MatchMove Banking Wallet OS

MatchMove is a Singapore-based embedded finance and Banking-as-a-Service provider licensed by the Monetary Authority of Singapore as a Major Payment Institution. Under the tagline A Bank in Any App, it lets fintechs, digital banks, corporates and platforms add accounts, cards and payments to their own apps without becoming a bank.

Its Banking Wallet OS is API-first and offers virtual accounts as a stored-value ledger for collections, branded card issuing with just-in-time funding controls, cross-border payouts to more than 200 countries and direct SGD FAST membership for instant transfers. Use cases include corporate expense, BNPL, SME lending, global payroll, creator payouts and maritime crew payments, with launches across Singapore, the Philippines, Japan, Indonesia, Thailand and Vietnam.

• Virtual accounts: Provides stored-value ledgers for collections and customer balances.
• Card issuing: Launches branded Mastercard and Visa programmes with just-in-time funding.
• Cross-border payouts: Sends payments to more than 200 countries.
• Instant SGD transfers: Uses direct FAST membership for real-time Singapore dollar payments.
• Mobile wallet support: Enables Apple Pay and Google Pay on issued cards.
• Vertical programmes: Packages BNPL, SME lending, payroll and maritime crew payment use cases.

A Vietnamese crewing agency could pay seafarers abroad through prepaid cards and cross-border payouts. A regional e-commerce or ride-hailing platform could issue branded cards to drivers and merchants. A Vietnamese company with staff overseas could run multi-country payroll.

Partners launch financial products under their own brand while relying on MatchMove's licences and PCI DSS 4.0.1 certified infrastructure. MatchMove reports more than 3 million virtual accounts created, 6 million co-branded cards issued, USD 7 billion in payouts processed and over USD 5 billion in 2025 volume across more than 100 clients.

Embedded finance is spreading across Southeast Asia as super apps, payroll platforms, lenders and pawnbrokers want accounts and cards inside their own customer journeys. Licensed BaaS providers let these brands launch quickly while regulators keep oversight of stored value and cross-border flows.

Singapore company with more than 15 years in embedded finance. Licensed by MAS as a Major Payment Institution, Mastercard licensed issuer and Visa Direct issuer in Singapore. PCI DSS 4.0.1 certified with over 10 years of continuous compliance. Received the Asian Banking & Finance Fintech Infrastructure Award – Philippines in October 2026. Founding year not stated on the website.