Aspire China
“Can Aspire become the financial OS for APAC SMEs and cross-border e-commerce sellers — owning multi-currency banking, cards, FX, and spend in a single platform?”
Founded2018
HQSingapore
Total raised$100M+ (Series C)
Latest roundSeries C, USD 100M
IndustryFintech / SMB banking
The story
Founded 2018 in Singapore as an SME finance platform, Aspire evolved from a lending/working-capital startup (early Lazada partnership) into an 'all-in-one financial OS' for APAC SMEs and cross-border e-commerce. The product stack expanded across multi-currency accounts, corporate cards, expense management, payroll, yield, and APIs. By 2025 Aspire had entered the US market with a Column N.A.-issued business account and AFT US Capital LLC treasury services, positioning itself as a global Brex/Mercury/Airwallex competitor anchored in APAC.
Product timeline
2018
Founded in Singapore as a financial platform for SMEs and cross-border e-commerce.· founding
2019
Series A funding led by MassMutual Ventures; began Wise partnership in Singapore for cross-border payments.· banking
2020
Partnered with Lazada Singapore to offer COVID-19 working capital loans up to S$100k within 3 hours.· lending
2025
Launched US operations with Aspire Business Account provided by Column N.A., plus AFT US Capital LLC treasury account.· banking
2025
Partnered with Stripe in Hong Kong to enable card/digital wallet acceptance via invoices and payment links.· payments
2025
Extended Wise Platform integration to Hong Kong for international payments in 40+ currencies.· banking
Regulated entities
1
regulatory licence held by Aspire China
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
Same company
Aspire China was analysed under more than one name on the same domain, so its stack is split across these dossiers. Each was analysed independently and may name providers the others do not.
The stack
7 layers disclosed in Aspire China’s embedded-finance stack
Payments / PSP
Money movement
in the full report
Banking / BaaS
in the full report
Lending
in the full report
Sponsor bank
in the full report
FX & payouts
in the full report
Accounting
in the full report
Accounting gap: none
13 more providers across 6 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.