Products We Build And Run.
Alongside the infrastructure we build for banks and NBFCs, we run products of our own — each made for a different market, under its own brand.
For businesses running their own financesPayments, FX, virtual cards, payroll, collections and expenses for growing businesses — run from one system, with approvals built in.
For logistics and commerce platformsMerchant wallets, working-capital lending and AI credit decisioning, embedded straight into logistics and commerce platforms.
ShopGenieFor Shopify merchantsChurn, return and purchase-intent scores for every customer, with the actions that win the revenue back.
Business finance platformEvery payment. One system. Total control.
Ciqqa brings local and cross-border payments, virtual business cards, payroll, collections and expenses into one finance-first platform — so money moves on your terms, and every movement has an approver and an audit trail behind it.
Built for · Finance, HR & operations teams
- PaymentsVendor, batch, scheduled and bill payments.
- FX paymentsPKR, USD and SGD accounts, with cross-border payouts.
- Virtual cardsA USD business card you top up as you go.
- Payroll & HRPayroll batches tied to employee records.
- CollectionsInvoices issued and tracked to settlement.
- ExpensesClaims checked against policy, then reimbursed.
- TreasuryFunding, live balances and statements.
- Ask it in ClaudeRead-only answers about your own finance data.
Embedded finance infrastructureCapital that moves at the speed of freight.
Finova embeds payments and credit directly into the logistics and e-commerce software merchants already run on — so they get paid, and get funded, at the point where the work happens rather than in a separate banking portal.
Built for · Logistics & e-commerce platforms, NBFCs, banks
- Shipments
- 2.5M+
- Wallet throughput
- $125M
- Lending throughput
- $25M
- NPL
- <0.01%
In production since February 2025
Three modules. One set of rails.
Deploy them together as a full embedded-finance stack, or take only the module you need. Each runs against the same ledger.
- 01
Digital merchant wallet
Virtual merchant accounts with end-to-end control of fund flows, settlement and reconciliation.
- Virtual merchant accounts
- Instant processing and settlement
- Real-time balance and cash-flow view
- 02
Loan management system
COD-backed working capital and invoice discounting, with full loan-book management behind it.
- Cash-on-delivery backed financing
- Invoice discounting facilities
- Automated repayment from settlement
- 03
AI credit engine
Machine-learning underwriting on shipment history, delivery success and settlement behaviour.
- Real-time credit scoring
- Automated lending decisions
- Continuous limit re-assessment
- 1Integrate
Connect Finova's modular APIs to your shipment management, merchant portal and settlement runs — no re-plumbing.
- 2Activate
Switch on wallets, COD-backed financing or credit scoring. One module or all three, on the same ledger.
- 3Scale
Roll out across your merchant network, with underwriting anchored to delivery data rather than self-reported financials.
- Lending through an SECP-licensed NBFC
- FinTech coverage under an STZA licence
- Finova Technologies Pte. Ltd., Singapore
ShopGenieCustomer intelligence for ShopifyKnow who will churn, return, or buy again — before they do.
ShopGenie scores every customer from your real Shopify data — orders, customers, refunds and abandoned checkouts — and hands you a ranked list of actions, each with the revenue it can recover.
Built for · Shopify merchants
Six agents. The first one is free.
Customer Intent is free forever. Each further agent is $10 a month, switched on or off any time and billed through Shopify.
- Customer IntentFree
Churn, return and purchase-intent scores for every customer, each paired with an action and the revenue it can recover.
- Cohorts & RFM$10/mo
RFM segmentation and a retention heat-map: who to keep, who to win back, who to grow.
- Loyalty$10/mo + messages
Tiered loyalty, with offers sent over WhatsApp to the customers most likely to come back.
- Revenue DNA$10/mo
Lifetime value by channel, concentration-risk alerts and revenue trends.
- Signals$10/mo
A live feed of abandoned checkouts, rising churn risk and loyalty milestones, with rules that act on them automatically.
- AI Concierge$10/mo
Storefront chat and WhatsApp, answered from your store's data, with handoff to a person.
- 1Add to Shopify
Install from the Shopify admin in two clicks. No code, no theme edits, no developers.
- 2ShopGenie reads your store
Orders, customers and checkouts sync automatically, and every customer is scored.
- 3Act on the wins
Work the ranked actions in Customer Intent, and switch on more agents when you are ready.
Different markets. The same foundations.
Every FinSurgents product is built by the team that builds regulated infrastructure for banks and NBFCs — to the standard we deploy for institutions under a regulator’s eye.
How we buildRegulators we have worked alongside
State Bank of PakistanContributions to EMI and open banking regulations
Securities & Exchange Commission of PakistanNBFC and P2P SME lending frameworks
Saudi Central BankOpen banking initiatives in the Kingdom
Partner with the team behind them
Distribution, integration, investment or press — talk to us about Ciqqa, Finova, ShopGenie, or what you would build on the same foundations.