Bettr

What Bettr does

Bettr is an inclusive and embedded finance platform that operates as an affiliate of Ant International, headquartered in Singapore with a stated headcount of 14 employees. The company provides a portfolio of five core offerings: inclusive financing for MSMEs and individuals, embedded finance delivered through partner digital platforms, alternative data-driven credit tech solutions for enterprise credit businesses, real-time treasury management solutions for banks and their corporate customers, and a tokenised settlement instrument (Bettr Settlement Token) for wholesale payments within the Ant International ecosystem.

The technology stack centers on three proprietary components: an alternative data-driven credit scoring engine, a Time-Series Transformer Model for FX and cash flow exposure prediction, and blockchain-based treasury architecture. Bettr reaches end customers through two parallel go-to-market motions: an embedded finance channel that integrates financing APIs into partner platforms (airlines, eCommerce, online travel agents), and a direct enterprise sales motion targeting banks and financial institutions for credit tech and treasury solutions. The platform is localized across six markets — Brazil, Hong Kong, Malaysia, Thailand, Vietnam, and Indonesia — with country-specific language versions.

Bettr generates revenue through transaction fees on embedded finance integrations and subscription/recurring arrangements on financing, credit tech, and treasury management solutions, with pricing not publicly disclosed. The company operates without external venture funding, drawing instead on its structural integration with Ant International and sister brands Alipay+, Antom, and WorldFirst for distribution, regulatory infrastructure, and capital. Named enterprise partners include Citi, KBank, Amundi, CACEIS, Capital A, QI Tech, bKash, and GCash, spanning banking, asset management, airlines, e-commerce, and mobile wallet verticals.

Name

Bettr

Legal name

Bettr (operating as Ant International affiliate)

Website

https://bettrfinancing.com

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Bettr is an inclusive and embedded finance platform affiliated with Ant International, offering MSME financing, embedded credit APIs, alternative data credit tech, AI- and blockchain-powered treasury management, and a settlement token. It serves banks, airlines, e-commerce, OTAs, and cross-border trade across six Asian and Latin American markets.

Ownership category

akta.pro rank

Product category

Embedded Finance Platform

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Sales Financing (52222), Securities and Commodity Exchanges (523210)

SIC

Security & Commodity Brokers, Dealers, Exchanges & Services (6200)

akta.pro primary industry

Enterprise Payments & Tokenized Money (stablecoins, tokenized deposits, CBDC rails) (FSAPAIAJ)

akta.pro secondary industry

Alternative Payment Methods (APM) Enablement (Wallets, A2A, Local Rails) (FSAGABAJ)

Keywords

• Embedded finance platform
• Credit technology solutions
• Treasury management software
• Alternative credit scoring
• MSME financing services

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Embedded Finance: Integrating financial services directly into partner digital platforms, enabling partners to offer financing to their customers. Revenue generated through transaction fees and approval-based pricing.
2. Financing Services: Inclusive financing for MSMEs and individuals at various stages of business growth. Digital-first financing experience with convenient, affordable access.
3. Credit Tech Solutions: Enterprise solutions for credit businesses providing alternative data-driven technology to build and scale efficiently.
4. Treasury Management Solutions: Real-time treasury management solutions including FX risk management powered by AI and blockchain technology.

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Bettr is an inclusive and embedded finance platform operated by Ant International. It delivers inclusive financing for MSMEs and individuals, embedded finance APIs for partner platforms (achieving up to 80% approval rates), alternative data-driven credit technology for enterprise credit businesses, and AI- and blockchain-powered real-time treasury management solutions for banks and their customers. The company also offers a Settlement Token for wholesale payments within Ant International's ecosystem.

Product overview

Bettr is an inclusive and embedded finance platform offered by Ant International that provides a portfolio of financial services solutions. The core offerings include Financing (inclusive financing for MSMEs), Embedded Finance (API-based financial services for partner platforms achieving up to 80% approval rates), Credit Tech Solutions (alternative data-driven credit technology for enterprise clients), Real-time Treasury Management Solutions (blockchain and AI-powered treasury operations with FX risk prediction via Time-Series Transformer Model), and Settlement Token (tokenised e-money for wholesale transactions within Ant International's ecosystem). The platform operates across multiple markets including Brazil, Hong Kong, Malaysia, Thailand, Vietnam, and Indonesia, serving both direct customers and enterprise partners in sectors such as airlines, banking, cross-border trade, e-commerce, and online travel.

Differentiator

Problem solved

Functional benefit

Products and services

• Financing Inclusive and flexible financing solutions for MSMEs (Micro, Small and Medium Enterprises) and individuals, providing a convenient, affordable and digital-first financing experience at every stage of business growth.
• Embedded Finance Financial services delivered to partners' customers directly through their digital platforms, offering up to 80% approval rates through seamless API integration with partner systems.
• Credit Tech Solutions Alternative data-driven technology solutions for credit businesses to build and scale efficiently, providing one-stop credit solutions from launch to scale to serve customers better, grow faster, and achieve long-term business results.
• Real-time Treasury Management Solutions Treasury operations management powered by blockchain technology and AI, featuring a Time-Series Transformer Model for FX risk prediction and cash flow exposure management, enabling banks and their customers to manage FX risks in real time.
• Bettr Settlement Token Tokenised e-money designed to enable secure and efficient wholesale payments and settlements across Ant International's global operations, redefining efficiency in global real-time payments.

Quantifiable outcome

• Up to 80% approval rates through embedded finance partnerships

Segments6 records

Ideal customer profiles6 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability3 records

Feature4 records

Partnerships

Six partnerships are on record, tiered core.

• QI TechcoreStrategic or Co-development Partner · 30 June 2026QI Tech and Ant International's Bettr partnered to expand credit access for e-commerce merchants and consumers in Brazil. This partnership enables QI Tech to leverage Bettr's embedded finance capabilities to serve Brazilian e-commerce customers who have limited access to traditional credit.
• AmundicoreStrategic or Co-development Partner · 16 June 2026Amundi (European asset management leader) and CACEIS collaborated with Ant International to advance blockchain-powered treasury and tokenised investment solutions. This partnership focuses on innovation in tokenised investment and treasury management.
• CACEIScoreStrategic or Co-development Partner · 16 June 2026CACEIS collaborated with Ant International and Amundi to advance blockchain-powered treasury and tokenised investment solutions, focusing on innovation in tokenised investment and treasury management.
• KBank (Kasikorn Bank)coreStrategic or Co-development Partner · 3 June 2026KBank and Ant International partnered on cross-border payments and liquidity management in Thailand. This partnership enables KBank customers to access improved cross-border payment capabilities and liquidity management solutions.
• CiticoreStrategic or Co-development PartnerCiti is featured as a partner on Bettr's Real-Time Treasury Solution page, indicating collaboration on treasury management and FX solutions.
• Ant International Ecosystem (Alipay+, Antom, World First)coreStrategic or Co-development PartnerBettr operates within the Ant International ecosystem, integrated with sister brands Alipay+, Antom, and World First for global payment and financial services capabilities.

Scale indicators1 record

Recent moves6 records

Expansion highlights4 records

Direct peers

• Atome: Singapore-headquartered BNPL and embedded consumer finance platform operating across Southeast Asia. Highly comparable to Bettr's MSME and consumer embedded-finance business across the same regional footprint.
• Xendit: Southeast Asia payment infrastructure and embedded financial services provider. Comparable as a regional peer offering payments APIs and embedded finance to merchants in markets Bettr also serves.
• Kredivo: Indonesia-based digital consumer credit and embedded finance provider serving underbanked borrowers. Comparable to Bettr's alternative-data-driven inclusive financing for MSMEs and individuals in Southeast Asia.
• QI Tech: Brazilian fintech infrastructure platform powering embedded credit and payments. Directly comparable as a partner-target that does the same embedded-finance work in Brazil that Bettr is integrating into.
• Akulaku: Pan-Southeast Asia consumer finance and BNPL platform with merchant financing for eCommerce. Directly comparable to Bettr's BNPL and merchant financing offerings in overlapping SEA markets.

Broad incumbents

• Affirm: US-listed BNPL and consumer credit platform with enterprise integrations. Comparable to Bettr's embedded credit and approval-rate-driven financing at the point of sale.
• Adyen: Global payments platform with cross-border acquiring and treasury/payout infrastructure for large enterprises. Comparable to Bettr's enterprise treasury and cross-border payment solutions sold to banks and large merchants.
• Klarna: Global BNPL and embedded payments network with consumer and merchant financing. Comparable as a much larger incumbent offering similar embedded-finance and point-of-sale credit to merchants.
• Stripe Capital: Embedded lending and merchant financing products inside the Stripe payments platform. Comparable to Bettr's embedded finance API model delivering financing through partner digital platforms.

Emerging players

• Circle: Issuer of USDC and infrastructure for tokenized money and on-chain payments. Comparable to Bettr's Settlement Token effort targeting tokenized wholesale payments and settlements.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/bettrfinancing

Revenue estimate

Valuation estimate

Number of profiles

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 Bettr