API Asia- Authorized Payment Institution for sale

A leading embedded finance enabler in Southeast Asia, delivering a proprietary, modular platform that allows any business to seamlessly embed digital financial services. The company provides end-to-end solutions across card issuing, digital wallets, remittances, micro-credit, and insurance distribution. With the widest set of regulatory approvals in the region, a robust pipeline of new products, and strong traction with blue-chip B2B and B2C clients, the company is uniquely positioned to unlock the multi-billion-euro opportunity in embedded finance.

Market Opportunity

Global embedded finance TAM (2030): ~€6.7 trillion
Southeast Asia embedded finance TAM (2028E): ~€108 billion (from €33 billion in 2022)

Business Model & Strengths

Licenses: Comprehensive coverage across Southeast Asia, materially stronger regulatory positioning than peers.
Platform: Proprietary, scalable, and modular white-label technology.
Products: Full-stack suite including payments, wallets, lending, insurance, and remittance – with new cross-sell opportunities (micro-insurance launching Q4 2025).
Value for clients: Rapid go-to-market, revenue diversification, no compliance burden, and enhanced customer loyalty.


Financial Performance

Recent Growth

FY2024 revenues: €15.9m (↑133% YoY)
H1 2025 revenues: €14.4m (↑174% vs. H1 2024)
EBITDA: Returned to profitability in 2024; H1 2025 EBITDA of €0.66m (vs. loss of €1.47m in H1 2024).
Q2 2025 EBITDA margin: 10.1%.

Key Metrics

Strong revenue mix: subscriptions (recurring), transactions (re-occurring), and card services.
Consistent double-digit quarterly growth across all segments.
Gross profit of €4.9m in H1 2025 (margin ~41%).

Leadership & Backing

Experienced management team with 20–30 years’ industry expertise (ex-Cisco, EY, Ministry of Defence, global fintechs).
Supported by leading Asian investors and strategic partners.

Conclusion

The company combines regulatory breadth, scalable technology, and accelerating financial performance, with strong tailwinds from Southeast Asia’s underpenetrated markets. Its proven business model, blue-chip client base, and EBITDA-positive trajectory position it as a premier embedded finance enabler set for sustainable expansion.
Possible purchase of 100% of shares or part.