The Financial Authority of Singapore (MAS) has introduced 18 finalists for the 2025 International Fintech Hackcelerator.

This 12 months’s competitors focuses on the theme “AI for Monetary Providers”, reflecting efforts to discover how AI can deal with key challenges within the sector and ship sensible advantages to monetary establishments and their shoppers.

The finalists have been chosen for his or her revolutionary and market-ready AI options geared toward enhancing effectivity, decision-making, and accessibility throughout the monetary ecosystem.

They may take part in a four-day programme that features mentorship, collaboration with trade professionals, and networking alternatives with corporates and traders to refine their proposals.

These groups will pitch their options on the International Fintech Hackcelerator Demo Day, held through the Singapore FinTech Pageant (SFF) on 12 November.

The highest three winners will every obtain S$80,000 in prize cash.

Following the competitors, Company Champions could select to collaborate with chosen finalists to pilot their options, topic to mutual settlement.

A brand new factor on this 12 months’s competitors contains participation from 5 Funding Companions representing enterprise capital corporations, which have collectively dedicated roughly S$2.5 million in potential investments for the finalists, pending due diligence.

Right here Are the 18 Finalists for 2025 International Fintech Hackcelerator

ActuaViz (Taiwan)

ActuaViz was based by insurance coverage and know-how professionals who recognised the important hole between conventional product knowledge administration and fashionable AI capabilities. The workforce combines deep experience in insurance coverage operations, regulatory compliance, and superior knowledge engineering to remodel how the trade handles advanced product data.

ActuaViz has developed proprietary know-how that converts advanced insurance coverage documentation, together with regulatory PDFs, pricing spreadsheets, and actuarial fashions, into structured, machinereadable codecs.

This permits clever instruments that immediately generate product comparability tables, present real-time agent assist by AI chatbots, and simulate pricing calculations with full transparency. By eliminating weeks of handbook processing, the platform accelerates product improvement cycles and enhances buyer understanding of insurance coverage merchandise.

Akro (Singapore)

Having efficiently deployed safe AI options for defence functions, the workforce now applies this identical rigorous strategy to monetary providers, specialising in advanced, document-heavy workflows that require each precision and confidentiality.

The platform gives an on-premise AI analysis system designed for agentic information processing, that includes two core capabilities: clever information synthesis and automatic report era. The answer effectively processes giant, multi-modal paperwork while sustaining full privateness and safety.

Presently deployed with frontline professionals and analysts, the platform accelerates decision-making processes by remodeling advanced analysis workflows into streamlined, clever operations that prioritise each pace and accuracy.

Asia Premium Financing Providers (APFS) (Thailand)

The APFS workforce combines experience in client lending, insurance coverage operations, and fintech innovation to handle the area’s low insurance coverage penetration charges by accessible financing options tailor-made to markets with restricted bank card adoption.

APFS has developed a Purchase Now, Pay Later platform particularly for insurance coverage premiums, enabling clients to pay in instalments and utilizing the insurance coverage coverage itself as collateral. This strategy transforms conventional unsecured lending into assetbacked financing, considerably decreasing credit score danger.

The platform integrates insurers, brokers, and clients right into a seamless workflow that automates advanced back-office operations together with reconciliation and settlement. Since launching in September 2023, APFS has served over 60,000 clients, originated greater than US$10 million in loans, and maintained a non-performing mortgage price of lower than 1%, demonstrating each robust market demand and operational sustainability.

Aurae Well being (India)

Aurae Well being brings collectively experience from medical, healthcare, and know-how domains to construct a complete worker advantages and OPD platform. The workforce works collaboratively to develop proprietary AI-powered well being applied sciences that deal with the rising demand for accessible, tech-driven preventive healthcare options.

Aurae Well being operates as a model of Crossroads Well being, providing an built-in worker advantages and OPD platform powered by proprietary AI-led well being screening applied sciences. The platform operates throughout two key verticals: superior digital well being options and complete worker advantages administration.

The AI-powered well being instruments embrace physique vitals monitoring by face and finger scans offering over 20 parameters, posture and health evaluation, cataract detection, pores and skin evaluation, and complete well being and most cancers danger evaluation instruments.

The worker advantages platform options real-time coverage customisation, walletbased controls, and seamless integrations that stretch past fundamental protection to incorporate outpatient care, preventive well being providers, psychological well being assist, in-patient insurance coverage integration, and digital affected person stories with built-in danger simulators.

Increase.Cash (India)

Increase.Cash has developed a monetary AI platform that leverages agentic AI know-how to automate complete monetary workflows for banks, lenders, and monetary establishments.

The platform connects to a number of monetary knowledge APIs and processes numerous monetary paperwork together with credit score stories, financial institution statements, GST tax information, and funding portfolios in real-time to generate detailed correlated analytics and stories.

By its multi-modal RAG pipeline, the system intelligently normalises and processes numerous monetary datasets, enabling fast utility processing and inexpensive credit score choices for SME and retail classes. Not too long ago launched in India, the platform automates end-to-end workflows spanning mortgage origination, decisioning, and collections administration, empowering monetary establishments to make sooner, extra knowledgeable lending selections.

Centry (Nigeria)

Centry’s four-person workforce combines confirmed experience in development, operations, and engineering with deep African fintech perception.

The workforce contains management with expertise scaling cryptoremittance functions to US$60 million GMV, operational experience in securing partnerships and licenses, cell and UX engineering capabilities, and backend structure expertise processing over 200,000 transactions month-to-month. Collectively, they ship full-stack execution for borderless cost options.

Centry’s Copilot platform integrates stay feeds from banks, M-Pesa, and cryptocurrency networks to foretell cash-flow gaps and routinely orchestrate monetary operations for SMEs. The system gives immediate, low-fee crypto-to-naira settlements, bill financing, and invoice funds by automated processes that cut back treasury prices by 40% and enhance working capital entry inside minutes.

By combining real-time knowledge evaluation with automated monetary orchestration, the platform streamlines advanced treasury operations into seamless, cost-effective workflows.

Claimsio (Poland)

The workforce includes two finest mates with complementary experience in enterprise operations and technical improvement. One co-founder brings expertise constructing and promoting a software program company that reached 70 workers and $5 million ARR, adopted by fintech expertise working with over 4,000 SMEs, offering deep perception into the challenges of unpaid invoices.

The technical cofounder has scaled over 40 manufacturing techniques and specialises in constructing sturdy, dependable infrastructure. The workforce lately secured second place on the ElevenLabs hackathon and is now scaling their product.

The platform gives AI-native debt assortment providers particularly designed for SMEs, providing a full-stack system that replaces conventional assortment companies with real-time, automated workflows. Starting with delicate assortment strategies by multichannel communication, the answer is increasing to incorporate automated authorized filings and built-in fintech providers corresponding to factoring.

This complete strategy streamlines the complete debt restoration course of while sustaining skilled relationships and decreasing the executive burden on small and medium enterprises.

Fineksi (Indonesia)

The workforce brings over 10 years of expertise within the lending trade, with backgrounds spanning banking operations throughout enterprise, credit score, and product departments. This hands-on expertise in monetary establishments gives deep understanding of the challenges confronted in SME lending and credit score evaluation processes.

Fineksi gives a SaaS platform that streamlines SME credit score processes for monetary establishments while serving to SMEs perceive their monetary well being from a credit score underwriting perspective. The platform ingests complete SME monetary paperwork and delivers AI-based monetary evaluation that allows sooner mortgage processing, fraud detection, and lowered non-performing loans.

By automating doc evaluation and offering clear monetary insights, Fineksi bridges the hole between lenders’ want for thorough danger evaluation and SMEs’ requirement for accessible credit score analysis and sooner approval processes.

Finny (India)

The workforce recognises the elemental shift in India’s retirement panorama, the place the primary era of absolutely self-funded retirees is rising with out conventional authorities pensions or household assist techniques. With deep understanding of India’s evolving monetary wants, the workforce addresses the important advisory hole going through the nation’s rising center class.

Finny gives a tech-led wealth administration platform that leverages India’s Account Aggregator framework and AI brokers to ship personalised monetary independence plans at scale. Focusing on mass affluents incomes USD 25,000–120,000 yearly, the platform affords unbiased, subscription-based advisory providers with out commissions.

By combining AI-driven insights with human teaching, Finny permits true personalised planning at scale, empowering India’s rising center class to attain monetary freedom the place conventional retirement security nets now not exist.

Fluid (Singapore)

The management workforce combines experience from main fintech and know-how corporations, bringing collectively embedded lending expertise from Coupang, debt financing specialisation from Lendable and IFC, and scaling and operations expertise from Atome and Uber.

This numerous background spans fintech, product improvement, danger administration, and operations to construct AIpowered B2B cost options throughout Asia.

Fluid gives an AI-powered B2B cost platform with built-in credit score capabilities, serving to SMEs speed up receivables and streamline invoice funds.

The platform’s agentic AI automates the complete B2B cost course of, from bill syncing and credit score evaluation to money circulation updates, collections, and reconciliation. By eradicating the executive burden of cost administration, Fluid permits companies to concentrate on development slightly than chasing funds, positioning itself as a primary mover in redefining B2B cost workflows throughout Asia.

Good Lioness (Australia)

The award-winning workforce is led by a globally recognised funding strategist and CFA, supported by specialists in knowledge science, actuarial science, cyber and quantitative analytics, ethics, and governance. This multidisciplinary experience permits the event of refined digital wealth administration options that mix funding technique with sturdy technological infrastructure.

Good Lioness gives an AI-driven wealth platform that empowers relationship managers and shoppers by personalised digital recommendation mixed with sturdy funding algorithms.

The platform unlocks new income streams from beforehand unadvised shoppers while decreasing administrative burdens for advisers. By delivering personalised digital instruments that improve transparency, belief, and management, Good Lioness improves consumer outcomes and permits wealth administration corporations to scale their advisory providers extra successfully.

Ketchup AI (Singapore)

The workforce combines experience in monetary operations, strategic consulting, and product improvement. Management contains expertise as CFO and enterprise improvement head at Evercomm, over 10 years of consulting expertise at McKinsey, Deloitte, and FTI specialising in go-to-market methods for insurance coverage, and in depth net and cell utility improvement expertise together with product administration roles at Google and main startups.

Ketchup AI gives an AI agent designed to assist insurance coverage brokers keep lead engagement and convert prospects into gross sales alternatives. The platform permits brokers to enter product data and lead particulars, after which Ketchup remembers important details about every prospect, gives well timed reminders to keep up momentum, and generates personalised content material for improved engagement.

By automating lead administration and offering strategic steering, Ketchup AI empowers insurance coverage brokers with datadriven approaches to nurture relationships and improve conversion charges.

OPESHA Options (Kenya)

OPESHA Options includes an skilled workforce with experience in knowledge science, behavioural analytics, and machine studying, centered on addressing SME credit score entry challenges throughout Africa.

OPESHA gives a B2B AI-powered credit score analytics platform that transforms SME finance entry throughout Africa. The platform leverages machine studying, various knowledge, and behavioural analytics to reinforce SME credit score scoring, match companies with applicable monetary merchandise, and equip establishments with superior underwriting instruments.

By enabling smarter lending selections and unlocking development alternatives for underserved small companies, OPESHA fosters a extra inclusive and data-driven monetary ecosystem all through the continent.

Oxford Danger (United Kingdom)

Oxford Danger is a spin-out from Oxford College and the worldwide chief in B2B2C Behavioural Finance for monetary establishments, specialising in making use of tutorial analysis to sensible monetary know-how options.

Oxford Danger permits banks to speed up development by empowering their AI brokers to ship hyperpersonalisation at scale primarily based on traders’ monetary personalities, driving 2-6 occasions better engagement. The platform trains AI fashions with insights into precise investor decision-making processes, integrating conventional transaction knowledge with deeper behavioural layers together with cognitive biases, danger tolerance variations, and decisionmaking patterns.

This enriched dataset permits AI techniques to maneuver past generic options, delivering methods that align with every investor’s distinctive cognitive profile. The answer empowers monetary advisers to anticipate consumer wants, tailor interactions extra successfully, and equip wealth administration groups with predictive instruments that establish funding alternatives and potential considerations, finally enhancing each consumer outcomes and enterprise efficiency.

Ringkas Asia (Singapore)

The workforce contains former leaders from Google, Amazon, Dell, and Goldman Sachs, with experience in fintech, AI, and cloud infrastructure. They’ve constructed and scaled $1 billion+ platforms throughout APAC and led regulated digital banking initiatives.

Ringkas addresses inefficiencies in insurance coverage workflows the place underwriting and claims processes stay gradual and handbook, creating bottlenecks and poor buyer experiences. The corporate gives an Agentic AI Insurance coverage Copilot constructed on a confirmed multi-agent system already deployed throughout 29 banks, 700+ branches, and over US$1 billion in annual quantity for mortgage infrastructure.

By adapting this established system to insurance coverage, Ringkas delivers contextual suggestions and real-time help for embedded gross sales, onboarding, consumer advisory, and claims processes.

Buying and selling Valley (Taiwan)

U-Reg (Singapore)

U-Reg brings collectively an skilled workforce with over 120 years of collective know-how expertise and deep monetary providers experience throughout Asia, Europe, and past.

U-Reg gives a worldwide regulatory and compliance platform serving over 400 consumer entities throughout EMEA, APAC, and the Americas. The platform addresses the time-intensive Supply of Wealth verification course of in wealth administration by deploying AI brokers that cut back processing time by as much as 80% from days to hours and sustaining compliance integrity.

The answer options superior agentic structure with AI brokers that collaborate intelligently and deal with multi-modal knowledge sources concurrently. With robust market validation together with an MAS DAG Trade Pilot with 5 regulated monetary establishments and first place in Catapult FundTech360 in Luxembourg, U-Reg has demonstrated confirmed capabilities throughout main monetary establishments.

WealthPeak AI (Singapore)

WealthPeak was based by Megan and Kenyon, backed by a workforce of information specialists specialising in non-public firm knowledge evaluation to reinforce non-public wealth administration relationships.

WealthPeak AI helps non-public bankers uncover UHNWI alternatives by AI-powered community intelligence that analyses connections to establish heat paths to high-potential shoppers. The platform maps possession buildings, highlights key people, and aggregates insights from filings, interviews, and media to assist bankers perceive the folks behind the wealth.

By offering personalised options and contextual intelligence about non-public firm knowledge and relationships, WealthPeak permits bankers to construct stronger, extra knowledgeable consumer relationships.

Kenneth Homosexual, Chief Fintech Officer at MAS, mentioned,

“We’re happy to announce all of the finalists chosen at present. Your AI options show the transformative potential of know-how in monetary providers and reinforce our dedication to constructing a extra environment friendly and accessible monetary ecosystem.”

Featured picture credit score: SFF