Sensen

What Sensen does

Sensen Technology Pte. Ltd. is a Singapore-incorporated fintech founded in 2023 that operates a regulated, programmable money platform combining fiat and stablecoin payment rails. The company offers four integrated products: a multi-currency Business Account supporting SGD, USD, USDC, USDT, CNY, HKD, JPY, and MYR with real-time FX and maker-checker workflows; a Corporate Card product issuing virtual and physical debit cards linked directly to the account; a Payment Gateway that accepts USDC, USDT, and card payments with sub-second settlement and no chargebacks; and a Wallet for Agent product that gives autonomous AI agents their own balances, hard daily spending caps, and complete audit trails. The proprietary SAPP Protocol bridges AI agents and the global financial system and supports x402, A2A, and MCP standards for machine-to-machine payments.

Sensen is a Monetary Authority of Singapore (MAS) Major Payment Institution license applicant and is built compliance-first under the Payment Services Act with KYB, KYT, screening, transaction monitoring, and travel rule automation. The platform claims 200+ country reach via SWIFT fiat corridors and stablecoin rails, with average stablecoin settlement under 30 seconds and 0% hidden FX margin. Customer testimonials report a 47% reduction in FX overhead for multi-country construction payments, 40% reduction in correspondent banking fees for an ASEAN logistics operator, and autonomous USDC payroll across 14 countries for a Web3 infrastructure customer.

The company targets three customer segments — SMEs and corporates requiring multi-currency cross-border B2B payments, merchants needing unified stablecoin and card settlement, and AI-native businesses requiring programmable money infrastructure for autonomous agents. Revenue is generated through transaction-based streams including FX spreads, cross-border transfer fees, card interchange, payment gateway fees, and API/protocol access charges. Pricing is not publicly disclosed and appears to be quote-based with volume tiers. The company is founder-owned with no public listing or external institutional investment disclosed in the source material, and operates a small team led by El Lee, Nikki Tian, and Justine Jiang with advisory board support from former Singapore Member of Parliament Dr. Ahmad Magad and Singapore FinTech Association founder Chia Hock Lai.

Name

Sensen

Legal name

Sensen Technology Pte. Ltd.

Website

https://sensenpay.com

Company type

Private

Founded year

2023

Operating status

Operating

Headcount range

1–10 employees

Short description

Sensen is a Singapore-based fintech operating a programmable money platform that combines fiat and stablecoin rails in a single regulated business account, serving SMEs, corporates, merchants, and AI-native businesses with multi-currency accounts, corporate cards, payment gateway, and agent wallets.

Ownership category

akta.pro rank

Product category

Cross-border Payment Infrastructure

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Securities and Commodity Contracts Intermediation and Brokerage (5231)

SIC

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

akta.pro primary industry

Stablecoin Payment Rails & Settlement Networks (Issuer-Led) (FSADADAF)

akta.pro secondary industries

Crypto Payments & Stablecoin Settlement Platforms (BPAMAFAL), Payments, Remittances & Merchant Acceptance (checkout, invoicing, payroll) (FSAPAEAE), Mint/Redeem, Issuance APIs & Treasury Operations Platforms (FSADADAE), Enterprise Payments & Tokenized Money (stablecoins, tokenized deposits, CBDC rails) (FSAPAIAJ)

Keywords

• Cross-border payments
• Multi-currency accounts
• Stablecoin settlement
• Corporate card issuance
• Programmable money platform

Headquarters

HQ city

Singapore

HQ country

Singapore

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. FX Conversion Revenue: Revenue generated from foreign exchange conversion spreads between bid and ask rates on multi-currency transactions. Platform advertises '0% Hidden FX margin' but generates revenue through the spread built into live mid-market rates.
2. Cross-border Transfer Fees: Fees charged on cross-border wire transfers and stablecoin settlements. Settlement comparison shows '$45.00 fee saved' vs traditional wires, suggesting competitive per-transaction pricing.
3. Corporate Card Fees: Revenue from corporate card issuance and usage, including interchange fees and any annual/monthly card fees.
4. Payment Gateway Transaction Fees: Fees on payment gateway transactions processing USDC, USDT, and card payments. Platform advertises instant settlement and no chargebacks, indicating different fee structure from traditional processors.
5. API/Protocol Access Fees: Revenue from AI agents and enterprises accessing programmable money infrastructure via SAPP Protocol and API calls. Sub-cent transaction support enables micro-payment billing for API resources.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels4 records

Core offering

Sensen is a programmable money platform that combines fiat and stablecoin rails in a single regulated business account. Its core offerings include a multi-currency Business Account (SGD, USD, EUR, GBP, CNY, HKD, JPY, MYR, USDC, USDT) with real-time FX, instant virtual and physical Corporate Cards, a Payment Gateway accepting USDC/USDT and cards with instant settlement and no chargebacks, and AI Agent Wallets powered by the proprietary SAPP Protocol supporting x402, A2A, and MCP standards. The platform enables cross-border B2B payments, supplier disbursements, payroll, and agent-driven transactions to 200+ countries with sub-30-second stablecoin settlement, under a built-in compliance stack aligned with the Singapore Payment Services Act.

Product overview

Sensen is a unified programmable money platform combining four integrated products: the Business Account (multi-currency fiat and stablecoin account with real-time FX), Corporate Card (virtual/physical debit cards), Payment Gateway (USDC/USDT/card acceptance with instant settlement), and Wallet for Agent (AI-native wallet infrastructure for autonomous payments via x402, A2A, and MCP protocols). The platform operates on a dual-rail architecture combining traditional fiat corridors with stablecoin settlement rails, enabling businesses and AI agents to move money across 200+ countries with <30 second settlement.

Differentiator

Problem solved

Functional benefit

Brands

• SAPP Protocol: Settlement and Payment Protocol - A protocol designed for autonomous agents as first-class participants, enabling stablecoin-native, atomic, and synchronous transactions with cryptographic signing and immutable logging.

Products and services

• Business Account

Quantifiable outcome

• 47% FX overhead reduction for multi-country construction payments
• +4 more outcomes

Named customers8 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

AI capability3 records

Feature8 records

Partnerships

Seven partnerships are on record, tiered minor and core.

• ACCESS (Singapore)minorOthersActive member of ACCESS, Singapore's blockchain and cryptocurrency industry association. Affiliation signals commitment to industry standards and regulatory engagement in Singapore's fintech ecosystem.
• SFA (Singapore FinTech Association)minorOthersMember of Singapore FinTech Association, the national industry body for fintech companies in Singapore. Represents Sensen in industry dialogue and regulatory discussions.
• DAA (Digital Assets Association)minorOthersMember of Digital Assets Association, supporting digital asset and blockchain industry standards development and adoption in Singapore.
• Global Fintech Institute (GFI)minorOthersMember of Global Fintech Institute, a professional body for fintech practitioners globally, supporting industry certification and best practice standards.
• Dr. Ahmad MagadminorStrategic or Co-development PartnerAdvisory board member. Former 3-term Member of Parliament (Pasir Ris GRC) providing guidance on corporate governance and public policy matters. Brings political and regulatory insight to Sensen's strategic direction.
• Mr. Chia Hock LaiminorStrategic or Co-development PartnerAdvisory board member. Founder of Singapore FinTech Association providing guidance on regulatory landscape and industry partnerships. Deep fintech ecosystem connections from founding SFA.
• MAS (Monetary Authority of Singapore)coreStrategic or Co-development PartnerRegulatory partner and licensing pathway. MAS MPI (Major Payment Institution) license applicant. Sensen operates under Payment Services Act compliance framework with MAS oversight for payment services including stablecoin settlement.

Scale indicators9 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Rapyd: Direct competitor in fintech-as-a-service with multi-currency wallets, global payment acceptance, and stablecoin integration. Provides embedded payments infrastructure used by marketplaces and platforms globally.
• BVNK: Direct competitor providing stablecoin payment infrastructure and multi-currency accounts for enterprises. Targets cross-border B2B payments and merchant settlement with both fiat and stablecoin rails.
• Mercuryo: Direct competitor in crypto payments infrastructure, offering fiat-to-crypto on-ramps, payment processing, and stablecoin-based settlement. Targets similar merchant and enterprise use cases across multiple regions.
• Bridge (Stripe): Direct competitor building stablecoin API infrastructure for businesses. Acquired by Stripe in 2024, it offers stablecoin issuance, accounts, and payment orchestration APIs targeting the same programmable-money use cases as Sensen's SAPP Protocol.
• Rain: Direct competitor offering stablecoin-backed cards and accounts for businesses, with focus on Latin America and emerging markets. Comparable product architecture combining cards, accounts, and stablecoin rails.
• Airwallex: Direct competitor offering multi-currency business accounts, cross-border B2B payments, FX conversion, and corporate cards. Targets the same SME and corporate segments with similar Asia-Pacific geographic focus and transparent FX positioning.

Broad incumbents

• Wise: Established incumbent in cross-border transfers with multi-currency accounts and transparent mid-market FX. Competes head-on with Sensen's cross-border B2B value proposition and serves SMEs and corporates globally.
• Coinbase Commerce: Broader incumbent in crypto merchant payments with USDC and stablecoin acceptance. Provides payment gateway functionality comparable to Sensen's Payment Gateway product, with greater brand recognition and U.S. regulatory positioning.
• Circle: USDC issuer and broader stablecoin infrastructure provider expanding into enterprise treasury, payments, and programmable money. Represents both a key infrastructure dependency and a competitor as Circle moves up the stack.

Regional players

• StraitsX: Singapore-based peer operating in the same regulatory jurisdiction. Issues XSGD and XUSD stablecoins and provides payment infrastructure including cards and accounts — directly comparable to Sensen's Singapore-anchored offering.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/SenSen_Pay
• LinkedInlinkedin.com/company/sensenpay

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 Sensen