JuanHand
“Can a Philippine fintech cash-lender become the default embedded credit layer across Southeast Asian e-commerce and super-apps?”
Founded2018
HQPhilippines
IndustryFintech / Lending
The story
Founded 2018 as WeFund Lending Corp., JuanHand grew into one of the Philippines' largest pure-fintech consumer cash-loan apps, disbursing over ₱85B to 20M+ registered users. After surviving an NPC temporary processing ban in 2021-2022 over data privacy concerns, the company pivoted toward embedded lending — powering BNPL/cash loans inside Lazada (FastCash), TikTok Shop (PayLater), and Shopee. It is backed by FinVolution Global, a Chinese fintech parent, and increasingly partners with banks (Netbank, HSBC) for funding while distributing through ecosystem partners.
Product timeline
2022
Partnered with Multisys as payment gateway for borrower repayments via banks/e-wallets· payments
2022
NPC lifts temporary ban; reaffirmed as compliant online lending platform· compliance
2024
Joined Digital Marketing Association of the Philippines (DMAP)· partnership
2024
Partnered with FEdCenter on financial literacy platform· partnership
2025
Partnership with Netbank Inc. for embedded finance lending to underserved Filipinos· lending
2025
Partnered with ECPAY; integrated as direct biller in GCash app· payments
2025
Powers Lazada FastCash and TikTok PayLater embedded lending in Philippines· lending
2025
Secured multi-million peso credit facility with HSBC Philippines· funding
2025
Brand partnership with Carousell marketplace· partnership
Regulated entities
1
regulatory licence held by JuanHand
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
3 layers disclosed in JuanHand’s embedded-finance stack
Payments / PSP
Multisys (payment gateway)ECPAYGCash (direct biller)
Lending
in the full report
Sponsor bank
in the full report
Accounting gap: none
5 more providers across 2 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.