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
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
We Build It. We Audit It.We Advise On It.
Three engagements for banks, NBFCs and the ventures building alongside them — each sharper for having done the other two.
Lending platforms, wallets and payment rails, taken from architecture to live deployment under a regulator's eye.
- Launch on infrastructure built to be licensed
- Automate the full lending lifecycle
- Embed finance where your customers already are
How we buildLoan pipelineLOS · live- Application receivedMobile app
- e-KYC & identity checkNADRA
- Credit decisionScoring engine
- DisbursementWallet rail
Disbursed todayPKR 4.2M+18%Merchant walletPKR 250,000Working capital lineActiveAn independent read on infrastructure someone else built — from people who build it themselves.
- Find the gaps before the regulator does
- Know your stack will hold under load and scrutiny
- Trust the decisions your credit engine makes
How we auditReadiness reviewPre-licensing- ✓Data residencyIn-country, verified
- ✓Encryption & key managementAES-256 at rest
- !Credit decision logic2 findings
- ✓Access & audit trailsRole-scoped
- !Disaster recovery1 finding
82%Launch readinessRemediation plan3 actionsSECPSAMAPCI DSSStrategy, compliance and operating models for banks, NBFCs and regulators — from people who have shipped.
- Turn a fintech ambition into a programme
- Shape the rules, not just follow them
- Build the partnerships that make it work
How we adviseProgramme roadmapQ1 – Q4Q1Q2Q3Q4- Strategy & business model
- Regulatory engagement
- Partnerships & integration
- Pilot & operating model
Next milestoneSandbox applicationOn trackGovernance frameworkRiskMappedComplianceDraftedControlsIn review
- Application receivedMobile app
- e-KYC & identity checkNADRA
- Credit decisionScoring engine
- DisbursementWallet rail
Our Own Products.On The Same Rails.
Each made for its own market, on the same regulated foundations we build for banks and NBFCs. All products →
The financial operating system for business growth
Payments, FX, virtual business cards, payroll, collections and expenses in one platform — with an approver behind every payment, and answers from your data in Claude.
- Payments & Collections
- FX Payments
- Virtual Cards
- Payroll & Expenses
Embedded finance infrastructureCapital that moves at the speed of freight.
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.
- Shipments
- 2.5M+
- Wallet throughput
- $125M
- Lending throughput
- $25M
- NPL
- <0.01%
ShopGenieCustomer intelligence for ShopifyKnow who will churn, return, or buy again.
Churn, return and purchase-intent scores for every customer of a Shopify store, with a ranked list of actions and the revenue each can recover.
Free to start · Six AI agents · Billed through Shopify
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.
