Startup profile · funding coverage
Atome Financial funding, valuation and investors
SEA digital lender (BNPL, cash loans, cards) — Grab agreed to buy 60% for $1.49 billion cash; close targeted Q3 2027, not completed.
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Funding, valuation & investors
Answer-first snapshotLatest funding
Not publicly disclosed
Latest known valuation
Not publicly disclosed
Total disclosed equity funding
Not publicly disclosed
Excludes debt, grants, acquisitions, secondaries, and IPO proceeds.
Current status
private
Stage not recorded · Singapore
Overview
Atome Financial is the digital financial services platform of Singapore-headquartered Advance Intelligence Group (legal entity in the Grab deal: Neuroncredit Pte. Ltd.). Products include Atome BNPL, cards, insurance, savings and lending, plus Kredit Pintar in Indonesia. Grab’s September 15, 2026 release says Atome operates in Singapore, Malaysia, the Philippines, Indonesia and Thailand (Thailand via a minority joint venture) and cites 25 million cumulative transacted users and more than 30,000 brands. Gross loan portfolio of $1 billion is an unaudited company figure as of the six months ended June 30, 2026. Institutional funding partners named in the same release include Standard Chartered, HSBC, Bank Jago, DBS, SMBC, BlackRock, Evolution X Capital and InnoVen Capital — those are lending/funding partners, not the equity syndicate for this sale. Grab agreed to acquire 60% for $1.49 billion cash (not closed; Q3 2027 target). Phase 2 would buy the remaining 40% about two years after Phase 1 on a formula with a $2.0 billion floor and $4.5 billion cap. This is not a priced venture round.
Why Atome Financial is interesting
September 15, 2026 company announcement: Grab will pay $1.49 billion cash for 60% of Atome Financial (Neuroncredit Pte. Ltd.), including $0.26 billion of primary growth capital. The platform claims 25 million cumulative transacted users and a $1 billion gross loan portfolio (unaudited, six months ended June 30, 2026). Advance Intelligence Group backers named: SoftBank Vision Fund 2, Warburg Pincus, Ares, EDBI —
Product & use cases
BNPL, consumer cash loans, BNPL cards and digital lending across five Southeast Asian markets.
- Checkout BNPL for merchants
- Consumer cash loans and cards
- Indonesia digital lending via Kredit Pintar
Key facts
- Sep 15, 2026: Grab agreed to buy 60% for $1.49B cash — not closed (Grab release)
- Company: 25 million cumulative transacted users; $1B gross loan book is unaudited H1 2026
- AIG backers named: SoftBank Vision Fund 2, Warburg Pincus, Ares, EDBI —
- Phase 2 remaining 40% uses a formula with $2.0B floor / $4.5B cap
Competitive landscape
Edge: Grab is paying $1.49 billion cash for 60% of a lender that prints a $1 billion unaudited loan book — diligence is credit quality and close risk, not whether BNPL exists in SEA.
This is a control sale into a public superapp, not a Series C. Do not stack the $1.49 billion against private BNPL rounds as if it were new primary venture capital.
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Grab Financial Services adjacent
Proposed acquirer of 60%. See /startup/grab. Product overlap is described by Grab as minimal.
Market / IPO context
Editorial / static context — not a live quote.
Related funding articles
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