Vietnam FinTech Startups

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Mobile Payment


1FINTECH is proud to be one of the leading units cooperating with the Bank and payment intermediaries in Vietnam to provide payment intermediary solutions: E-wallet – Payment gateway – Collection payment households. 1FINTECH operates business activities in many different fields, including: Electronic wallet, Payment gateway, Cash collection, Financial technology solution, E-commerce solution.



9PAY E-wallet & Payment Gateway provides innovative, appropriate payment platform, creating the safest and most convenient online payment environment


AirPay, our digital financial services platform, provides e-wallet services to consumers through our AirPay App and to small businesses through our partner-operated service counters, and AirPay counters.


Founded in 2015, AppotaPay provides payment solutions to the digital entertainment industry. The firm has amassed over 55 million users, together with 1,000 direct point-of-sale (POS) and 10,000 indirect POS systems.


Bao Kim is a subsidiary of, and is an online payments gateway ala PayPal for online payments and mobile money transfers. It is used in both offline retail shops and for e-commerce businesses.


Dibee is an online platform accessible from any device where you can manage your fleet expenses and make secure, simple e-payments. It works for everyone from drivers to fleet managers, finance departments and owners with data accuracy, transparency and simplicity of use.


Electricity and Telecommunications Payment Solutions Joint Stock Company (ECPay)Electricity and Telecommunications Payment Solutions Joint Stock Company (ECPay), a payment services provider in Vietnam which operates the electricity bill payment gateway of Electricity of Vietnam.


Finviet was established in 2016 as a fintech company with B2B2C business model. We got the payment license (payment gateway, e-wallet, money collection & disbursement) which authorized by State Bank of Vietnam. We try to build a technology ecosystem to connect services providers, brands, banks to the retailers/merchants.


PAY FPT offers fast and secure payment for FPT Internet and Television services by QR codes, domestic cards of 38 banks and 4 international branded cards: Visa, MasterCard, JCB and American Express issued in Vietnam.


GPay, a member company of the Vietnam investment firm G-Group, has a supportive ecosystem from G-Group with above 20 million users of financial platforms, game community, social network and technology companies.


ICOM is a leading provider of mobile services and a strategic partner of major mobile operators and corporations around the world.


mocaMoca mobile payment application helps users make safe and convenient payments with Visa / Mastercard / JCB / ATM cards, taxi cards, and Moca e-wallet.


MoMoMomo offers a mobile e-wallet that can be used to pay bills, transfer money recharge phone accounts, book tickets, shop, watch movies, and eat –out, and more. One of the most widespread payment apps, Momo works with 24 local banks and with international networks such as Visa and Mastercard.


mPAYvn – Convenient and safe payment solution


mPOS Vietnam is a point of sale company that belongs to NextTech Group of Technopreneurs. It is integrated with 20 local and international banks and 6 card organizations such as Visa, Mastercard, and Discover.


National Payment Corporation of Viet Nam (NAPAS), a provider of financial switching services and electronic clearing services in Vietnam. NAPAS is currently administering and operating a switching system interconnected more than 18,600 ATMs, 261,000 POS machines and 300 electronic payment companies in the fields of aviation, telecommunication, hotel industry and tourism, and serving over 100 million cardholders of 48 domestic and international commercial banks operating in Vietnam.


NextPay allows a customer to pay by a variety of methods such as card, contactless and QR code by providing a merchant with a pocket-size mobile point of sale device which connects with a smartphone. It has 70,000 merchants in Vietnam and aims to increase the number to 300,000 by 2023.


NganLuongNganLuong has 2 main solutions; a business-facing payment solution, and a user-facing e-wallet. It is a JV between MOL AccessPortal Co., Ltd, and Peacesoft Solutions Corporation. Launched in 2009, it was later acquired by MOL in 2013.



OnePay is one of the earliest attempts in the e-commerce scene in Vietnam. Unlike other payment applications, OnePay does not offer consumer-focused solutions. OnePay provides payment processing/gateway, and merchant services for over businesses across multiple industries.


PayME Technology Joint Stock Company was established in November 2010, is a pioneer in Vietnam in the field of developing digital content services on mobile phone platforms.


Payoo is an intermediary payment service catering to e-commerce websites.  It offers two complementary solutions: a digital wallet that consumers use to pay for items and an e-wallet that allows businesses to accept online payments. It is integrated with 35 banks, and is partnered with more than 7000 offline POS in Vietnam.


PayTech’s goal is becoming one of the strongest companies in the online payment industry to promote the development of the company’s products and services in particular and of VietnamNet ICom in general.


SmartPay Vietnam

SmartPay is a mobile payment application owned by SmartNet. SmartNetspecializes in providing financial and insurance services: introducing, consulting credit products for personal consumer loans and insurance. With fast and simple service, nationwide sales system, SmartNet has met the needs of customers nationwide.


TrueMoney is the leading fintech company in Southeast Asia and a financial services arm of CP Group, one of the world’s leading conglomerates, and is operated by Ascend Money, a partner with Ant Financial – the world’s largest fintech company.


Ting is an online mobile payment app (also known as Ting e-wallet) that helps users manage money and spend more effectively. Ting Wallet is a product of Vidiva Technology Joint Stock Company.


ViettelPay was launched by military-run telco provider Viettel and its subsidiary company called Viettel Digital Services Corporation (VDS) is focusing on developing a digital ecosystem. The company has been tasked to develop a mobile money service targeted at people in rural and remote areas that would allow users to transfer and receive money, as well as make payments via their smartphones.


Vietnam Mobile – Based Services Company Limited (VIMASS), is a fast-growing mobile communications service operator in Vietnam launched in 2009.


Vimo was founded by veterans of the payment and digital industries. It provides a mobile wallet for transactions. Vimo is a co-branded product of MobiFone.


With the guiding principle of human power and technology as the foundation, comprehensive deployment Vinatti services payment at the counter and provide electronic ID card solution helps businesses maximize the power of technology and the Internet in the development of business.


Vingroup’s loyalty program VinID has been permitted to operate e-wallet services, furthering the private conglomerate’s foray into cashless payment.


VNPayVNPay is a B2B financial services company that provides banking, payment and mobile phone recharge solutions for banks, telcos and e-commerce businesses. It recently expanded to provide QR-code payment gateways for e-commerce and traditional retail stores.


VNPT Electronic Payment JSC (VNPT EPAY) is one of Vietnam’s leading companies providing electronic payment services, was founded by Vietnam Posts and Telecommunications Group (VNPT) and VMG Media Group and other reputable shareholders.


VNPT Pay is an electronic payment platform of Vietnam Posts and Telecommunications Group.



VTC Pay is an e-payment platform from VTC, one of the largest multimedia firms in Vietnam. It offers both personal and enterprise payment solutions. On the consumer side users can recharge mobile phones, and conduct transfers and withdrawals. It also offers core enterprise products for integration with mobile, website, SDK, and QR codes for businesses.



E-wallet WebMoney Vietnam help customers access online payment services globally. The product allows customers to pay electricity and telephone bills, do the online shopping and transfer money. Customers can also use the product to withdraw money at banks associated with VNO or WMV agents.


WEPAY Payment Services Company Limited, a payment gateway provider.


Zalo Pay is a product launched by VNG Corporation, and was developed on Zalo – the country’s most popular SNS tool used by over 70% of the population. ZaloPay can be used to make money transfers 24/7, pay for items at counters, pay bills, recharge phone balances and send money as gifts.


ZingPay is an extended feature of the integrated platform – Zing, developed by VNG. It was built in 2010 and is for all online payment transactions in the Zing community, especially ZingPlay – A gaming tool. The money in the community is called Zing Xu. This is a base of 123Pay development later.

p2p Lending


ATM Online is a fintech company, implementing the proven online personal lending business model to huge and unpenetrated markets of South-East Asia. The project is run by top level professionals combining experience in mature markets with deep understanding of local peculiarities.


Avay focuses on unsecured loans of up to 80M VND (~$3.5k). The company does not require assets, proof of income, and enables users to avail of loans charging interest  rates of 2.33% to 5% on a loan period of 12-36 months.


An online marketplace that provides instant access to financial resources in Vietnam.


Doctor Dong provides a reliable financial solution consulting service and is a tool to connect customers with loan partners through simple, immediate procedures.


FiinFiin is another AI-based P2P lending platform that connects borrowers and lenders. One core guarantee that Fiin makes is the 100% payment of all loans made to the principal, regardless of whether the borrower defaults.


FinFan, a fintech company, is the trading name of eWAY, authorized by the Central Bank of VN (SBV) – No.973/GP-HCM License of Foreign Currencies Acceptance and Payment. It’s a B2B model as a One–Stop–Shop with fully loaded blockchain platform.


Finizi is a secure technology platform that helps users access referral loan services at a reasonable cost.


FinREI is the first real estate financial investment connection model in Vietnam. FinREI was born to help connect callers with investors in depth to solve problems of capital budgets in the real estate sector in a simple and transparent way.


FinSo is a financial and technology solution (Fintech Platform) that connects the project owner with the investor through a split real estate investment (Tokenization) with financial leverage supported by peer-to-peer loans (P2P lending).


GutinaGutina is a service that helps customers deposit money and transfer money to their accounts quickly without going to the bank.


Interloan.vnInterloan Vietnam – P2P lending platform enabling financial inclusion for Vietnamese citizens.


Kilimo Finance has developed a platform that helps farmers gain access to simple and quick bank loans to buy fertilizer and fertilizer. On the business-to-business (B2B) front, Kilimo Finance has developed high potential agri-loan products on a digital platform in combination with the Kilimo App.


MoneyBank – is a peer-to-peer lending platform. With a mission of creating pioneering digital finance services in Vietnam, we are proud to be a peer-to-peer lending platform that connects people across Vietnam.


Movi offers easy, simple and fast loans for a range of Commodity and Cash Loans to serve our customers. Typically, the first touchpoint for us to connect with our customers is through our factory relationships, to offer loans which are: easy, simple, fast.


ROBOCASH PTE LTD is a finance holding providing services on IT-consulting, IT-development and software engineering.


Tima is one of the first P2P lending platforms that launched in Vietnam. In addition to the basic lending platform, it also provides mortgage loan services and financial Advisory services to customers.


Vaymuon is an AI & Big-data platform that connects individual and SME borrowers to investors. The company operates both web and mobile apps, and utilizes a fanpage to serve users. Vaymuon is able to close loans in as fast as 30 minutes.


Vtien – Super-speed online money loan app is applied AI and BIG DATA technology in the process of processing loan application and loan disbursement

Bitcoin / Blockchain


Axie Infinity is a game centered around collecting, raising, and battling fantasy creatures called Axies. Axies come in many forms: they can resemble cats, birds, and fish while some might even have dragon genes hiding in their DNA.



Developing  AI aplications, iOS, Android apps, websites and games.



Bigbom is a decentralized advertising ecosystem that aims to use smart contracts to solve crucial problems in today’s advertising industry.


Bitcoin Vietnam Co. Ltd., a Vietnamese Bitcoin startup founded in late 2013, is aiming to bring world-class Bitcoin technology to the Vietnamese market. Due to the international composition of the current team with strong ties to some of the world’s leading Bitcoin spaces (Germany, Israel, Singapore), Bitcoin Vietnam Co. Ltd. will be able to provide cutting-edge technology on an international standard regarding usage of the Bitcoin technology in Vietnam.


Cash2vn is Vietnam’s leading Bitcoin startup to bring fast and easy access to the global Bitcoin economy to the Vietnamese market. Cash2vn aims to provide a comparable service at a significantly lower rate by the superior process that the Bitcoin platform enables. Cash2vn delivery options currently include forwarding to all local bank accounts with additional cashout options (also suitable for residents / travellers without a local bank account) being added over the coming months.


Fiahub is a platform that allows users to buy and sell cryptocurrency using local fiat currencies easily and instantly. Fiahub offers cross-platform trading via website, mobile app, providing access to high liquidity orderbook for top currency pairs on the market. Instant Bitcoin buying and selling are available via a simplified interface.


Scalable and interoperable blockchain platform for decentralized application


KyberNetwork  is a system that allows the exchange and conversion of digital assets. They offer payment APIs and a contract wallet that also allow users to seamlessly receive payments from any tokens. KyberNetwork also enables derivative trading.


Facilitate global adoption of cryptocurrencies by providing innovative blockchain solution for storing, swapping and spending digital assets.



Remitano offers escrow trading, which gives both buyers and sellers an added layer of security and fraud protection. That in itself differentiates itself from the large majority of its peers in the industry with focusing on the friendly online support 24/7, simple and efficient UI/UX to make for a user-friendly exchange, boasts high processing speeds for deposits and withdrawals in the industry.


TomoChain is a public blockchain promising faster and cheaper transactions designed to support decentralized applications. TomoChain relies on a system of 150 Masternodes with Proof of Stake Voting (POSV) consensus that can support near-zero fees and two second transaction confirmation time. After two years of research and development, TomoChain launched its mainnet on December 14, 2018. The startup raised US$8.5 million in its initial coin offering (ICO) earlier this year and is backed by several well-known investment firms like Signum Capital, Connect Capital and 1KX.



Utop is a product of Utop Technology Joint Stock Company – Member of FPT software company. Utop officially operated from 12/2018, and is on track to become one of the leading brands in the field of Earn points – Gifts.

VBTC Bitcoin

vbtcVBTC, a project of startup Bitcoin Vietnam, is taking aim at the unbanked population and will enable users to deposit and withdraw cash from more than 9,200 locations across Vietnam. Verified users enjoy instant bitcoin deposits, which enable them to trade without keeping funds on deposit at all times at VBTC.



VeriChains Lab has a world-class team of researchers and developers with extensive research and development expertise in the areas of security, cryptography and blockchain technology. We offer trusted and secure blockchain services such as smart contract code development and audit, blockchain development, cryptocurrency wallet, exchanges and ICO consulting services.


vinexDynamic & fast-growing crypto exchange that offers high performance trading, extensive APIs, superb support & more..

Point of Sale (POS)


beposbePOS is a company specializing in consulting management solutions for chain stores


D_Corp R-KeeperDCORP R-KEEPER Vietnam Company, founded in 2007 based on the desire for bringing a brand name R-Keeper inherently well- known in Russian and European market in the field of solution system for Hospitality & Retail Management


hottabHottab is a startup that offers a new solution for point-of-sale (POS) management for F&B business. Hottab provides service tablets and a POS system for food and beverage (F&B) businesses. A cloud-based system connects all devices using Hottab. It includes an application installed on tablet devices that allows waiters to create new orders. It also enables customers to self-order at the table.


ibox mPOS servicesibox, in South-East Asia and Russia, set to revolutionize the global payments market. With ibox solution, merchants accept credit and debit cards, using their smartphones or tablets, in a simple, secure and cost-effective way. ibox expanded into 5 countries across South-East Asia. The company has major offices in Hong Kong, Hanoi, Bangkok, Jakarta and Moscow.


loopLOOP is an internet company that was founded on the vision that everybody in the F&B and retail business should have access to the best tools to manage and grow their business.


OchaOcha is the platform of choice for all small and medium businesses in food and beverage industry, connecting and helping everyone to grow and succeed in the economy.


SAPOSapo is providing retail businesses with an overall sales and management platform from online to offline with Sapo POS – Software for sales management, Sapo Web – Solution for website design, Sapo Social – Fanpage management and sales software and solutions to manage and sell goods from Online to Offline – Sapo Omnichannel


SpeedPOSSpeed POS has grown steadily since launching as one of the first POS providers to enter the market.



betadoBetado was founded at first to fundraise an episode and a volume of a book called “Truyền thuyết Long Thần Tướng”. It later expanded and became one of the first crowdfunding sites in Vietnam, but has chosen to focus on artistic projects only.


Comicola is a crowdfunding platform in the cartoon industry. The company has its own website and a distribution system which is teeming with activities to engage young artists, writers, and readers. Comicola, which also offers courses in applied comic art in Vietnam, has forged increasing partnerships with local artists and comic illustrators.


Fundstart is a crowdfunding platform that aims to support local startups. The platform incubates projects of various sizes, and in different areas such as tech, music, art
and others.


Payoo is an intermediary payment service catering to e-commerce websites.  It offers two complementary solutions: a digital wallet that consumers use to pay for items and an e-wallet that allows businesses to accept online payments.  It is integrated with 35 banks, and is partnered with more than 7000 offline POS in Vietnam.


Vietnam Fundme Technology Joint Stock Company is a dynamic and experienced team in the fields of finance, technology and a team of consultants and media who know a lot of different areas and specific markets. We develop and continually improve our Community Funding platform (Crowdfunding platform), in parallel with expanding our partnerships, connecting Funds, Businesses, Organizations, Groups, Associations, Communities and Fishes.

Wealth Management


Finhay, a wealth management startup that enables users to invest in mutual  funds through a machine-learning algorithm. Finhay currently has more than 13,000 accounts  on its platform, and allows users to make a minimum investment of $2.30 USD.

FINHOME is a proptech and fintech platform that currently operates under Crowd-Financing model, which focuses on mortgage and property-related financing in Vietnam. FinHome help homebuyers and real estate entrepreneurs to access funding transparently and timely, while creating sustainable and profitable investment opportunities for accredited investors.


Kiu is a trusted e-commerce global trading platform which is supported by a project named Business Initiative Mekong of Asian Development Bank (ADB) and Government of Australia. Kiu Platform provides high – quality services including Kiu MARKET


Money Lover is a personal finance management tool that helps users consolidate cash flows and accounts into one simple app. Users can track expenses, input inflows and outflows of money, and understand their spending habits. The app has more than 230k+ downloads.


Movi offers easy, simple and fast loans for a range of Commodity and Cash Loans to serve our customers. Typically, the first touchpoint for us to connect with our customers is through our factory relationships, to offer loans which are: easy, simple, fast.


mPAYvn was founded on 8th December 2008, the three founders agreed to develop and build a secure messaging service for mobile phones with sufficient security and ease of use to be used for payments and banking.


Information portal and professional investment knowledge


WowMelo strives to reduce frictions in e-commerce economy through financial solutions

Credit Scoring / Data Management


algoplatformAlgo Platform is a tool for securities investors to analyze market data at a micro and macro level, conduct technical analysis, filter stocks, simulate algorithms and investment views, and backtest formulas.


Compliy is a global Regtech100 company and an end-to-end regulatory change management platform for financial institutions in APAC. It contains APAC’s leading AI Regulatory Assistant, and boasts the largest open database of APAC financial regulations.


FiinGroup is a business provider of information that includes reports on companies, industries, M&A, and market entry insight. It also sells an app-based platform called FiinPro which is a financial database and analysis tool for finance professionals and FiinTrade, a trading information and analytics platform for brokers, investors and traders in Vietnam Stock Market.


MyCredit is a free credit scoring platform that helps users know their personal credit scores and find suitable financial products.


PCB was formed by 11 commercial banks in Vietnam, with the support and advice of International Finance Corporation (IFC), PCB officially selected CRIF – the leading provider of credit information solutions in Europe – as its strategic partner, CRIF started the cooperation with PCB by delivering the Credit Bureau platform and covering the role of strategic partner.


TrustingSocial is reinventing credit scoring based on social, mobile and web data. Marketplace lending is disrupting retail banking by leveraging propriety Big Data credit scoring technologies.

They make their TrustingSocial Authenticity Score available for free to everyone in the world, so that they can build trust instantly with each other.

Comparison Sites


eBaohiem is the immediate provider of insurance services in the Vietnam market. We are proud to be the first in Vietnam introducing the online insurance quote website in 2010.


GoBear is Asia’s first and only metasearch engine in financial products. It was founded based on the simple premise that a consumer should find freedom and ease in choosing complex financial products like insurance, credit cards and loans. Headquartered in Singapore since early 2015, GoBear has continued to expand in Malaysia, Philippines, Thailand, Indonesia and Vietnam.


SmartBuddy is an online retail platform for finance and insurance products enabling consumers to compare, select and purchase the best products on the market.


TheBank is the fintech platform of Samo Media & Tech JSC. It provides a market place that compares and sells financial products: credit cards, loans, mortgages, savings, and insurance. It claims to serve more than 1M customers.

TOPBANK.VN – A reputable financial consulting and comparison website in Vietnam

Digital Banking


Timo Plus is a new digital bank to help you on your journey to financial freedom. In partnership with Viet Capital Bank, Timo Plus promises a private banking experience you’d expect from other banks, but without the hassle of maintaining a huge balance. Start planning for your future with a range of savings, investment and borrowing solutions.


Wee Digital creates new digital banking experience with user-centric designs, biometric security technology and deep data analytics.

SMEs Financing


eLoan is a peer-to-peer (Crowdfunding) lending marketplace that allows investors to lend money directly to small and medium-sized enterprises (SMEs) in Vietnam. We focus purely on serving SME clients with short-term loans. Businesses can borrow up to approximately $250K for up to 12 months.


We established Dragonlend with the desire to help small and medium-sized enterprises in Vietnam to access business capital efficiently and quickly, facilitating operations as well as the prosperity of businesses.


Established in 2013, Kim An is a fintech platform that bridges the gap between institutional funding and micro, small & medium businesses (MSME). Powered by our data center of over 1 million+ Vietnam household enterprises, Kim An brings financial inclusion to under-served businesses.


LendbizLendbiz leads the way in supporting capital for Businesses / Households through calling capital from the investor community.


Validus is an online financing marketplace designed to help bridge the cash flow gap small and medium businesses face. Adept at assessing SME credit enabled by our sophisticated risk algorithm and extensive SME experience in Singapore, our innovative platform and experience allows us to extend better financing solutions to the underserved SMEs in Vietnam.



INSO is an insurance application on a mobile device. We would like to reduce the time and tasks in terms of requesting the insurance for customers. Therefore, enhancing the customers’s awareness in terms of insurance’s benefit and incresing the propotion of signing the insurance of Vietnamese people.


OPES Insurance Joint Stock Company was established in 2018 with the ambition to become a pioneer in digital insurance, providing insurance products that integrate technology, enhance user experience, bring to the face new for the domestic insurance market and international reach.


Insurance reimagined. Vietnam based, technology company aims to bring insurance accessible to everyone.


Save Money is one of the leading intermediary company that provides digital financial services, catches up with consumer trends including banking, card payment, investment and insurance. We present new ways for consumers to directly access to financial services: aggregated web, social media and mobile apps.


Wicare is a digital insurance broker that rewards you for exercise.

Submit Your FinTech Startups

Vietnam FinTech Startups 2019




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Asia Fintech Startup Directory