive fintech super-app combining an e-wallet (Maya) with full digital banking services (Maya Bank). The core Maya e-wallet serves as the primary mobile application for peer-to-peer transfers, bills payment, mobile load, QR payments, and cryptocurrency transactions. Maya Bank extends this with regulated banking services including savings accounts (Maya Savings with up to 15% p.a.), loans (Maya Credit up to Php 30,000), and credit cards (Maya Black for travel miles, Landers Cashback Everywhere for retail rewards). Supporting products include Maya Business for merchant solutions, Maya Center for remittance services, Maya Card for physical card payments, and specialized investment features (Maya Funds, Maya Stocks, Maya Crypto). The ecosystem also includes insurance and travel services, creating a unified platform where users can transfer, save, borrow, invest, and spend through a single application.

Differentiator

Problem solved

Functional benefit

Products and services

• Maya E-Wallet Mobile-first e-wallet application serving Filipino consumers with peer-to-peer money transfers via QR code or @username, bills payment, mobile load, gaming pins, and QR payments at merchant points of sale.
• Maya Bank (Digital Banking) BSP-regulated digital banking services for Filipino consumers, including savings accounts, personal loans, and credit products.
• Maya Business

Quantifiable outcome

• Savings interest rate up to 15% p.a.
• +3 more outcomes

Named customers12 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability2 records

Feature3 records

Partnerships

Three partnerships are on record, tiered core.

• LydiancoreTechnology or Integration · 24 March 2026Maya partnered with Lydian to integrate cryptocurrency and digital asset payments into everyday retail transactions across the Philippines. The partnership enables businesses using Maya to accept stablecoin payments through QR codes or digital links, with same-day settlement in Philippine pesos, eliminating volatility and custody risks for merchants.
• LanderscoreStrategic or Co-development PartnerCo-branded Landers Cashback Everywhere Credit Card offering 10% cashback on Landers Superstore purchases, PHP 200 joining bonus for members, 0% interest Mini Payments for grocery haul, and exclusive 500 cashback points welcome reward.
• Bangko Sentral ng Pilipinas (BSP)coreOthersMaya Philippines, Inc. and Maya Bank, Inc. are regulated by BSP. Maya holds digital banking license and VASP (Virtual Asset Service Provider) registration, enabling legal operation of banking and crypto services.

Scale indicators4 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• GCash: GCash is the Philippines' leading e-wallet and digital financial services platform, operated by Mynt (backed by Globe Telecom and Ant Group). It is Maya's primary direct competitor, offering an overlapping super-app of payments, savings, credit (GCredit), and investments to the same Filipino consumer base.
• SeaMoney / ShopeePay (Sea Limited): SeaMoney is the fintech arm of Sea Limited, operating ShopeePay and SeaBank (Indonesia). It is a comparable super-app model combining e-wallet, consumer lending, and digital banking across Southeast Asia, with similar revenue mechanics (transaction fees, lending, and banking spreads).

Regional players

• Grab Holdings (Grab Financial): Grab operates GrabPay, GrabFin, and lending products across Southeast Asia. While primarily a ride-hailing/delivery super-app, its financial services arm directly competes with Maya in payments, credit, and merchant acquiring across the region.
• GoPay (GoTo): GoPay is the leading Indonesian e-wallet within the GoTo ecosystem (Gojek + Tokopedia), offering payments, lending, and investments. It is a comparable Southeast Asian super-app fintech serving a similar underbanked consumer base, though geographically focused on Indonesia.
• OVO: OVO is a major Indonesian e-wallet and digital payments platform with merchant acquiring and consumer financial services. Comparable to Maya as a regional digital payments super-app with credit and investment adjacencies, but focused on the Indonesian market.
• DANA Indonesia: DANA is an Indonesian e-wallet offering payments, investments, and credit. Comparable to Maya as a Southeast Asian fintech e-wallet with similar consumer profiles and a regulatory-licensed payments business model, though it lacks a comparable digital banking license.
• Toss Bank (Viva Republica): Toss is a Korean super-app fintech offering payments, banking, lending, brokerage, and insurance. It is a comparable Asia fintech super-app that combines regulated banking with consumer finance, though serving the Korean rather than Southeast Asian market.
• Kakao Pay: Kakao Pay is a Korean mobile payments and financial services platform integrated with the KakaoTalk super-app. Comparable to Maya as an Asian messaging-anchored fintech super-app combining payments, lending, and investments, though operating in the more mature Korean market.

Emerging players

• Tonik Digital Bank: Tonik is a Philippine-licensed digital bank offering deposits, loans, and payments. Comparable to Maya as a Philippines-focused digital bank competitor targeting the same underbanked segment with similar deposit and credit products.

Broad incumbents

• UnionBank of the Philippines: UnionBank is one of the Philippines' leading universal banks with aggressive digital banking investments. It is a broad incumbent that competes with Maya in deposits, credit cards, and payments, though its scope extends to corporate and SME banking well beyond Maya's super-app focus.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/mayaofficialph
• Facebookfacebook.com/mayaiseverything
• LinkedInlinkedin.com/company/mayaph

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

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 Maya