最有看点的互联网金融门户

最有看点的互联网金融门户
全新的互联网金融模式国际资讯基于互联网平台的金融业务投融资

菲律宾融资金额最高的14家Fintech初创公司

近年来,旨在提升金融普惠性的Fintech初创公司在菲律宾频频涌现,许多都成功吸引到天使投资人和风投公司的关注,一些私人债务领域的机构也看到了它们的潜力。

根据菲律宾央行Banko Sentral ng Pilipinas最新的普惠金融调查,2015到2017年之间,在银行开户的菲律宾用户增长了22%。不过,以绝对值来看,只有1580万人拥有银行账户,仅占该国成年人口的22.6%。

我们整理了菲律宾14家融资金额最高的Fintech初创公司,它们的业务涵盖创新金融(Alternative Finance)、电子支付&钱包、汇款/区块链、加密货币、信用评分&分析、员工薪资管理等领域。

Acudeen--4200万美元

尽管成立才两年,Acudeen已获得累计4160万美元的投资。去年6月,Acudeen新加坡公司发行的ACU代币销售一空,成功融资3500万美元。同年8月24日,ACU首次正式在BTCEXA交易所(Exchagne Alliance的认证成员之一)上市。Acudeen提供应收账款融资服务。通过其P2P平台,中小企业可以用应收票据换取现金,增加自己的现金流。2016年,刚成立几个月,Acudeen就获得了500 Startups 10万美元的种子资金,随后又在瑞士的Seedstars World 2017决赛上赢得了50万美元股权投资。

Salarium--1520万美元

Salarium 2013年成立于新加坡,是一家提供支付解决方案的公司。公司只在菲律宾运营,主要服务于业务外包(BPO)、制造、零售、IT等领域的中小型企业。报道显示,Salarium的融资总额已达到1520万美元,其中包括在Seedstars World 2015上获得的50万美元种子资金,2016年中旬从Future Now Ventures获得的120万美元投资,以及去年2月通过发行SALPay代币融到的1350万美元。

Lenddo--1400万美元

Lenddo利用非传统数据提供信用评分和在线校验服务。这家成立于2012年的初创公司最初提供的是贷款服务,主要面向菲律宾的新兴中产。报道显示,Lenddo的融资总额已达到1400万美元。最近的一次融资活动是2015年的B轮,由AT Capital和Life.SREDA领投,现有投资方Omidyar Network、Blumberg Capital和Golden Gate Ventures参投。

Coins.ph--1000万美元

Coins.ph运营着一款电子钱包和移动支付APP。公司由Ron Hose创立于2014年,是最早获得菲律宾央行Bangko Sentral ng Pilipinas虚拟货币运营牌照的本地Fintech公司之一。公司去年5月透露,其建立于区块链之上的平台已有超过500万用户。目前,Coins.ph已完成1000万美元的A轮融资,投资方包括Accion Frontier Inclusion Fund、Quona Capital、Naspers等。

Ayannah--500万美元

Ayannah通过自有平台提供电子汇款、支付及企业解决方案,是一家处于增长期的初创公司。根据Crunchbase的数据,这家成立于2010年的Fintech公司已完成7轮融资,融资总额达到500万美元。目前,Ayannah正寻求海外扩张。创始人兼CEO Mikko Perez称,公司的交易量已增长超过一倍;此外,在去年于香港举行的Fintech Finals 2017上赢得总冠军后,Ayannah得以和许多新伙伴合作,共同推出产品。

AsiaKredit--250万美元

AsiaKredit是一家在线消费贷平台,通过pera247 APP向用户提供小额、短期的无抵押贷款。公司去年11月成立时融资250万美元,由国际科技投资公司SIG Asia Investments领投,FORUM、Fintonia Group、Reliance Indonesia Group和Space Ventures参投。

First Circle--250万美元

First Circle是菲律宾的一家网络借贷初创公司,为中小型企业提供短期周转资金。公司成立于2015年,目前已经完成风投轮和种子轮融资,融资金额达250万美元。除国际风投公司Accion Venture Lab、DeepBlue VC和Key Capital以外,500 Startups和IMJ Investment Partners也参与了投资。2016年12月,First Circle与Acudeen达成合作,致力于为中小企业创造增长机会。

Venteny--超过230万美元

Venteny提供企业员工福利和Fintech解决方案。公司成立于2015年4月,起初是一个企业会员平台,为菲律宾企业提供员工福利外包业务。Venteny后来在新加坡注册了公司,目前业务已覆盖多个东南亚国家,融资金额超过230万美元。最近的一次融资是去年12年发起的A轮,由日本SBI Holdings旗下的风投基金SBI Investment领投,同时参与投资的还有SV-FINTECH Fund、KK Fund,以及日本Fintech圈大佬Mamoru Taniya和Makoto Takano。

Sprout Solutions--160万美元

Sprout Solutions是菲律宾的一家人力资源和薪资系统初创公司,由Patrick Gentry和Alex Gentry夫妇于2015年共同创立。公司致力于简化企业的人力资源和薪资管理流程,同时开展与人力资源相关的人工智能和预测性分析。去年4月,Sprout Solutions完成了总额160万美元的种子轮融资,由Kickstart Ventures领投,Wavemaker Partners、Beenext,以及一名个人投资者参投。

SCI Ventures Inc--100万美元

SCI Ventures Inc是一家持有虚拟货币运营牌照的菲律宾公司,也是区块链科技的积极倡导者,其更为人所知的名字是Satoshi Citadel Industries。

SCI成立于2014年,旗下拥有比特币平台Rebit.ph、Buybitcoin.ph、Bitmarket.ph、Prepaidbitcoin.ph、Keza和Lifebit。联合创始人兼CEO John Bailon透露,公司已完成多轮融资,累积融资金额超过100万美元,最近的一次种子轮投资方是韩国互联网公司Kakao Corporation旗下的投资分支K Venture Group。

Qwikwire--100万美元

Qwikwire是一个服务于菲律宾企业的跨境支付平台。公司成立于2013年,致力于将消费者和买家与地产商直接连接。公司最近在搭建一个基于区块链的平台,通过该平台,房产公司可向全世界的买家公开出售房源。Qwikwire已完成几轮融资,累计融资100万美元,投资方包括500 Startups、JFDI、马尼拉天使投资人联盟(Manila Angel Investors Network),First Asia Venture Capital和Cerebro Labs。当前,Qwikwire正筹划通过代币发售募集1500万美元。

Loansolutions.ph--金额未披露

Loansolutions自称拥有菲律宾最丰富的贷款人资源。这家成立于2014年的Fintech初创公司致力于在借款人和不同的贷款方之间牵线搭桥,让借款人只需通过简单的在线申请就能方便地获得贷款,从而解决各种资金需求。Loansolutions已于2015年和2016年分别向KK Fund和Kickstart Ventures融到"数额可观"的种子资金。

PawnHero--1000万美元

PawnHero是菲律宾一家获得执照的当铺,也是东南亚的第一家数字当铺,由David Margendorff在2014年成立。他拒绝透露公司的融资金额。公司最近公布的融资信息是一次Pre A轮融资,由SoftBank旗下专攻菲律宾市场的Kaikaku Fund领投,并得到500 Startups和IMJ Investment Partners的支持。2017年8月,Margendorff透露PawnHero已与一家菲律宾投资银行达成一项970万美元的融资协议,但他不愿透露银行名称。

Pitaca Digital Services(PDS)

Pitaca Digital Services(PDS)是一家本土零售支付解决方案公司,开发了iRegalo--一个旨在服务菲律宾在线汇款市场的移动平台。通过iRegalo,海外菲律宾人可在手机或电脑上,向远在国内的亲人和朋友发送礼物和电子礼券(EGC)。2016年,PDS获得了来自私募基金、风险投资和私人贷款领域人士的投资,但数额不明。

Fintech startups have been popping up in the Philippines these past few years and many of them have attracted angel investors, venture capital firms, including people in the private debt space, seeing potential in their platforms meant to boost financial inclusion.

Based on the latest Financial Inclusion Survey by the Banko Sentral ng Pilipinas, the number of Filipino adults with formal bank accounts jumped 22 per cent from 2015 to 2017. However, the total numbers represent only 15.8 million or 22.6 per cent of the Filipino adult population.

Below is a list of 14 funded fintech startups in the Philippines engaged in alternative finance, mobile payments & wallets, remittance/blockchain, cryptocurrency, credit rating & analytics, payroll, among others. Please note that it’s extremely difficult to get confirmed numbers, in case we missed one, contact us or comment below.

Acudeen – US$42 million

Now only on its second year, fintech startup Acudeen is pegged to have raised investments of up to US$41.6 million, with $35 million of which had come from the sold out digital coin offering the ACU token by its Singapore entity last June. The token got its first listing last August 24 on the BTCEXA Exchange, an accredited member of the EXA (Exchange Alliance). Acudeen does receivable financing, a P2P (peer-to-peer) invoice marketplace that allows SMEs to convert their unclaimed receivables for cash to boost their cash flow. A few months after its founding in 2016, Acudeen received $100,000 seed fund from 500 Startups, then a grand prize of $500,000 equity investment at the Seedstars World 2017 startup finals in Switzerland.

Salarium – US$15.2 million

Founded in 2013 in Singapore, Salarium is a payment solutions company that operates only within the Philippines serving mostly SMEs that are engaged in various industries such as BPO, manufacturing, retail, IT, among others. Reports showed the startup has raised up to $15.2 million overall funding and investments. Salarium won a $500,000 seed fund at the Seedstars World 2015, was funded $1.2 million by Future Now Ventures in mid-2016, and raised $13.5 million via its SALPay token sale last February.

Lenddo – US$14 million

Lenddo does non-traditional data for credit scoring and online verification. The startup was established in 2012 as an alternative option to obtain loans, lending money to people mostly from the emerging middle class. Reports showed Lenddo’s total funding amount reached $14 million. Its latest funding came from a Series B in 2015 led by new investors AT Capital and Life.SREDA, with participation from existing investors Omidyar Network, Blumberg Capital and Golden Gate Ventures.

Coins.ph – US$10 million

Coins.ph is a digital wallet and mobile payments app company founded by Ron Hose in 2014, and is one of the first local fintech firms that received a virtual currency (VC) license from the Bangko Sentral ng Pilipinas or Philippine central bank. The company announced last May of reaching over five million customers on its blockchain-powered platform. Coins has so far raised US$10 million from a series A round led by Accion Frontier Inclusion Fund, Quona Capital, Naspers, and other investors.

Ayannah – US$5 million

Ayannah is a growth-stage fintech startup that provides digital remittances, payments and business solutions through its own platforms. Founded in 2010, Ayannah has raised up to $5 million in seven funding rounds, according to Crunchbase data. The fintech firm now targets to expand its business overseas. Ayannah founder and CEO Mikko Perez claimed their transaction volume has more than doubled, and has launched its products with many new partners since winning the FF17 (Fintech Finals 2017) pitch last year in Hong Kong.

AsiaKredit – US$2.5 million

AsiaKredit is a digital consumer lender that provides unsecured small-ticket, short-term consumer loans via its pera247 mobile application. It raised $2.5 million during its launch last November backed by global technology investment firm SIG Asia Investments. The startup’s other investors are FORUM, Fintonia Group, Reliance Indonesia Group, and Space Ventures.

First Circle – US$2.5 million

First Circle is a Philippine-based online lending startup that provides short-term working capital among small and medium-sized enterprises (SMEs). It was launched in 2015 and has so far raised $2.5 million in separate venture, and seed funding rounds led by global venture capital firms Accion Venture Lab, DeepBlue VC, and Key Capital. Among its other investors are 500 Startups, and IMJ Investment Partners. First Circle teamed up with Acudeen in December 2016 seeking to push for growth of SMEs.

Venteny – Over US$2.3 million

Venteny is a hybrid employee benefits and fintech solutions platform launched in April 2015 as a company membership platform that served as a perks option for employees working for companies in the Philippines and as a benefits outsourcing service business for enterprises. It was later on registered in Singapore and now has operations in other countries in Southeast Asia. The company has raised over $2.3 million in funds. Its latest round was a Series A last December led by Japan-based venture capital fund SBI Investment of SBI Holdings, that was also participated in by SV-FINTECH Fund, KK Fund, and key figures in Japan’s fintech community Mamoru Taniya, and Makoto Takano.

Sprout Solutions – US$1.6 million

Sprout Solutions is a Philippine-based human resource and payroll systems startup co-founded in 2015 by husband and wife Patrick and Alex Gentry. Sprout simplifies HR and payroll processes of companies and likewise does artificial intelligence and predictive analytics related to HR. The company raised $1.6 million last April in a seed round led by Kickstart Ventures, along with Wavemaker Partners, Beenext, and one private investor.

SCI Ventures Inc – $1 million

SCI Ventures Inc, more commonly known as Satoshi Citadel Industries, is a virtual currency-licensed company in the Philippines and active supporter of blockchain technology.

SCI started in 2014 and is now the holding company for bitcoin technologies Rebit.ph, Buybitcoin.ph, Bitmarket.ph, Prepaidbitcoin.ph, Bitbit.cash, including Keza, and Lifebit. SCI Co-Founder and CEO John Bailon said the company has raised over $1 million in different funding rounds, the latest of which was a seed round funded by K Venture Group (KVG), the investment arm of South Korea internet company Kakao Corporation.

Qwikwire – US$1 million

Qwikwire is a cross-border payments platform for enterprises in the Philippines launched in 2013 focusing on connecting customers and buyers directly to property developers. The startup has lately been developing a blockchain-powered platform designed to allow property developers to list their properties to international buyers. Qwikwire has already raised $1 million in seperate funding rounds backed by 500 Startups, JFDI, Manila Angel Investors Network, First Asia Venture Capital, and Cerebro Labs. Qwikwire now attempts to raise $15 million in its ICO token sale.

Loansolutions.ph---Undisclosed figures

Loansolutions as a fintech startup claims to have the largest network of lenders in the Philippines. The company started in 2014 facilitating access to credit for different financial needs by connecting borrowers to multiple lending partners in single online loan application. Loansolutions have raised “substantial amount” of seed funding supported by KK Fund, and Kickstart Ventures in 2015, and also by Future Now Ve ntures in the following year.

Pawnhero ~US$ 10 million

Pawnhero is a licensed pawnbroker in the Philippines and the first digital pawnshop in Southeast Asia founded in 2014 by David Margendorff. He declined to disclose the company’s total funding although its latest publicly announced round was a pre-Series A led by the SoftBank-affiliated and Philippine-focused Kaikaku Fund, backed also by 500 Startups, and IMJ Investment Partners. In August 2017, Margendorff disclosed that PawnHero has closed a $9.7 million financing deal with a Philippine investment bank, which he also declined to name.

Pitaca Digital Services (PDS)

Pitaca Digital Services (PDS) is a local retail payment solution company and developer of iRegalo, a mobile platform designed to cater to the “online Filipinos remittance market”. iRegalo allows overseas Filipinos to send gifts or electronic gift certificates (EGCs) to family and friends anywhere in the Philippines directly from their mobile phones or computers. PDS in 2016 received an undisclosed amount of funding from individuals connected to private equity, venture capital, and private debt firms.


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