# Atome

> Source: https://docs.barcoder.ai/docs/wallets/atome
> research date 2026-06-01 · extracted at 2026-10-03
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [Atome — official](https://www.atome.sg/)

## Overview

**Atome** is **Southeast Asia's leading buy-now-pay-later (BNPL) brand**, operated by **Atome Financial**, part of Singapore-based **Advance Intelligence Group** <sup>[1][1], [2][2]</sup>. 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** <sup>[1][1]</sup>.

## History

**2019 — Launched by Advance Intelligence Group** <sup>[1][1]</sup> in Singapore.

**2020-2021 — Rapid SE Asia expansion** <sup>[1][1]</sup>: 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** <sup>[2][2]</sup> in a SoftBank Vision Fund 2-led round, with Atome as a flagship consumer brand.

**2022-2025 — Push toward sustainable unit economics + Atome Card** <sup>[1][1]</sup>: 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** <sup>[1][1]</sup>:

| 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](https://docs.barcoder.ai/docs/wallets/kredivo), ShopBack PayLater, Hoolah (acquired by ShopeePay), Grab PayLater, [Sezzle](https://docs.barcoder.ai/docs/wallets/sezzle), [Atome](https://docs.barcoder.ai/docs/wallets/atome) vs regional grab/shopee ecosystems.

## Status

**Active, leading SE Asia BNPL** <sup>[1][1], [2][2]</sup>:
- **Atome Financial** (Advance Intelligence Group, Singapore).
- Operates across seven Asian markets.
- Focused on sustainable unit economics and the Atome Card.

## Sources

[1]: https://en.wikipedia.org/wiki/Atome_(company) "Atome — Wikipedia"
[2]: https://en.wikipedia.org/wiki/Advance_Intelligence_Group "Advance Intelligence Group — Wikipedia"
[3]: https://www.atome.sg/ "Atome — official site"

- [1] [Atome — Wikipedia][1]
- [2] [Advance Intelligence Group — Wikipedia][2]
- [3] [Atome — official site][3]

## Source

Biography extracted from [atome.md](https://docs.barcoder.ai/source/wallets/atome). See `matrix.md` for standards-support matrix if present.