# Fazz

> Fazz is a financial technology group connecting Indonesian agent-based financial services with business payment infrastructure and StraitsX stablecoin settlement. Its customers range from neighborhood merchants to fintech platforms and businesses moving money across markets.

- **Founded:** 2016
- **Headquarters:** Jakarta, Indonesia; Singapore
- **Founders:** Hendra Kwik (Co-founder; Group CEO), Tianwei Liu (Xfers co-founder; Group Deputy CEO; StraitsX CEO), Ricky Winata (Payfazz co-founder; founding CTO), Jefriyanto (Payfazz co-founder; founding CPO), Victor Liew (Xfers co-founder)
- **Products:** Payfazz / Fazz Agen, Fazz Business, Billfazz / Fazz Billing, Fazza, Fazz Payment
- **Notable:** Payfazz joined Y Combinator in 2017., Payfazz and Xfers formed Fazz Financial Group in March 2021., Company-reported US$10 billion annualized transaction volume at September 2022 financing announcement.

## Products & services

- **Payfazz / Fazz Agen** — Agent app for transfers, bill payments, phone credit, electricity tokens and wallet top-ups in Indonesia.
- **Fazz Business** — Business accounts, payments, corporate cards and partner financing; country-specific offerings differ.
- **Billfazz / Fazz Billing** — Bill-payment and digital-product aggregation infrastructure for businesses.
- **Fazza** — Indonesian consumer app for everyday transfers, top-ups and QR payments.
- **Fazz Payment** — Payment gateway infrastructure to accept and process digital payments.
- **StraitsX** — Stablecoin issuance, settlement infrastructure and card infrastructure, including XSGD and XUSD.

## Achievements

- Payfazz joined Y Combinator in 2017.
- Payfazz and Xfers formed Fazz Financial Group in March 2021.
- Company-reported US$10 billion annualized transaction volume at September 2022 financing announcement.
- StraitsX issues SGD- and USD-denominated stablecoins and offers regulated payment infrastructure.

## Latest updates

- **2026-10** — StraitsX published details of native x402 support for XSGD and XUSD on October 8.
- **2026-10** — StraitsX announced plans to bring XSGD to Monad on October 1; announcement does not establish launch completion.
- **2026-09** — StraitsX published a guide to launching stablecoin-backed card programs.
- **2026-07** — StraitsX described Apple Pay provisioning for Pionex Cards, completed earlier in 2026.

## Links

- Website: https://fazz.com/
- LinkedIn: https://www.linkedin.com/company/fazz-financial-group/
- Twitter/X: https://twitter.com/fazzagen
- GitHub: https://github.com/xfers
- YouTube: https://www.youtube.com/@payfazz
- Instagram: https://www.instagram.com/payfazz/
- Facebook: https://www.facebook.com/fazzagenid/
- TikTok: https://www.tiktok.com/@fazzagen

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Profile page: https://yespress.io/fazz
Published by YesPress — https://yespress.io
Last updated: 2026-10-11