# SuperAtom Fintech

> SuperAtom Fintech is a Singapore-based financial technology company founded in 2018 as a spin-off from Cheetah Mobile. It builds digital lending and buy-now-pay-later products for underserved and unbanked consumers in emerging markets, using AI and big data to approve and disburse small, collateral-free loans quickly. Its flagship product UangMe operates in Indonesia under an OJK license, and the company has expanded toward the Philippines and Latin America with its Peso Chido brand. SuperAtom reports around 9 million registered users and over US$684 million in cumulative loan disbursements.

- **Founded:** 2018
- **Headquarters:** Singapore, Singapore
- **Founders:** Scarlett Xiao (Founder, President & CEO), Johnny Li (Co-Founder)
- **Team size:** Reported between 6 and 500 employees across sources; sizeable operational teams in Indonesia and other markets
- **Products:** UangMe, Peso Chido, AI & Big Data credit engine
- **Notable:** Obtained an OJK (Indonesia Financial Services Authority) license for UangMe in 2018., Reached roughly 9 million registered users., Disbursed over US$684 million in cumulative loans.

## Products & services

- **UangMe** — SuperAtom's flagship peer-to-peer consumer lending and buy-now-pay-later platform in Indonesia, offering fast, collateral-free cash loans. Licensed by Indonesia's Financial Services Authority (OJK) and downloaded millions of times.
- **Peso Chido** — SuperAtom's digital lending brand for Latin America, extending its microloan and digital credit model to underserved consumers in Mexico and the broader region.
- **AI & Big Data credit engine** — Underlying technology stack that uses artificial intelligence and big-data analytics to assess creditworthiness of thin-file borrowers and approve and disburse small loans within minutes.

## Achievements

- Obtained an OJK (Indonesia Financial Services Authority) license for UangMe in 2018.
- Reached roughly 9 million registered users.
- Disbursed over US$684 million in cumulative loans.
- Raised US$46 million cumulatively from Gobi Partners, Cheetah Mobile, and Nue3 Capital.
- Reported valuation of approximately US$370 million after its Series C.
- Secured a financing/lending license from the Philippines Securities and Exchange Commission.
- Expanded from Southeast Asia into Latin America with the Peso Chido brand.

## Latest updates

- **2022-08** — SuperAtom announced plans to expand into South America following its US$22M Series C, starting with Mexico and its Peso Chido brand.
- **2022-07** — Closed US$22M Series C led by Malaysian investment firm Nue3 Capital, reportedly valuing the company at ~US$370M.
- **2019-09** — Raised US$24M in a round led by Gobi Partners with participation from Cheetah Mobile.

## Links

- Website: https://www.superatomfin.com
- LinkedIn: https://www.linkedin.com/company/superatom

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Profile page: https://yespress.io/superatom-fintech
Published by YesPress — https://yespress.io
Last updated: 2026-07-25