Wallets/atome
Atome
0 standards supported
Overview
Atome is Southeast Asia's leading buy-now-pay-later (BNPL) brand, operated by Atome Financial, part of Singapore-based Advance Intelligence Group 1, 2. Launched in 2019, Atome lets shoppers split purchases into interest-free instalments (typically three payments) across a large network of partner merchants. Its name is a reversal of "eat ome" / "take home now, pay later," and it operates across Singapore, Malaysia, Indonesia, the Philippines, Thailand, Vietnam and Hong Kong 1.
History
2019 — Launched by Advance Intelligence Group 1 in Singapore.
2020-2021 — Rapid SE Asia expansion 1: Entry into Malaysia, Indonesia, Hong Kong, the Philippines, Vietnam and Thailand, signing thousands of online and offline merchants.
2021 — Advance Intelligence Group reaches unicorn/decacorn status 2 in a SoftBank Vision Fund 2-led round, with Atome as a flagship consumer brand.
2022-2025 — Push toward sustainable unit economics + Atome Card 1: Introduction of a network-card product and tighter credit underwriting amid the global BNPL reset.
Ownership & operator
Operating entity: Atome Financial, a unit of Advance Intelligence Group (Singapore).
Parent group: Advance Intelligence Group — also operates ADVANCE.AI (digital identity/KYC) and Ginee (e-commerce SaaS); backed by SoftBank Vision Fund 2, Warburg Pincus, EDBI and others.
Regulators:
- Singapore: MAS; BNPL operates under an industry code of conduct administered by the Singapore FinTech Association.
- Other SE Asia markets: per-country consumer-credit registrations.
Technical integration
Atome is a Pay-in-3 instalment BNPL 1:
| Layer | Description |
|---|---|
| Channels | Atome app (iOS + Android) + web checkout |
| Identifiers | Email + phone number |
| Core product | Split into 3 interest-free instalments |
| Card network | Visa / Mastercard (Atome Card overlay) |
| Merchant integration | Checkout SDK/API + in-store QR at partner outlets |
Implementations & partners
Operator: Atome Financial (Advance Intelligence Group).
Markets: Singapore, Malaysia, Indonesia, Philippines, Thailand, Vietnam, Hong Kong.
Competitors: Kredivo, ShopBack PayLater, Hoolah (acquired by ShopeePay), Grab PayLater, Sezzle, Atome vs regional grab/shopee ecosystems.
Status
Active, leading SE Asia BNPL 1, 2:
- Atome Financial (Advance Intelligence Group, Singapore).
- Operates across seven Asian markets.
- Focused on sustainable unit economics and the Atome Card.
Sources
Source
Biography extracted from atome.md. See matrix.md for standards-support matrix if present.