FinSurgents is the strategy, technology, and implementation partner behind embedded finance, lending, and open banking across regulated markets. We don't sell a product. We build the systems, shape the policy, and forge the partnerships that make financial access real.

Live in regulated markets with

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Embedded finance is not a feature.It is infrastructure.

The most meaningful financial access doesn't come through standalone apps — it comes through the systems businesses already operate. FinSurgents was built on that conviction. We operate at the intersection of policy, technology, and capital, across South Asia, the Gulf, and Southeast Asia

What we do

Three things, for banks, NBFCs, and the ventures building alongside them.

All services
  • Build

    Lending platforms, wallets and payment rails, deployed under regulation.

  • Audit

    An independent read on infrastructure someone else built.

  • Applied consultancy

    Strategy, compliance and operating models, from people who have shipped.

The FinSurgents Family

Two brands, one engineering core.

Finova

Embedded finance for logistics

Wallet, payment rails, and AI-driven credit engines built for regulated deployment — plugged into logistics, commerce, and banking workflows without rearchitecting the stack they join.

2.5M+
Shipments
$125M
Wallet throughput
$25M
Lending throughput
<0.01%
NPL
Ciqqa

The financial operating system for business growth

Commercial-facing fintech tools for CFOs, COOs, and supply chain leads. Every feature ships with performance evidence, not projections.

  • FX Payments
  • Expense Management
  • Payroll
  • Realtime Collection

Builder-led.Regulator-informed.Market-tested.

Our team has a documented history of fintech venture building, policy advisory to central banks, and institutional partnership development across multiple regulated markets.

Qasif Shahid

Qasif Shahid

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