← State of Embedded Finance 2026

Saturday Club

Can a Singapore-born womenswear label scale into a global DTC brand by routing payments, FX and BNPL through embedded fintech rails rather than owning the financial stack?

HQSingapore
FoundersJustin Ying, Tze Her Ying
IndustryE-commerce / DTC brand
The story

Saturday Club is a Singapore-based womenswear DTC brand (Saturday Club Pte Ltd) that grew from a single domestic outfit into a global e-commerce operation shipping to 7+ markets across Asia, Americas, Europe, Middle East and Oceania. The strategic question is operational: how to run a small-domestic-market fashion brand as a global cross-border e-commerce business profitably, which has driven adoption of multi-currency infrastructure (Airwallex) and regional BNPL (Atome).

Last 12 months
Product timeline
0
Saturday Club founded in Singapore by Justin Ying and his brother Tze Her as a local womenswear brand· launch
0
Expanded internationally, finding early success in China before entering Hong Kong, US, Japan and Australia· expansion
2023
Adopted Airwallex as global B2B payment platform to support multi-market expansion (7 markets)· infrastructure
The stack
Lending
AtomeAtome BNPL (3 interest-free installments, 30 days apart)
FX & payouts
Airwallex
Accounting gap: none