Atome logo — Southeast Asia's leading embedded financing and digital fina...

Atome

Southeast Asia's leading embedded financing and digital financial services platform.

Founded 2019 Singapore Singapore 789 employees Unknown Total: $1.23B AI, E-Commerce +5

General Information

Company Name Atome
Founded Year 2019
Location Singapore Singapore +1
Founders / Decision Makers
Team member
Employees 789
Industries AI, E-Commerce, Financial Services +4
Funding Stage Unknown
Social

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About Atome

Atome, founded in 2019, is a prominent player in the AI, E-Commerce, Financial Services, Fintech, Mobile, Payments, Marketing sectors, headquartered in Singapore. Part of the Advance Intelligence Group, it serves as Southeast Asia's leading embedded financing and digital financial services platform, with a strong focus on "buy now, pay later" solutions.

Backed by esteemed investors such as the Softbank Vision Fund 2, Warburg Pincus, Northstar Group, Standard Chartered Bank, and EDBI, the company has raised over USD 700 million in funding, maintaining capital in excess of USD 1 billion to support its extensive credit book. The company's last investment was a USD 48 million debt financing round from Maya Capital in September 2025.

Serving over 500 enterprise clients, 235,000 merchants, and 40 million consumers, Atome has disbursed more than USD 4 billion in loans. Partnering with over 15,000 retailers, it empowers consumers with flexible payment options across diverse sectors, aiming to facilitate smarter financial access for the unbanked and underbanked populations in the ASEAN region.

Taxonomy: embedded financing, digital financial services, buy now pay later, consumer finance, retail partnerships, credit access, unbanked populations, micro-lending, omnichannel, payment flexibility, tech-savvy consumers, financial inclusion, aspirational spending

Services & Products

Three Installment Payment Plan
Interest-Free Shopping
Retailer Partnerships
Atome+ Rewards Program
Mobile App Shopping Experience

Target Customers

Shoppers Retailers Developers

Funding Rounds & Investors (9)

View All
Funding Stage Amount Investors Lead Investors Date
Debt Financing •••••• 1
Investor
01 Sep 2025
Debt Financing •••••• - 01 Jun 2025
Debt Financing •••••• 2
Investor Investor
01 Feb 2025
Debt Financing •••••• 4
Investor Investor
•••• ••••
01 Nov 2024
Debt Financing •••••• 1 •••• •••• 01 Jun 2024

View All 9 Funding Rounds

Atome Alternatives & Competitors

View All Alternatives
Atome vs
askRobin
askRobin Estonia

We help millions of people find the best financial products in 🇦🇷🇨🇴🇲🇽🇵🇪 #latam #fintech

Seed
2 employees
Fintech, Marketplaces
Atome vs
Yabx
Yabx The Netherlands

One Equation, Infinite Possibilities

152 employees
Finance, Financial Services
Atome vs
Bridge Money
Bridge Money United States

Earn rewards on your rent & everything else.

Seed
24 employees
Finance, Banking

FAQ About Atome

Southeast Asia's leading embedded financing and digital financial services platform.
Atome was founded in 2019.
Atome is headquartered in Singapore.
Atome operates in the following industries: AI, E-Commerce, Financial Services, Fintech, Mobile, Payments, Marketing.
Atome has approximately 789 employees.
Atome has completed 9 funding rounds, raising a total of $1.23B. The latest funding stage is Unknown.
Atome offers: Three Installment Payment Plan, Interest-Free Shopping, Retailer Partnerships, Atome+ Rewards Program, Mobile App Shopping Experience.
Top alternatives and competitors to Atome include askRobin, Yabx, Bridge Money, LootRush, MBA Consult . These companies operate in related industries and serve comparable markets. You can compare them side by side on Bounce Watch.
Atome and askRobin are both companies in similar industries. Compare their funding, team size, growth signals, and market position on Bounce Watch to see which one fits your needs.

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