Follow us
Follow usSingapore has become one of Asia's leading financial technology hubs, attracting startups that are changing how people save, invest, transfer money and access financial services. With strong digital infrastructure, a supportive business environment and growing interest in financial innovation, the country continues to develop new fintech solutions for consumers and businesses.
From digital banking and cross-border payments to artificial intelligence-powered investing and blockchain-based financial services, Singapore's fintech ecosystem covers several areas of modern finance.
Top 10 Fintech Startups in Singapore – 2026
| No. | Company | Main Business |
|---|---|---|
| 1 | bolttech | Digital insurance distribution and embedded insurance solutions |
| 2 | GXS Bank | Digital banking, savings accounts and consumer financial services |
| 3 | Tazapay | Cross-border payments, payment gateways and escrow services |
| 4 | Zoth | Blockchain-based finance, stablecoins and real-world asset tokenisation |
| 5 | SynFutures | Decentralised derivatives trading and DeFi infrastructure |
| 6 | RockFlow | AI-powered investing and digital investment services |
| 7 | Chocolate Finance | Digital savings, personal finance and wealth management |
| 8 | Surgepay | International remittances and cross-border money transfers |
| 9 | Kyo Finance | Decentralised exchange and digital asset liquidity solutions |
| 10 | UXUY | Web3 financial services, cross-chain trading and decentralised finance |
1. bolttech
bolttech is a global insurtech company that uses technology to make insurance products easier to access and manage. Founded in 2020, the company focuses on connecting insurance providers, distribution partners and customers through a technology-enabled insurance platform.
Its platform allows businesses such as retailers, telecommunications companies and device manufacturers to offer insurance and protection products directly to their customers. This approach, known as embedded insurance, allows consumers to purchase protection while buying products or services.
2. GXS Bank
RECOMMENDED FOR YOU
GXS Bank is a digital bank in Singapore backed by Grab Holdings and Singtel. It aims to make banking services more accessible to everyday consumers and small businesses through mobile technology.
Unlike traditional banks, GXS operates through a digital platform, allowing customers to manage their financial activities without visiting physical branches. Its services include savings accounts, credit products and digital payment solutions.
One of its key offerings is the GXS Savings Account, which provides daily interest and digital money management features. Customers can also access products such as FlexiCard and FlexiLoan through its mobile banking platform.
3. Tazapay
Tazapay is a Singapore-based fintech startup founded in 2020. It focuses on simplifying international payments for businesses, particularly those involved in cross-border e-commerce and digital services.
International transactions can involve high fees, complicated banking processes and payment security concerns. Tazapay addresses these challenges through a payment infrastructure that helps businesses collect and transfer money across different markets.
Its solutions include payment gateways, payment links and escrow services. The escrow solution helps protect buyers and sellers by supporting secure transactions and payment release arrangements.
Tazapay provides access to local payment methods in more than 85 markets, alongside card payment coverage across over 173 markets. Businesses can integrate its payment infrastructure through a single API.
4. Zoth
Zoth is a financial technology company building blockchain-based financial infrastructure that connects traditional finance with decentralised finance (DeFi).
The company focuses on real-world assets (RWAs), stablecoins and digital financial products. Real-world asset tokenisation allows financial assets such as government securities and trade finance instruments to be represented digitally on blockchain networks.
Zoth is developing a stablecoin-focused financial ecosystem that brings together payments, liquidity, financial products and digital asset management. Its platform also focuses on making institutional-style financial opportunities more accessible through blockchain technology.
One of its key areas is yield-generating products backed by real-world financial activities. The company aims to provide transparent financial infrastructure for individuals, businesses and institutional participants.
5. SynFutures
SynFutures is a blockchain-based trading platform focused on decentralised derivatives and digital asset markets. It allows users to trade financial products without relying on traditional centralised exchanges.
The platform supports perpetual futures and other on-chain trading products. Its technology is designed to make market creation and trading more accessible through decentralised infrastructure.
One of its major innovations is the Oyster Automated Market Maker (AMM), which helps improve liquidity management and supports permissionless market listings. This model allows users to participate in markets while maintaining control over their digital assets.
6. RockFlow
RockFlow is a Singapore-based AI fintech company focused on making investing simpler through artificial intelligence and digital investment services.
The company aims to provide an all-in-one investment experience for younger investors and people looking for easier access to financial markets.
Its platform supports investment products such as US stocks, Hong Kong stocks, options, exchange-traded funds (ETFs) and mutual funds.
RockFlow uses artificial intelligence, machine learning and other technologies to improve the investment experience. These technologies help users access financial information, explore investment opportunities and make decisions through a simplified digital interface.
7. Chocolate Finance
Chocolate Finance is a Singapore-founded fintech company focused on helping individuals manage their savings and make better use of their available money.
The company was founded by Walter de Oude, who previously established Singlife, a Singapore-based insurance and financial services company.
Chocolate Finance provides a digital platform designed to help users manage their spare cash and access investment-linked returns without the traditional complexity of financial products.
Its approach focuses on offering a simple user experience, flexible access to money and opportunities to earn returns on savings.
The company has attracted investment from well-known investors, including Peak XV Partners and Prosus.
8. Surgepay
Surgepay is an emerging fintech platform focused on making international money transfers simpler through messaging applications.
The company is building a WhatsApp-first remittance service designed to help people living abroad send money to their families and bank accounts in India.
Its platform aims to reduce the complexity of traditional international transfers by allowing users to initiate transactions through a familiar messaging interface.
Users can enter the transfer amount, complete identity verification, connect their banking information and confirm payments through the platform's process.
Surgepay highlights features such as zero transfer fees, exchange rates matching Google rates and quick international transfers. Its current live corridor is between the United States and India, while Singapore–India and other international corridors are listed as upcoming markets.
9. Kyo Finance
Kyo Finance is a decentralised finance protocol designed to improve digital asset trading and liquidity management.
The platform operates on the Soneium blockchain and focuses on decentralised exchange services. It allows users to exchange supported digital assets through liquidity pools without depending on traditional financial intermediaries.
Kyo Finance uses a vote-escrow decentralised exchange model, allowing token holders to participate in governance and influence liquidity incentives.
10. UXUY
UXUY is a blockchain-based financial technology platform focused on simplifying decentralised trading and improving access to digital financial markets.
The company aims to make blockchain-based financial services easier for users who may not have experience with traditional cryptocurrency platforms.
UXUY provides a stablecoin-focused trading experience that brings different digital assets and markets into a single interface. Its platform supports cryptocurrency trading, perpetual contracts and access to tokenised financial assets.
One of its important features is gasless trading technology, which helps reduce the complexity of blockchain transactions. It also uses cross-chain infrastructure to allow users to interact with different blockchain networks without manually managing multiple bridges and wallets.
Conclusion
Singapore's fintech ecosystem continues to develop across digital banking, insurance technology, international payments, investment platforms and decentralised finance. The 10 companies featured in this article represent different areas of financial innovation, each addressing specific challenges in how people and businesses access and manage money.
Companies such as bolttech and Tazapay are improving insurance distribution and cross-border payments, while GXS Bank and Chocolate Finance are developing digital financial solutions for consumers.
Meanwhile, Zoth, SynFutures, Kyo Finance and UXUY are exploring blockchain-based financial infrastructure, and RockFlow is bringing artificial intelligence into investing.
FAQs
1. What are the top 10 fintech startups in Singapore in 2026?
Some of the notable fintech companies in Singapore in 2026 include bolttech, GXS Bank, Tazapay, Zoth, SynFutures, RockFlow, Chocolate Finance, Surgepay, Kyo Finance and UXUY.
2. Why is Singapore a leading fintech hub in Asia?
Singapore has a strong financial ecosystem, advanced digital infrastructure, supportive government policies and a business-friendly environment. These factors attract fintech startups working in digital banking, payments, blockchain and financial services.
3. What services do fintech startups in Singapore provide?
Fintech startups in Singapore offer services such as digital banking, cross-border payments, insurance technology, AI-powered investment platforms, digital savings, cryptocurrency trading and decentralised finance solutions.
4. How is AI and blockchain transforming Singapore's fintech industry?
AI is helping fintech companies improve investment services, financial analysis and customer experiences. Blockchain is supporting decentralised trading, digital asset tokenisation, faster transactions and new financial products.
Recommended Stories for You
Team SR Dec 29, 2025
Nguyen Minh Dec 26, 2025
Nguyen Minh Dec 26, 2025
Yan li Jan 2, 2026
Team SR Dec 29, 2025
Trending Stories
China lifts ban on Boeing deliveries after Trump’s tariff deal
Top 10 Strongest Currency in Asia 2025
Best Startup Industries In 2026
Top 10 Fintech Startups in the Philippines to Watch in 2026
Leading Asian Healthtech startups in 2026
Ather Energy Shares Surge 2% on Strong Market Debut in India
How to Choose the Right VC for Your Startup
Hua Hong and SMIC Shares Drop Sharply Amid Rising U.S.-China Tensions