The Monetary Authority of Singapore (MAS) has shortlisted 24 finalists for the SFF Fintech Excellence Awards 2026, with eight winners to be selected across six categories.
Jointly organised by MAS and the Singapore Fintech Association (SFA), with support from PwC Singapore, the awards recognise companies and individuals for their contributions to fintech innovation and the financial services industry.
Of the 24 finalists, 20 were shortlisted across five corporate categories, while four are competing for the individual Fintech Mentor Award.
An international panel of industry experts assessed the finalists. Corporate entries were evaluated on five criteria: impact, sustainability, practicality, interoperability, and uniqueness and creativity.
Fintech Mentor Award nominees underwent a separate assessment focusing on their work and contributions to Singapore’s fintech ecosystem.
The five corporate categories are Emerging Fintech, Financial Inclusivity, Regulatory Leader, Sustainable Innovator and Thematic – AI Champion.
Three individuals will also receive the Fintech Mentor Award.
AI is the thematic focus for 2026, with the AI Champion category recognising its applications in financial services. Each corporate award winner will receive S$50,000, while the three Fintech Mentor Award recipients will receive S$5,000 each.
Winners will be announced at the awards dinner on 19 November, during the Singapore Fintech Festival, which takes place from 18 to 20 November.
Corporates – Emerging Fintech Finalists
ContexQ
SarasW
SarasW is a cloud-native, graph-based risk intelligence platform that sits non-intrusively above an institution’s existing systems. It brings together internal data like KYC files, payment logs and product holdings with external sources such as sanctions lists, corporate registries and adverse media into a single entity graph.
Using a combination of Graph Neural Networks, Graph Transformers, XGBoost and community detection, it delivers real-time risk verdicts across fraud, AML, KYC/KYB and trade-based money laundering.
Analysts work from an interactive Network Evidence Canvas, receiving sub-second Go/Hold/Investigate verdicts and auto-drafted Suspicious Transaction Reports that are generated in under 15 seconds.
Weav8
Weav8 ParametricCore
Weav8 ParametricCore is an AI-native parametric insurance and finance platform that automates climate and supply chain risk underwriting.
It combines real-time satellite imagery, IoT sensor feeds and hyper-local weather data to evaluate complex parametric triggers, processing terabytes of geospatial data in milliseconds using edge computing and lightweight neural networks.
When a trigger is validated, smart contracts execute instant, trustless payouts in under 60 seconds. The platform has eliminated traditional claims friction, cutting operational overhead by 85% and protecting over S$1.2B in agricultural and infrastructure assets across Asia. It won the ITC Asia 2026 Award from a pool of 3,000+ regional entrants.
Working Ants Inc
Sera
Sera is a stablecoin-native foreign exchange settlement layer that lets users, businesses and financial institutions exchange currencies directly onchain.
By connecting regulated stablecoins through non-custodial liquidity infrastructure, transparent pricing and programmable settlement, it removes the need for multiple banks, intermediaries and USD conversion legs in cross-border transactions.
Instead, Sera enables direct stablecoin-to-stablecoin FX conversion, starting with Asian and emerging-market currency corridors.
Yuanli Technology Singapore Pte. Ltd.
FinAuth: AI-powered eKYC and identity fraud prevention platform
FinAuth is an AI-powered global eKYC and identity fraud prevention platform built for the era of deepfakes, synthetic identities and injection attacks.
Beyond standard document OCR and liveness detection, it evaluates identity risk across the person, device environment and verification process, defending against face swaps, replay attacks, camera hijacking and more. Its standout Visual Risk Detection turns face images into fraud intelligence by analysing surrounding context for high-risk environments, coerced verification and unusual patterns.
Trained on terabytes of global facial data across diverse populations, it serves 1,000+ enterprise customers, processes billions of API calls and blocks over one million identity attacks monthly across 200+ countries.
Corporates – Financial Inclusivity Finalists
Pilon Pte Ltd
Digital Anchored Supply Chain Financing Suite
Pilon flips traditional SME underwriting on its head. Instead of asking whether a supplier is creditworthy, it asks whether the invoice is payable by a creditworthy anchor. This single idea powers a suite of supply chain financing programmes.
Supplier Financing integrates with the anchor’s ERP to finance approved payables against the anchor’s investment-grade risk, with suppliers drawing funds in one tap via mobile. PO Financing extends credit upstream before goods are delivered.
Dealer and Retailer Financing serves distributors downstream. Green Financing routes suppliers meeting environmental criteria to preferential bank pricing. Every programme is deployed by a regulated bank, with Pilon acting as the origination, verification, pricing and disbursement layer.
Paymentology
Paymentology
Paymentology is a cloud-native issuer processing platform that helps financial institutions and fintechs launch and scale card programmes for underserved populations globally.
Supporting real-time transaction processing across 68 countries, it integrates with local payment rails including BancNet, Mada, M-Pesa and Jaywan to bring digital financial services to previously excluded communities.
By removing infrastructure barriers and enabling digital-first onboarding, it makes card issuance economically viable for high-volume, low-value transactions serving unbanked and underbanked individuals across Asia Pacific, Africa and Latin America.
Payoneer Singapore Private Limited
Payoneer (or Payoneer Global Financial Platform)
A global financial platform built for underserved SMBs, enabling them to transact and grow across borders through a single integrated stack.
Businesses can send and receive payments globally, hold and manage multiple currencies, access working capital, and manage accounts receivable and payable, all within one secure, compliant platform spanning more than 190 countries and territories.
TenPay Global Pte Ltd
TenPay Go: AI-Powered Cross-Border Payment Interoperability Platform
TenPay Global addresses the challenge international visitors face when their home payment methods and languages don’t travel with them.
Its “Easy Pay with Your Home Wallet” solution, built on China’s national Cross-border Interconnection Payment Gateway, connects international mobile wallets directly to hundreds of millions of Weixin Pay merchants.
AI is applied across QR-code recognition, transaction security and multilingual support to bridge differences in technical standards and payment habits.
Its app, TenPay Go, lets visitors pay with familiar methods like international bank cards and Apple Pay, and navigate everyday life through AI translation interpreting context from speech, text or camera across dining, transport and shopping.
Corporates – Regulatory Leader Finalists
AISG E-Commerce Private Limited
Project ICY
Ant International’s Project ICY is an AI-native AML investigations platform that reconstructs the entire suspicious transaction workflow, from intelligent triage to automated STR generation.
Powered by QORA, a multi-agent orchestration architecture, it operates across three tiers: an autonomous L1 Model Agent that handles well-defined alerts with source-linked conclusions, an L2 Investigation Copilot that augments human-led investigations with evidence assembly and network analysis, and an STR Report Agent that auto-drafts fully cited, validated regulatory reports.
Key differentiators include three-layer hallucination detection, end-to-end audit trails, AI Security Docker governance, closed-loop self-optimisation and modular multi-agent architecture, transforming AML from human-dependent to machine-led, human-governed operations.
AML Watcher
AML Watcher Compliance Screening and Monitoring Platform
AML Watcher is a compliance screening and monitoring platform that helps regulated institutions meet AML obligations without the false positive burden that makes most screening programmes costly.
It screens individuals, entities, vessels, aircraft and crypto wallets against sanctions, PEP, watchlist and adverse media data from 100,000+ proprietary sources updated every 15 minutes.
Its AI layer, TruRisk, separates genuine matches from name coincidences using unique identifiers and contextual risk indicators, returning an auditable justification for every decision rather than an unexplained flag.
Screening, ongoing monitoring, transaction monitoring and case management are all supported within a single audited workflow.
FinregE
FinregE Regulatory Operating System (FinregE ROS)
FinregE ROS is the world’s first end-to-end Regulatory Operating System that fully automates the compliance value chain. It combines AI-powered horizon scanning, digital rulebooks, regulatory obligations mapping, policy-to-controls linkage and compliance monitoring workflows in a single unified system.
Its AI regulatory expert, RIG (Regulatory Insights Generator), lets users converse with regulations, get instant summaries, map obligations and generate compliance action plans.
Processing over 3 million regulatory data points across banking, insurance, payments, capital markets and crypto assets, it covers multiple jurisdictions and regulatory domains in one platform.
MetaComp Pte. Ltd
StableX Network
MetaComp is a Singapore-headquartered, MAS-licensed Major Payment Institution building an interoperable financial platform for global payments.
Its StableX Network, launched November 2025, enables institutions and businesses to move, convert and manage capital across fiat and stablecoin rails within a single compliant Web2.5 architecture.
When SWIFT is not viable, stablecoins step in as an alternative, eliminating the need for separate providers for fiat settlement, stablecoin settlement and treasury management. Compliance and risk frameworks are built into every product line from the outset, accessible via AI agents, app, web or API.
Corporates – Sustainable Innovator Finalists
Climescape Private Limited (operating as Climes)
Climes (Carbon-OS and the Climate Finance Engine)
Climes is carbon compliance infrastructure for enterprises, delivered across two layers. Carbon-OS ingests operational, supply chain and product data to produce audit-grade Scope 1, 2 and 3 emissions figures traceable to source documents, mapped onto frameworks with legal deadlines including BRSR Core, CBAM, PCAF, SBTi, India’s Carbon Credit Trading Scheme and ISO 14067.
The Climate Finance Engine turns verified reductions into carbon credits and connects transition projects to capital. For financial institutions, it calculates financed and avoided emissions across loan and investment books using PCAF attribution.
A free Carbon X-Ray diagnostic lets any enterprise assess its exposure before committing.
Copecto GmbH
TIMBERCARD
TIMBERCARD is a premium payment card that replaces conventional plastic with FSC-certified wood and paper, combining a distinctive natural appearance with certified payment functionality.
It supports Visa and Mastercard applications, EMV chip technology, contactless NFC and dual-interface functionality, remaining fully compatible with established card issuing and personalisation processes.
The wooden surface can be customised through laser engraving and colour printing, giving banks the ability to create differentiated designs.
Designed as a commercially deployable alternative to conventional card materials, TIMBERCARD keeps the underlying payment experience familiar to both issuers and cardholders while changing the material.
ESGSAT
ESGSAT Orbit
ESGSAT Orbit is an AI-driven ESG verification and sustainable finance platform designed to eliminate corporate greenwashing. It fuses high-resolution multi-spectral satellite imagery with IoT telemetry to provide physics-based, real-time monitoring of environmental metrics, automatically mapping and verifying Scope 3 supply chain emissions, deforestation risks, water stress and methane leaks across Tier-1 to Tier-3 suppliers.
Orbit translates geospatial intelligence into standardised regulatory formats including ISSB (IFRS S2), TCFD and the MAS Singapore-Asia Taxonomy.
Integrating directly with corporate ERPs and bank loan management systems via API, it automates verification for Sustainability-Linked Loans and Green Bonds, transforming ESG self-reporting into auditable financial science.
Kubix Digital Asset Co., Ltd.
KUBIX Green Digital Asset Platform – Building Trusted Digital Infrastructure for Sustainable Finance
The KUBIX Carbon Credit Tokenisation Platform is Thailand’s first blockchain-enabled environmental asset ecosystem developed under the Bank of Thailand’s (BoT) Regulatory Sandbox.
Orchestrated by Kubix Digital Asset Co., Ltd. (an SEC-licensed ICO portal under the KASIKORNBANK Financial Conglomerate), this “beyond-banking” utility tokenises Thailand-Voluntary Emission Reduction (T-VER) credits onto the enterprise-grade, EVM-compatible Quarix Blockchain. Developed in a multi-stakeholder framework alongside Orbix Technology, the Thailand Greenhouse Gas Management Organization (TGO), and the Mae Fah Luang Foundation under Royal Patronage, the solution digitises the full lifecycle of high-integrity environmental assets from forest conservation initiatives into fractionalised digital investment tokens.
Corporates – Thematic (AI Champion) Finalists
bolttech
AI-enabled insurance distribution platform
Bolttech is an AI-native insurtech that has embedded predictive, generative and agentic AI across its entire insurance value chain, built around six pillars: Agentic Commerce, Intelligent Servicing, Data and Decision Intelligence, Autonomous Operations, AI-led Product Development and AI Ways of Working.
AI powers claims automation, customer retention, experience via its AWS-built GenAI Factory, and employee productivity through Microsoft 365 Copilot.
Beyond automation, bolttech is shifting insurance from protection to prevention through partnerships with LG Electronics for real-time industrial risk detection, Vyrd for climate and parametric risk, and global cyber protection solutions combining insurance with continuous threat monitoring and risk mitigation.
Igloo
AI Claims
AI Claims handles the full claims process for embedded and digital insurance through a conversational chat interface. Customers submit claims on their phone, where AI works through the incident, verifies documents against the policy and screens for fraud, closing most cases with a decision within the same conversation.
Remaining cases are passed to a claims officer with documentation already prepared. The solution is live across Indonesia, Malaysia, the Philippines and Thailand, covering fifteen partner-product deployments across wallet fraud protection, gadget cover, transport delay, food safety and agricultural produce.
LinqAlpha, Inc.
LinqAlpha
LinqAlpha is a multi-agent AI system for institutional investment research built across three layers. The data layer converts fragmented public, licensed and internal records into trusted financial data covering 50,000+ securities across 79 markets.
The context layer governs institution and user-specific context with tenant isolation, RBAC/ABAC entitlements and full auditability. The compute layer uses an orchestrator agent to dispatch specialist agents across financials, regulatory analysis, filings, transcripts and internal documents, synthesising results into reports and dashboards.
Teams access it via LinqAlpha Terminal for no-code use or LinqAlpha API/MCP for building proprietary AI systems, with every answer carrying source-level citations.
Longbridge AI Technologies Pte Ltd
Longbridge AI
LongbridgeAI rebuilds retail investing around AI as a foundation, closing the gap between individual and institutional investors in markets like Singapore and Hong Kong where adult investing participation exceeds 50%.
Its core investment loop covers Catalyst, Signal, Plan and Review, with every decision remaining human-approved. Four interoperable products deliver this: Longbridge App replaces traditional interfaces with a Language User Interface where investors describe what they want in plain language.
LongbridgeAI is the underlying agent infrastructure built specifically for investing. Longbridge Skill extends capabilities into third-party assistants like ChatGPT and Claude via 125+ purpose-built skills. Longbridge Agent Platform is an open marketplace of investment methodologies with four governance layers.
Individual – Fintech Mentor Finalists
Carney Mak
FXHB Asset Management Pte Ltd, Partner
Carney was nominated for his people-centred mentorship across multiple programmes, including the Blockchain Guardians Programme for undergraduates exploring Web3, the Pay-It-Forward Lounge at Singapore FinTech Festival, and the Global FinTech Hackcelerator.
What distinguishes him is his deeply personal approach: taking time to understand each mentee’s context, aspirations and challenges before offering thoughtful, in-depth guidance.
Even while navigating his own personal and professional challenges, Carney has remained consistently present and reliable for his mentees, making a meaningful difference to both emerging talent and early-stage founders alike.
Daniel Han
BNP Paribas, Head of Digital (CoE)
Daniel was nominated for his practical, human-centred mentorship of participants in the Global FinTech Hackcelerator.
As Head of Digital, Centre of Excellence at BNP Paribas Wealth Management, he brings strategic digital expertise to help teams navigate ambiguity and sharpen their ideas under tight competition timelines.
In 2024, he mentored a team that went on to win the Hackcelerator, guiding them in translating an ambitious concept into a credible, market-ready solution. Beyond the solution itself, Daniel focused on building each team member’s confidence, communication and cohesion.
Naveed Weldon
FlexM, CEO
Naveed was nominated for his hands-on, long-term approach to mentoring that goes well beyond periodic reviews. He stays closely involved during critical moments, guiding individuals through challenges while gradually expanding their ownership as confidence grows.
Two team members exemplify this: one grew from compliance lead to Chief Operating Officer, leading FlexM’s MAS Major Payment Institution licence application and being recognised as Compliance Innovator of the Year.
Another progressed from sales leadership to Chief Commercial Officer, now leading FlexM’s APAC commercial operations across multiple markets.
Ragunandhan Senthil Kumar
Bank-Genie Pte. Limited, CTO
Ragu was nominated for his deliberate commitment to sourcing talent from rural districts across India, bringing in around 25 individuals who had strong ability but limited professional exposure.
Rather than classroom training, he closes the gap through real client work alongside senior engineers, direct design reviews and a blame-free culture.
The results are visible: those he mentored now lead bank deployments across Asia and Africa, having travelled a significant distance from where they started.
Featured image credit: Edited by Fintech News Singapore, based on image by SFF
