Liquid Group RoamQR Cross-border QR Network

Liquid Group is a MAS-licensed fintech headquartered in Singapore that focuses on cross-border digital payments. It operates the RoamQR network, takes part in Singapore's SGQR+ initiative, and also offers QR acceptance for Singapore retailers, wallet-as-a-service, real-time remittance and B2B global collections and payments.

RoamQR is an interoperability network that lets customers pay overseas with their usual local apps while merchants accept them through a single QR code. A QR translator reads different QR formats from e-wallets, national QR schemes and card-linked wallets, unified switching routes transactions between Singapore and international payment systems, and a harmonised rulebook sets operating rules for participating wallets, acquirers and schemes. Partners connect through an API. In July 2026 RoamQR was linked with Vietnam's NAPAS so that Singapore app users can pay at VietQRGlobal merchants in Vietnam.

• QR translator: Reads and converts QR formats from wallets, national schemes and card-linked apps.
• Unified switching: Routes transactions between Singapore and international payment systems.
• Harmonised rulebook: Sets common operating rules for wallets, acquirers and schemes.
• API onboarding: Lets partners join the network through a single integration.
• Merchant QR acceptance: Provides QR payment acceptance for Singapore retailers.
• Wallet-as-a-service: Supplies embedded wallets for app operators.

Hotels, restaurants and shops in Vietnam that display VietQRGlobal can accept payments from Singapore app users. A Vietnamese bank or payment intermediary can work with Liquid Group on outbound QR payments for Vietnamese travellers in Singapore. A regional wallet operator can reach Vietnamese and Singapore merchants through one integration.

Merchants can serve foreign visitors without displaying multiple QR codes or training staff on each wallet. Payment apps and acquirers gain access to merchants in more than nine Asian countries through one API integration rather than separate bilateral links. In the Vietnam corridor, payments are processed in real time with direct conversion between SGD and VND.

ASEAN central banks are linking national QR systems so travellers can pay with home apps, and NAPAS has extended cross-border QR connectivity to six countries. Vietnam's tourism recovery increases demand for networks that let foreign visitors pay local merchants in real time.

Headquartered at Valley Point, River Valley Road, Singapore, and described as a MAS-licensed fintech. Displays PCI DSS and ISO 27001 marks and is a Code Adherent to the Singapore FinTech Association Payments Industry Code of Conduct. Launched the Vietnam–Singapore cross-border QR service with NAPAS and VietinBank in July 2026, reaching about 3 million users initially.