ai-lending
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Upstart
Upstart wants to replace the blunt instrument of conventional credit scoring with a learning system that prices each borrower more precisely. Its next test is larger than approval rates: proving an AI marketplace can grow through a full credit cycle without becoming the bank it once said it did not need to be.
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.
Siam Digital Lending
Siam Digital Lending (SiamDL) is a Bangkok-based, Bank of Thailand-licensed digital lender that uses agentic AI to approve and disburse personal and nano-finance loans entirely online - no branches, no paperwork. Its proprietary AiTHENA underwriting engine analyzes thousands of data points to extend responsible credit to Thais often shut out of the formal banking system, with the explicit aim of pulling borrowers out of the reach of loan sharks. The company raised an oversubscribed $7.8M Series A in April 2026.