Top Fintech Startups in Philippines in 2025

We’re tracking FinTech startups like PayMongo, InvestEd Philippines, and other innovative FinTech companies in the Philippines.

FinTech is a key segment of the finance industry, which ranks as the third most popular industry and market group. If you’re curious about the finance market, explore leading blockchain, banking, insurance, accounting, and financial services companies.

FinTech Startups Shaping the Philippines in 2025

Here is the list of the Best FinTech Startups in the Philippines in 2025

1. PayMongo

PayMongo is a leading FinTech startup in the Philippines, developing products and tools that enable individuals and businesses to facilitate online payments. We support various payment methods, including credit and debit cards, electronic wallets, and over-the-counter transactions. Our team creates comprehensive APIs, plugins, and additional products designed to simplify the payment process for users, allowing them to set up operations and focus on their business activities quickly. Our esteemed investors include Founders Fund, Peter Thiel, Bedrock Capital, and Stripe.

2. InvestEd Philippines

Banks primarily lend to upper-class adults and still require collateral. FinTechs have stepped in to serve the middle class, but the market has become oversaturated, with everyone using the same risk management approach. This strategy, however, still doesn’t work for the lower class. Microfinance has traditionally addressed this gap, but its legacy model mainly caters to the older generation. There are 30 million young people who need loans for education, but since students have different financial needs than adults, the current loan products and risk models don’t fit. This leaves students with two choices: drop out or turn to loan sharks.

3. First Circle Philippines

First Circle, founded by Patrick Lynch and Tony Ennis, is a leader in Financial Technology (FinTech) focused on empowering Small and Medium Enterprises (SMEs) in emerging markets. The company provides financing for business-to-business (B2B) trade transactions, giving these businesses more straightforward access to the financial services they need to grow. First Circle believes that companies with strong potential should have access to capital based on merit and not be held back by a lack of collateral or connections.

4. PDAX

PDAX is a digital platform for trading cryptocurrencies, enabling users to buy, sell, and manage various digital assets, including utility tokens. It supports popular cryptocurrencies such as Bitcoin, Ethereum, Ripple, Bitcoin Cash, and Litecoin.

5. BUNCH — A modern outsourcing house

BUNCH is a contemporary outsourcing partner tailored for high-growth tech companies. With years of experience scaling tech businesses, we set out to create the outsourcing house we always envisioned. In today’s landscape, it’s not just about cutting costs—it’s about delivering professional services that genuinely enhance the scaling journey.  

Our culture is built to thrive in the dynamic, ever-evolving world of tech. We are FAST, FLEXIBLE, and SCALABLE, ensuring we meet the unique needs of our clients. At BUNCH, we empower our specialists to grow alongside our clients, fostering a diverse and inclusive environment. Operating with a flat structure, we maximize individual talent to drive success for our team and partners.

6. Eplayment

We’re building a payment and banking platform for the creator economy in the Philippines.  

We launched our payment gateway, processing local payment channels widely used by gaming and entertainment platforms. Since 2020, we’ve handled over $40 million in payment volume. Our experience with gaming and content creators inspired us to develop products tailored to the creator economy.  

One of our key innovations is the Creator QR payment, allowing creators to embed a QR code in their streams or posts. Fans can scan it and send tips or donations using various payment methods.

7. Twala Inc

Twala is a blockchain network focused on secure digital signing and self-sovereign digital identity.  

Twala Sign ensures that every document is legally binding, verifiable, tamper-proof, and secure. Anyone can independently verify the authenticity of a Twala-secured document or identity anytime, anywhere—no need to rely on us for proof.  

Twala ID is a decentralized, privacy-first digital identity designed for Web 2.0 and Web 3.0. It’s built on the ERC725 standard and leverages zero-knowledge proofs for secure, consent-driven identity verification.

8. Peddlr.io

Peddlr is a free smart POS app designed to help micro and small businesses track sales and expenses and generate easy-to-understand accounting reports. The app also includes a digital product catalogue, letting customers order directly.

9. GCash

An app-based and card-linked wallet for consumers, it offers services such as money transfers, bill payments, remittance, wallet top-ups, QR-based payments, booking movie tickets, and more. The app is available on ios and Android devices.

10. Salmon

Salmon is a fintech company based in the Philippines that is focused on revolutionising financial services. It aims to provide accessible, innovative, and inclusive financial solutions to empower individuals and businesses. By leveraging technology, Salmon strives to bridge gaps in financial inclusion, offering products and services that cater to the evolving needs of the modern economy.

11. Coins

Coins.ph is a digital wallet for managing Bitcoin and other assets. It lets users transfer cash, pay bills, and recharge phones. Merchants can use it to accept payments for various goods and services. The platform also allows the buying and selling of Bitcoin.

Consultant

The Philippines’ FinTech sector is rapidly growing, driven by increasing digital adoption and a large unbanked population. For consultants, this presents many opportunities to guide startups in navigating regulatory frameworks, scaling operations, and leveraging cutting-edge technologies. 

Key focus areas include digital payments, lending, insurance, and blockchain solutions. Consultants can help startups tailor their offerings to meet local market needs, ensure compliance with Bangko Sentral ng Pilipinas (BSP) regulations, and secure funding. By understanding the unique challenges and opportunities in the Philippine FinTech landscape, consultants can play a pivotal role in shaping the future of financial innovation in the region.

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