Bettr
Bettr is the Singapore-based digital lending and embedded finance subsidiary of Ant International, providing AI- and blockchain-powered working capital, BNPL, credit tech, and real-time treasury solutions to MSMEs and platform partners across Brazil, Hong Kong, Malaysia, Thailand, Vietnam, and Indonesia.
- Company typePrivate
- Founded2015
- HeadquartersSingapore, Singapore
- Headcount1–10
- GTM typeB2B and B2C
- OfferingServices
What Bettr does
Bettr is the digital lending and embedded finance subsidiary of Ant International, headquartered in Singapore, that delivers inclusive financing, credit-technology, and real-time treasury solutions to micro, small and medium enterprises (MSMEs) and platform partners across emerging markets. Its product surface spans working-capital loans, Buy Now Pay Later (2-12 installments), accounts-receivable financing, credit-tech modules for financial institutions, and an AI- and blockchain-based real-time treasury management service. The flagship technology component is the Falcon Time-Series Transformer model (approximately 8.5 billion parameters), used for FX and cash-flow forecasting with stated accuracy up to 93%, alongside the Whale platform and the Bettr Settlement Token for wholesale cross-border settlement.
Bettr distributes through three primary go-to-market motions: embedded finance integration via modular API into partner platforms (AliExpress in Brazil, Amazon seller lending via Dowsure in Vietnam), API-first enterprise integrations for credit tech (bkash, GCash, DANA), and sales-led motions for treasury and credit solutions targeting airlines, OTAs, financial institutions, and cross-border trade companies. The company leverages Ant International's broader distribution (Alipay+ network, ~1.8B consumer accounts, 300+ payment methods) and its parent processes 2B+ cross-border transactions and $600B+ via blockchain annually.
The revenue model combines transaction fees from embedded financing, interest income on credit products, recurring enterprise licensing for credit tech, and subscription or usage-based fees for treasury management under multi-year contracts. Bettr operates local legal entities in Brazil (correspondent under QI Sociedade de Crédito Direto SA), Thailand (BNext Digital Lending), and field offices in Hong Kong, Malaysia, Vietnam, and Indonesia, with stated geographic restrictions excluding the Middle East. The brand was launched in 2025 as a consolidation of Ant International's lending and embedded-finance activities under a single identity.
Bettr firmographics
Firmographics- Name
- Bettr
- Legal name
- Bettr
- Website
- https://bettr.com
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Bettr is the Singapore-based digital lending and embedded finance subsidiary of Ant International, providing AI- and blockchain-powered working capital, BNPL, credit tech, and real-time treasury solutions to MSMEs and platform partners across Brazil, Hong Kong, Malaysia, Thailand, Vietnam, and Indonesia.
- Ownership category
- akta.pro rank
Bettr industry classification
Industry- Product category
- Embedded Finance & Digital Lending
- NAICS
- Sales Financing (52222), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Short-Term Business Credit Institutions (6153), Loan Brokers (6163), Finance Services (6199)
- akta.pro primary industry
- Merchant-Integrated BNPL (Checkout POS Financing) (FSAGAIAA)
- akta.pro secondary industries
- Alternative Payment Methods (APM) Enablement (Wallets, A2A, Local Rails) (FSAGABAJ), Alternative Payments & Digital Wallet Acceptance (A2A, RTP, wallets) (THALAHAH), P2P Loan Syndication & Participation Platforms (FSAKAHAL)
Keywords
Where Bettr is headquartered
LocationHeadquarters
- HQ city
- Singapore
- HQ country
- Singapore
- HQ region
- Asia
Offices7 records
Markets served
Bettr business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Embedded Finance Fees: Revenue generated from embedding financing capabilities into partner platforms. Partners integrate Bettr's financing solutions (working capital, BNPL) into their ecosystems, paying fees for the technology and credit services.
- Credit Interest Income: Interest income from providing working capital loans, BNPL financing, and other credit products to MSMEs and consumers through partner platforms.
- Credit Tech Solutions: Enterprise licensing and service fees for providing alternative data-driven credit technology solutions to financial institutions and credit businesses.
- Real-Time Treasury Management: Subscription or usage-based fees for AI-powered treasury management platform enabling FX risk management, liquidity optimization, and cross-border payment solutions.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Multi-year contract | Custom enterprise pricing based on partnership scope and integration requirements |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels6 records
Bettr product offering
Product offeringCore offering
Bettr provides digital financing products for MSMEs — including working capital loans, Buy Now Pay Later (BNPL), accounts receivable financing, and revenue-based financing — delivered both directly and through embedded finance APIs inside partner platforms such as AliExpress and Amazon. The company also offers Credit Tech Solutions (alternative data-driven risk assessment) and Real-Time Treasury Management Solutions (AI-powered FX forecasting and blockchain-based 24/7 cross-border settlement) for enterprise clients including airlines, banks, and cross-border trade firms.
Product overview
Bettr is the digital lending and embedded finance subsidiary of Ant International, offering a platform-plus-modules architecture. The core offering consists of Financing products (working capital, BNPL, account receivable financing, revenue-based financing) and Embedded Finance solutions that enable partners to integrate credit capabilities into their platforms. Supporting modules include Credit Tech Solutions for alternative data-driven credit assessment and Real-Time Treasury Management Solutions powered by blockchain and AI. The flagship AI technology is the Falcon Time-Series Transformer model (approximately 8.5 billion parameters) for FX forecasting and risk management. All solutions are designed for MSMEs with operations spanning Brazil, Hong Kong, Malaysia, Thailand, Vietnam, and Indonesia.
Differentiator
Problem solved
Functional benefit
Brands
- Whale: Ant International's internal blockchain-based treasury management platform for real-time treasury operations.
- EPOS360
Products and services
- Bettr Working Capital Collateral-free working capital loan for merchants on partner e-commerce platforms such as AliExpress and Amazon, enabling restocking, expansion, and cash flow management. Target customers are MSMEs in emerging markets.
- Bettr Buy Now Pay Later (BNPL) Consumer BNPL offering allowing shoppers on partner e-commerce platforms to split purchases into 2, 3, 6, 9, or 12 monthly instalments at fair rates, without leaving the merchant platform.
- Bettr Accounts Receivable Financing Financing product providing upfront cash to companies in the cross-border trade ecosystem to unlock funds tied up in unpaid invoices.
- Embedded Finance Platform API-based platform that lets partner digital platforms integrate Bettr's financing products — working capital loans, BNPL, and other credit solutions — directly into their own user experience. Designed for e-commerce marketplaces and digital platforms.
- Credit Tech Solutions Alternative data-driven credit technology offering that equips financial institutions and credit businesses with risk assessment tools, automated transactional analysis, and credit evaluation capabilities to build and scale credit operations.
- Real-Time Treasury Management Solutions Enterprise treasury solution using AI and blockchain to enable 24/7 cross-border fund transfers, AI-powered FX exposure forecasting, and real-time liquidity optimization. Targets airlines, banks, and large cross-border trade firms.
- Bettr Settlement Token Tokenised e-money designed to enable secure and efficient wholesale payments and settlements across Ant International's global operations, supporting tokenised money market fund share classes and intra-group liquidity management.
Quantifiable outcome
- Up to 80% approval rates for embedded finance through partner platforms
- +5 more outcomes
Companies that use Bettr
Customer profileNamed customers6 records
Segments5 records
Ideal customer profiles5 records
Bettr technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
AI capability4 records
Feature5 records
Bettr partnerships and signals
Strategic signalPartnerships
Nine partnerships are on record, tiered core and flagship.
- QI TechcoreQI Tech, a Brazilian financial services infrastructure provider, partnered with Bettr to expand credit solutions for e-commerce sellers and shoppers in Brazil. The partnership provides working capital loans for SMEs and BNPL options for consumers on AliExpress. Services use automated transactional analysis and real-time risk management to deliver credit within digital marketplaces.
- KASIKORNBANK (KBank)coreKBank partnered with Ant International to develop integrated financial infrastructure for faster, more reliable cross-border payment experiences. MoU combines KBank's regulated banking capabilities with Ant International's finAI solutions for real-time 24/7 USD cross-border transactions using Blockchain Deposit Accounts from Kinexys by J.P. Morgan.
- AmundiflagshipAmundi, Europe's largest asset manager, partnered with Ant International and CACEIS to launch tokenised share classes for the Amundi Money Market Fund – Short Term. Ant International is the pioneering customer for real-time investment solutions in intra-group liquidity management, with CACEIS acting as transfer agent and tokenisation agent.
- CACEISflagshipCACEIS, European leader in asset servicing, serves as transfer agent and tokenisation agent for the Amundi-Ant International tokenised investment solution. Manages €5.9 trillion in assets under custody and €3.7 trillion in assets under administration.
- CiticoreCiti and Ant International piloted AI-enabled forecasting solution using Ant International's Falcon TST Model combined with Citi's Fixed FX Rates solution. The partnership successfully reduced FX hedging costs for an Asian airline customer by 30%. Citi's Fixed FX Rates supports 70+ currencies.
- AliExpresscoreAliExpress partnership enables Bettr to power financing for Brazilian merchants (working capital) and consumers (BNPL up to 12 installments). Merchants access financing through AliExpress Merchant Portal with flexible loan amounts and repayment terms. Integration delivered seamless experience with minimal technical lift.
- Kinexys by J.P. MorgancoreKinexys blockchain business part of J.P. Morgan Payments provides Blockchain Deposit Accounts enabling real-time USD liquidity movement for the KBank-Ant International cross-border payment initiative.
- DowsurecoreDowsure, Amazon's official lending program partner, enables Vietnamese Amazon sellers to access Bettr Working Capital in USD with faster approval and disbursement. Partnership addresses traditional financing challenges requiring extensive documentation and collateral.
- Capital A (AirAsia)coreCapital A (formerly AirAsia Group) partnered with Bettr for treasury management solution using TST AI model. Partnership resulted in 40% reduction in FX hedging costs, 90%+ forecast accuracy, and enabled 24/7 treasury operations across multiple countries and currencies.
Scale indicators11 records
Recent moves7 records
Expansion highlights6 records
Bettr competitors and assessment
Company assessmentDirect peers
- Klarna: Klarna is the global benchmark for merchant-integrated BNPL and embedded checkout financing, competing head-to-head with Bettr's BNPL product (2-12 installments) on e-commerce platforms; both target merchant and consumer financing at the point of sale within partner ecosystems, though Klarna is consumer-led while Bettr is weighted toward MSME working capital.
- Atome: Atome is a leading APAC-focused BNPL provider that embeds installment financing inside merchant checkout flows across Southeast Asia—exactly overlapping Bettr's BNPL product, target geography (SEA e-commerce platforms) and merchant-led distribution model, making it the closest regional direct peer.
- Airwallex: Airwallex provides cross-border payments, FX and embedded finance infrastructure for platforms and marketplaces, closely mirroring Bettr's treasury management, FX hedging (Falcon TST) and cross-border settlement products targeted at e-commerce marketplaces, airlines and cross-border trade firms.
- Funding Circle: Funding Circle operates a marketplace/sME lending platform that originates working capital loans to underserved small businesses via embedded partner channels—an analogous model to Bettr's working-capital financing for MSMEs delivered through e-commerce platform partners.
Emerging players
- Plaid: Plaid is the dominant financial data and account-linking infrastructure that powers embedded finance and credit decisioning for fintechs; its data connectivity and analytics capabilities underpin the alternative-data credit assessment use cases that Bettr serves through its Credit Tech Solutions offering to financial institutions.
- iZettle / Zettle by PayPal: Zettle (formerly iZettle) provides merchant-facing embedded working capital and POS financing inside PayPal's commerce platform, replicating the model Bettr uses on AliExpress and Amazon: positioning small merchant financing as an embedded layer of the checkout/payments stack rather than a standalone lending product.
- MarketFinance (MarketPay): MarketFinance provides embedded working capital, invoice/accounts-receivable financing and treasury solutions to SMEs via platform integrations—a comparable model to Bettr's working capital loans and AR financing products targeted at MSMEs in cross-border trade ecosystems.
Broad incumbents
- LendingClub: LendingClub is a US digital lending platform offering consumer and SMB credit products through a marketplace model; it shares with Bettr the core proposition of credit intermediation via alternative-data scoring, though LendingClub is US-focused while Bettr targets emerging markets.
- Wise (formerly TransferWise): Wise is a global multi-currency, cross-border payments and treasury platform competing with Bettr's real-time treasury management and cross-border fund transfer offering for SMEs and enterprises operating across multiple currencies.
- Stripe (Capital & Treasury): Stripe is the dominant global payments infrastructure provider and a direct comparable to Bettr's embedded finance strategy—its Stripe Capital product embeds working capital and BNPL-style financing into platform merchants in the same way Bettr powers AliExpress, Amazon, and QI Tech e-commerce flows, while Stripe's broader treasury and cross-border capabilities parallel Bettr's real-time treasury management offering.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Bettr social profiles
Digital presenceBettr financial estimates
Financial estimateRevenue estimate
Valuation estimate
Bettr leadership team
Management profileNumber of profiles
Bettr funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Bettr 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 Bettr
What does Bettr do?
Bettr provides digital financing products for MSMEs — including working capital loans, Buy Now Pay Later (BNPL), accounts receivable financing, and revenue-based financing — delivered both directly and through embedded finance APIs inside partner platforms such as AliExpress and Amazon. The company also offers Credit Tech Solutions (alternative data-driven risk assessment) and Real-Time Treasury Management Solutions (AI-powered FX forecasting and blockchain-based 24/7 cross-border settlement) for enterprise clients including airlines, banks, and cross-border trade firms.
Is Bettr a public or private company?
Bettr is a private company. It is classified as corporate owned and is currently operating.
When was Bettr founded?
Bettr was founded in 2015. It employs 1 to 10 people.
Where is Bettr based?
Bettr is headquartered in Singapore, Singapore, in the Asia region.
How does Bettr make money?
Four revenue lines are on record. Embedded Finance Fees are the primary driver. The others are credit Interest Income, credit Tech Solutions and real-Time Treasury Management.
Who are Bettr's main competitors?
Direct peers on record are Klarna, Atome, Airwallex and Funding Circle. Emerging players are Plaid, iZettle / Zettle by PayPal and MarketFinance (MarketPay). Broad incumbents are LendingClub, Wise (formerly TransferWise) and Stripe (Capital & Treasury).
Does Bettr have an API?
Yes. Bettr offers a modular API suite for flexible integration of financing capabilities into partner platforms. The API enables seamless integration via API, mini applications and more to ensure smooth user experience. Partners can integrate embedded financing solutions including working capital loans, BNPL, and other credit products directly into their platforms.
What industry is Bettr in?
Bettr's product category is Embedded Finance & Digital Lending. Its primary akta.pro industry code is FSAGAIAA, Merchant-Integrated BNPL (Checkout POS Financing), with a secondary code of FSAGABAJ, Alternative Payment Methods (APM) Enablement (Wallets, A2A, Local Rails). Its NAICS code is 52222 and its SIC code is 6153.