What Dime does

Dime (legally บริษัท หลักทรัพย์ เคเคพี ไดม์ จำกัด / KKP Dime Securities Company Limited) is a Thailand-only, mobile-first financial super-app operated as a securities company within the Kiatnakin Phatra Financial Group (KKP). Founded in 2021 and publicly launched in 2022, the platform unifies saving, investing, spending, and insurance inside a single iOS/Android login: Dime! Save THB deposits (up to 3% p.a., DPA-protected), Dime! FCD multi-currency savings across 9 currencies (up to 4.5% p.a. on USD), US/Thai stock trading (fractional US shares from 50 THB), US options, mutual fund distribution across 20 asset managers (1,700+ funds), digital gold (MTS/YLG), corporate bonds, and Thai IPO subscription. Spending and protection are layered through the Dime! Nern Mastercard (150+ currency acceptance, no 2.5% FX margin) and Dime Jai travel insurance underwritten by MSIG. All money movement, FX, and settlement route through KKP Bank and KKP Securities infrastructure under Thai SEC broker-dealer license 0000033458, with US securities additionally protected by SIPC + Excess SIPC up to $150M per investor.

The product is anchored on frictionless onboarding (5-minute digital KYC), low minimums (1 THB for funds, 50 THB for US stocks), and a freemium core with recurring monetization via Dime! Fan (39 THB/month or 390 THB/year subscription), Dime! Club loyalty tiers, debit card annual fees, FX margins on FCD, mutual fund distribution economics, and transaction commissions on Thai/US stocks and options. Distribution is mobile-app-store self-serve, supplemented by KKP branch support and a heavy social-content marketing posture across Facebook, LINE, Instagram, TikTok, X, and Blockdit. As of May 2026, Dime claims 4M+ users and the #1 Thai App Store ranking in finance. Revenue is undisclosed; the company is privately held by KKP with no third-party funding rounds reported.

The target customer is the mass-market Thai retail consumer — beginners through intermediate self-directed investors — plus use-case segments for active options traders, frequent travelers, and digital nomads. Customer pains addressed are high investment minimums, fragmented financial products across banks and brokers, limited access to global markets, and unfamiliar UX in legacy Thai brokerage interfaces.

Name

Dime

Legal name

บริษัท หลักทรัพย์ เคเคพี ไดม์ จำกัด

Website

https://dime.co.th

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

1–10 employees

Short description

Dime is a mobile-first Thai financial super-app under KKP Financial Group that unifies savings, US/Thai securities trading, mutual funds, gold, multi-currency deposits, debit card, and travel insurance for 4M+ mass-market Thai retail consumers.

Ownership category

akta.pro rank

Headquarters

HQ city

Bangkok

HQ country

Thailand

HQ region

Asia

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. US Stock Trading Commissions: Commission fees on US stock trades: 0 USD for first trade per month (free trade day), then 0.01 USD/share for stocks under 6.67 USD or 0.15% of trade value for stocks at 6.67 USD and above. Additional regulatory fees (SEC, FINRA, CAT) apply. Dime! Fan subscribers get reduced rates and up to 5 free trades per month.
2. Thai Stock Trading Commissions: Commission on Thai stock trades: 0 THB for first trade per month, then 0.15% of trade value. Additional fees include 0.005% trading fee, 0.001% clearing fee, and 0.001% regulatory fee.
3. US Options Trading Commissions: Options trading commissions: 0.55 USD per contract, plus OCC fee of 0.0000265 USD per contract and ORF fee of 0.025 USD per contract (capped at 55 USD per trade).
4. Mutual Fund Distribution: Distribution of 1,700+ mutual funds from 20 asset management companies. No additional charge beyond the fund's own fees; Dime earns from distribution agreements with fund managers.
5. Dime! Fan Subscription: Monthly or annual subscription (39 THB/month or 390 THB/year) providing reduced commission rates and up to 5 free trades per month for US stocks, Thai stocks, and options.
6. Travel Insurance Distribution: Travel insurance distribution as an insurance broker (นายหน้าประกันวินาศภัย) for KKP Bank, earning commission on policies sold. Products underwritten by MSIG.
7. Dime! Nern Debit Card: Annual card fee (100 THB after promotional period), ATM withdrawal fees (free 5x/month in Thailand, then 10 THB each; international at 100 THB each after promo), foreign exchange margins on card transactions.
8. Interest Spread on FCD Accounts: Earns interest spread on foreign currency deposit accounts, paying users up to 4.5% p.a. on USD while earning higher rates through KKP bank's treasury operations. Also earns FX margins on currency exchange.
9. Gold Trading: No commission or fees for gold trading (buying/selling gold 99.99% starting at 100 THB or 2.50 USD). Revenue likely derived from spread or partnership arrangements with partner gold shops.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels13 records

Core offering

Dime is a mobile-first financial super-app that integrates savings, investing, spending, and insurance into a single platform for Thai retail consumers. The app enables users to open high-interest THB and multi-currency savings accounts, trade Thai and US stocks (including fractional shares and options), invest in 1,700+ mutual funds, buy digital gold and corporate bonds, manage spending via a global Mastercard debit card, and purchase travel insurance — all operated by KKP Dime Securities under the KKP Financial Group.

Product overview

Dime is a unified mobile-first financial super-app operated by KKP Dime (บริษัทหลักทรัพย์ เคเคพี ไดม์ จำกัด), a securities company within the Kiatnakin Phatra Financial Group (KKP). The platform is architected as a single mobile application (iOS/Android) that integrates five product verticals — Savings (Dime! Save THB savings account and Dime! FCD multi-currency deposit account), Investing (US stocks, Thai stocks, US stock options, mutual funds, digital gold, corporate bonds), Spending (Dime! Nern Global Mastercard debit card), Insurance (Dai Mai Jai travel insurance), and Portfolio Management (Asset Tracker, My Ports, Price Target, Guru Port) — all within one login and one THB account. Key subscription add-ons include Dime! Fan (flexible commission rates) and Dime! Club (loyalty rewards program). The platform targets retail Thai investors with low minimum investments starting from 1–50 THB and is regulated by the Thai SEC (ก.ล.ต.), with deposits protected by the Deposit Protection Agency and US securities covered by SIPC.

Differentiator

Problem solved

Functional benefit

Brands

• Dime! Fan: Premium package offering flexible commission rates for cost-conscious investors, with 39 THB monthly or 390 THB annual subscription.
• Dime! Club
• Dime! Nern (ไดม์เนิน)
• ไดม์ใจ (Dimejai)
• Dime! Save
• Dime! FCD
• Dime! USD
• Dime! Fast

Products and services

• Dime! App
• Dime! Save
• Dime! FCD (Foreign Currency Deposit) Multi-currency savings account supporting 9 currencies (USD, EUR, JPY, GBP, CNY, HKD, SGD, AUD, CHF) with tiered interest rates up to 4.5% per year for USD, no minimum deposit, preferred rate currency exchange alerts, and real-time interest tracking. Foreign currency deposits are not covered by the Deposit Protection Agency.
• US Stocks Fractional US stock trading starting from 50 THB or 1.50 USD per trade, supporting common stocks, ADRs, and ETFs, with free commission on the first trade of each month and SIPC protection up to $500,000 plus Excess SIPC up to $150 million.
• US Stock Options US equity options trading enabling profit in both rising and falling markets, with commissions of 0.55 USD per contract plus additional regulatory fees (OCC, ORF), accessible through the same Dime! USD or FCD account.
• Thai Stocks Thai stock trading on the Stock Exchange of Thailand (SET) starting from 1 share, with 0% commission on the first trade of each month and 0.15% commission thereafter, plus IPO subscription capability for retail investors.
• Thai Stock IPO Booking Digital IPO subscription for Thai stocks through the Dime app, enabling retail investors to subscribe for IPO shares directly, distributed by KKP Securities.
• Mutual Funds Access to over 1,700 mutual funds from 20 asset management companies in Thailand, including bond funds, equity funds, international funds, and tax-deductible funds, with no additional platform fees beyond the fund management company's published charges.
• Digital Gold Digital gold trading (99.99% purity) starting from 100 THB or 2.50 USD, with no trading fees, no storage fees, and no currency exchange fees, tradeable 20 hours daily (07:00–03:00) with real-time pricing, partnered with MTS and YLG gold dealers.
• Corporate Bonds Digital corporate bond subscription enabling retail investors to purchase bonds through the app, with bonds curated and distributed by KKP Securities, offering both scrip (bearer) and scripless (book-entry) bond formats.
• Dime! Nern Global Mastercard Debit Card Global debit Mastercard that links Dime! Save (THB), Dime! USD investment account, and Dime! FCD multi-currency accounts into a single card for worldwide spending in 150+ currencies with no FX risk surcharge of 2.5%, earning up to 4.5% interest on FCD balances, with free digital card issuance for online spending.
• Dai Mai Jai Travel Insurance (ไดม์ใจ) Digital travel insurance underwritten by MSIG, purchasable in 5 minutes with premiums from 140 THB, covering medical expenses up to 5 million THB, trip delays, cancellations, luggage loss, and emergency evacuation, available as single-trip (up to 180 days) or annual multi-trip (120 days per trip) plans.
• Dime! Fan Subscription Premium subscription package priced at 39 THB/month or 390 THB/year providing flexible commission rates (0.15% for trades under 3,000 USD, 0.08 USD/share for trades over 3,000 USD) and up to 5 free trade units per month for Thai and US stocks.

Quantifiable outcome

• Over 4 million users have trusted Dime, making it the #1 financial app in Thailand on the App Store
• +4 more outcomes

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability2 records

Feature15 records

Partnerships

14 partnerships are on record, tiered core, minor and supporting.

• บริษัทหลักทรัพย์ เกียรตินาคินภัทร (KKP Securities / KKPS)coreStrategic or Co-development PartnerKKP Securities provides the trading infrastructure and regulatory licenses for Dime's stock and options trading services. Dime uses KKPS's order routing system for Thai stocks, US stocks, and options. KKPS brings decades of securities expertise, TSD (Thailand Securities Depository) connectivity, and SIPC protection arrangements.
• ธนาคารเกียรตินาคินภัทร (KKP Bank)coreStrategic or Co-development PartnerKKP Bank provides the deposit infrastructure (Dime! Save, Dime! FCD), currency exchange services (Dime! Fast), and issues the Dime! Nern Mastercard debit card. All money movement, FX conversion, and interest payments flow through KKP Bank's systems.
• MSIG (บริษัท เอ็มเอสไอจี ประกันภัย)coreStrategic or Co-development PartnerMSIG is the underwriter for Dime's 'ไดม์ใจ' (Dime Jai) travel insurance product. MSIG is a global P&C insurer with Thai operations, providing the insurance coverage, claims handling, and 24/7 emergency assistance services. KKP Bank acts as the insurance broker distributing the product through Dime.
• สถาบันคุ้มครองเงินฝาก (Deposit Protection Agency, Thailand)minorOthersDime! Save THB deposits are protected by Thailand's Deposit Protection Agency (สถาบันคุ้มครองเงินฝาก), insuring deposits up to the statutory limit. Note: Dime! FCD (foreign currency deposits) are NOT covered by this protection.
• SIPC (Securities Investor Protection Corporation)minorOthersUS stock investments through Dime are protected by SIPC coverage up to 500,000 USD per investor, plus Excess SIPC coverage of up to 150 million USD per investor through Dime's broker partner arrangements, providing institutional-grade protection for retail investors.
• MorningstarsupportingTechnology or IntegrationMorningstar provides the price target (ราคาเป้าหมาย) data and analyst consensus for US stocks on the Dime platform. Morningstar is a globally recognized investment research and data provider.
• บริษัทหลักทรัพย์ เกียรตินาคินภัทร - Research TeamsupportingTechnology or IntegrationKKP Securities' research team provides price target and analyst recommendations for Thai stocks featured in Dime's Price Target tool, offering local market expertise alongside Morningstar's international coverage.
• 20 Thai Asset Management Companies (บลจ.)supportingChannel Partner/ Reseller/ DistributorDime distributes mutual funds from 20 Thai asset management companies: ABERDEEN, ASSETFUND, BBLAM, SCBAM, KASSET, KKPAM, KSAM, KTAM, FPAM, TALISAM, MFC, ONEAM, PAMC, PRINCIPAL, EASTSPRING, LHFUND, TISCOASSET, UOBAM, DAOL, XSpringAM. Dime acts as a digital distribution channel for their 1,700+ fund products.
• Partner Gold Shops (ร้านทองชื่อดับ)supportingTechnology or IntegrationDime partners with well-known gold retailers (brands include MTS and YLG as shown in logos) to offer gold trading (99.99% purity) through the app. These partners provide the physical gold supply, storage, and authenticity assurance while Dime provides the digital trading interface.
• MastercardcoreTechnology or IntegrationMastercard provides the global payment network for the Dime! Nern Global Debit Card, enabling acceptance in over 150 currencies worldwide at any merchant or ATM bearing the Mastercard logo. Dime is a Mastercard issuer through KKP Bank.
• US Stock Exchanges (NYSE, NASDAQ)coreTechnology or IntegrationDime routes orders to US stock exchanges (NYSE, NASDAQ) through its brokerage infrastructure, enabling Thai retail investors to access thousands of US-listed stocks, ETFs, ADRs, and options.
• ตลาดหลักทรัพย์แห่งประเทศไทย (SET - Stock Exchange of Thailand)coreTechnology or IntegrationDime routes Thai stock orders through KKP Securities to the Stock Exchange of Thailand (SET), enabling retail investors to trade all listed Thai stocks, ETFs, and participate in IPOs.
• บริษัท ศูนย์รับฝากหลักทรัพย์ (Thailand) จำกัด (TSD)supportingTechnology or IntegrationTSD (Thailand Securities Depository) handles the custody and settlement of Thai securities purchased through Dime, providing secure international-standard record-keeping for investors' Thai stock holdings.
• FINRA (US Financial Industry Regulatory Authority)minorOthersFINRA regulates Dime's US stock and options trading operations, charging regulatory fees (CAT Fee, TAF) on transactions as required by US law for all broker-dealers operating in US markets.

Scale indicators7 records

Recent moves8 records

Expansion highlights6 records

Broad incumbents

• Robinhood: Pioneer of commission-free, mobile-first retail investing in the US; sets the global template Dime follows on UX, freemium pricing, and product-led growth in the Thai context.
• Wealthsimple: Canadian investing, saving, and spending super-app; comparable in product breadth (investing + cash + tax + spending in one app) and demographic (mass-market self-directed retail investors).
• Revolut: Global multi-currency super-app combining spending, saving, investing, and insurance in a single mobile interface — the international super-app archetype that Dime explicitly mirrors for the Thai market.
• Interactive Brokers: Global multi-asset broker with active retail and professional clients; relevant as the upstream brokerage infrastructure Dime relies on for routing US securities orders and as a competitor for active Thai traders.

Direct peers

• Tiger Brokers (Up Fintech Holding): Asia-focused cross-border brokerage offering Thai retail investors access to US, Hong Kong, and Singapore markets via mobile app — closely comparable to Dime's multi-market investment proposition.
• InnovestX: Thai securities broker (affiliated with INET) operating a digital trading platform for Thai stocks, mutual funds, and US stocks; a direct Thai-market competitor mentioned in Dime's own press positioning.
• Webull: US-headquartered commission-free retail brokerage with active Thailand operations, offering fractional US stock trading and a mobile-first experience — directly comparable to Dime's US stock and options offering for Thai retail.
• Finnomena: Leading Thai investment platform offering mutual funds, Thai/US stocks, and personalized portfolio tools to retail investors; competes head-on with Dime in the Thai mass-market investing segment.

Regional players

• Longdo FIN: Thai fintech offering investment information and portfolio tools; relevant as a domestic Thai competitor for retail investors seeking educational content and portfolio tracking.

Emerging players

• StashAway: Digital wealth manager operating across Southeast Asia (including Thailand) offering automated portfolio construction — comparable as an emerging Southeast Asian wealthtech targeting mass-affluent retail.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xtwitter.com/dimefinance
• Facebookfacebook.com/dime.finance.th
• Instagraminstagram.com/dime.finance
• TikToktiktok.com/@dime.finance
• LinkedInlinkedin.com/company/dimebykkp

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

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 Dime