Konfio Valuation, Funding & Investors

Naver Financial Corp. is a financial technology subsidiary of Naver Corporation that delivers digital payment, lending, insurance, securities trading, and real estate services across South Korea. It operates Naver Pay, a mobile wallet integrated with over 3 million offline merchants and major banks like Shinhan and KB Financial Group. The company provides Line Pay in Japan through its partnership with Line Corporation and offers tools such as interest-bearing savings accounts, peer-to-peer transfers, and unlisted stock marketplaces. Headquartered in Seongnam, South Korea, Naver Financial Corp. supports small businesses with low-fee payment terminals that handle coupons, reviews, and loyalty points while expanding insurance comparisons for auto and travel policies.

Grab Financial Group is the fintech arm of Grab offering payments, lending, insurance, and rewards across Southeast Asia. Headquartered in Singapore, it provides GrabPay digital wallet for in-store purchases, peer-to-peer transfers, and merchant POS systems. Since 2016, it serves 25 million monthly users in eight countries including Indonesia, Malaysia, and Thailand with microloans via GrabFinance and policies through GrabInsure.

stc pay is a Riyadh-headquartered digital wallet application and subsidiary of stc Group in Saudi Arabia. Aligned with Vision 2030, it enables secure mobile payments, money transfers, and merchant connections using stc's telecom network. The platform covers daily transactions for consumers and businesses, including bill payments and QR code scanning.

Fawry For Banking Technology And Electronic Payment is engaged in providing operations services specialized in systems and communications, management, operating and maintenance of equipment's and computers networks services and internal systems of banks, networks, and centralized systems, establish operating systems for banking services through the internet, phone and e-payment services and circulation of secured documents electronically, and renting properties.

PicS NV is a digital payments company. The company operates a peer-to-peer (P2P) transfer platform that enables individuals to send money via mobile devices. It provides digital wallets, instant payments (Pix), P2P transfers, credit cards, loans, investments, insurance, and SMB payment solutions. The company has four reportable segments: Consumer Banking, Small and Medium-Sized Businesses, Audiences and Ecosystem Integration, and Institutional. The majority of the company's revenue is derived from the Consumer Banking segment, which generates revenue from various transaction activities occurring in the digital wallet, such as Pix, peer-to-peer (P2P) transfers, and bill payments.

Nium is a Singapore-headquartered global payments platform enabling cross-border transactions for banks, fintechs, and enterprises. Launched in 2014, it offers card issuance, payout services, and APIs integrated across 190 countries, serving sectors like travel, e-commerce marketplaces, and payroll providers. The company processes billions in annual volume through its direct-to-local payment rails in Asia, Europe, and the Americas.

Paddle is a London-headquartered fintech platform serving as merchant of record for software companies worldwide. It manages subscription billing, global payments, sales tax compliance, VAT handling, and fraud prevention in over 200 countries. The service integrates with CRM systems, analytics tools, and developer platforms to streamline checkout flows and revenue recovery for SaaS providers.

Dianrong is an online lending marketplace founded in 2012 and headquartered in Shanghai, serving individuals and SMEs with customized borrowing and lending products. The platform leverages big data analytics, risk management tools, and compliance frameworks to facilitate transactions across various industries in China.

Juspay is a Bengaluru-based digital payments infrastructure provider, founded in 2012, that powers payment processing for clients including Amazon, Flipkart, Google, IndiGo, Swiggy, and banks such as HSBC. The platform has evolved from payment orchestration into a full-stack UPI platform and core payments infrastructure for banks and enterprises, processing more than 300 million transactions daily with annualized total payment volume exceeding $1 trillion. Juspay operates globally, with offices in San Francisco, Dublin, São Paulo, Singapore, and Dubai, serving more than 500 enterprises and banks across Asia-Pacific, the Middle East, Latin America, Europe, and North America.

PROG Holdings Inc is a financial technology holding company that provides transparent and competitive payment options to consumers. The company has two reportable segments: Progressive Leasing, an in-store, app-based, and e-commerce point-of-sale lease-to-own solutions provider; and Vive Financial (Vive), an omnichannel provider of second-look revolving credit products. The majority of the revenue of the company is earned through the Progressive Leasing segment.

Tuandaiwang is a Dongguan-headquartered Chinese peer-to-peer lending platform founded in 2011 that matches small and medium enterprises with investors via group loans. The service provides information collection, disclosure, exchange, and matching, backed by big data analysis and risk controls. Selected as a Guangdong Province Internet + Finance pilot, Tuandaiwang launched bank depository with Xiamen Bank in 2017 and holds national high-tech enterprise status.

Moss is a Berlin-headquartered fintech platform providing corporate credit cards and spend management for European SMEs. Users access virtual and physical cards with dynamic limits up to €10 million annually, integrated receipt scanning, and exports to DATEV, QuickBooks, or SAP. Launched in 2019, Moss serves 10,000+ companies with real-time controls and VAT automation.

DANA is a Jakarta-based fintech super app offering digital payments and financial services to over 130 million users in Indonesia. The platform enables seamless transactions via QR codes, e-wallets, bill payments, and loans through integrations with merchants and banks. As one of Indonesia's leading digital wallets regulated by OJK, DANA supports everyday commerce from street vendors to e-commerce giants like Shopee and Tokopedia, driving financial inclusion across urban and rural areas.

Ascend Money operates a fintech platform offering digital wallets, e-payments, and microloans in Thailand. Bangkok-headquartered, it runs the TrueMoney app with over 20 million users for bill payments, remittances, and QR code transactions. Ascend Money partners with Charoen Pokphand Group and True Corporation to expand financial inclusion. Launched in 2016, it holds a virtual bank license and processes transactions exceeding 1 trillion baht yearly.

KreditBee is a Bengaluru-headquartered fintech firm founded in 2018 that delivers instant personal loans up to INR 400,000 to salaried professionals in India. The app approves applications using alternative data like GST returns and UPI transactions, disbursing funds via Razorpay within 10 minutes. Regulated by RBI as a non-banking financial company, it serves over 20 million users across 15 states with features for credit score tracking and flexible repayment tenures from 3 to 36 months.

New York-headquartered Kushki delivers a payments platform optimized for Latin America, handling credit and debit cards, bank transfers, and cash collections at 300,000 physical points. The API enables seamless integration for e-commerce, mobile commerce, and in-store transactions across fragmented ecosystems. Operations cover Brazil, Chile, Colombia, Ecuador, Mexico, Peru, USA, and Canada. Launched in 2016, Kushki processes billions in volume for merchants like Despegar and serves enterprises scaling regional commerce.

London-headquartered Tide is a business banking platform offering current accounts, invoicing tools, expense tracking, payroll processing, and integrations with accounting software like Xero and QuickBooks. The service supports company registration, virtual and physical Mastercard debit cards, savings pots with interest, and access to loans via partnerships with lenders such as iwoca. Tide serves over 500,000 businesses across the UK with features including real-time payments, automated VAT reconciliation, and fraud monitoring.

Deluxe Corp is principally a payments and data company. Its reportable segments are: Merchant Services, B2B Payments, Data Solutions, and Print. Maximum revenue is derived from its Print segment, which provides printed personal and business checks, business essentials, as well as branded promotional, print, apparel, and digital storefront solutions. The Merchant Services segment provides electronic credit and debit card authorization, payment systems, and processing services. The B2B segment offers treasury management solutions, integrated accounts payable disbursements, and fraud and security services, and the Data Solutions segment offers data, analytics, and marketing services, as well as financial institution profitability reporting and business incorporation services.