Atome is a leading "buy now, pay later" brand in Asia that splits consumers' bills into three equal, zero interest payments over time. Pronounced as "A-To-Me", short for "Available to Me", Atome partners over 5,000 online and offline retailers across key verticals such as fashion, beauty, lifestyle, fitness and homeware in offering their consumers choice, flexibility and convenience in how they choose to shop and pay. Our service is available in Singapore, Malaysia, Indonesia, Vietnam, Thailand, Philippines, Hong Kong, Taiwan and mainland China.
Our three core brand pillars are "aspirations, access and advice", and our goal is to empower a new generation of tech-savvy consumers by giving them smarter access to their aspirations.
Our tagline, “Time to Own It”, plays on the core concept of time; in how Atome helps people to pay and afford products and services over time, but at a deeper level, it’s also an immediate call to action for consumers to own their deepest passions and aspirations.
Atome is part of Advance Intelligence Group, a Series-D AI-driven technology company headquartered in Singapore, with operations across South and Southeast Asia, Latin America and Greater China. Advance Intelligence Group is ranked No. 1 on LinkedIn’s 2021 Top Startups List in Singapore.
At the heart of our Group vision is an AI-powered and credit-enabled marketplace ecosystem driving both digital commerce and digital financial services across Asia. In so doing, this will accelerate the digital transformation of enterprises and merchants, big and small, while enabling more equitable access to credit and financial inclusion for both underbanked and underserved consumers and businesses.
Our three core brand pillars are "aspirations, access and advice", and our goal is to empower a new generation of tech-savvy consumers by giving them smarter access to their aspirations.
Our tagline, “Time to Own It”, plays on the core concept of time; in how Atome helps people to pay and afford products and services over time, but at a deeper level, it’s also an immediate call to action for consumers to own their deepest passions and aspirations.
Atome is part of Advance Intelligence Group, a Series-D AI-driven technology company headquartered in Singapore, with operations across South and Southeast Asia, Latin America and Greater China. Advance Intelligence Group is ranked No. 1 on LinkedIn’s 2021 Top Startups List in Singapore.
At the heart of our Group vision is an AI-powered and credit-enabled marketplace ecosystem driving both digital commerce and digital financial services across Asia. In so doing, this will accelerate the digital transformation of enterprises and merchants, big and small, while enabling more equitable access to credit and financial inclusion for both underbanked and underserved consumers and businesses.
Location: Singapore
Employees: 501-1000
Total raised: $356M
Founded date: 2019
Funding Rounds 5
| Date | Series | Amount | Investors |
| 25.06.2024 | - | $100M | - |
| 09.01.2024 | - | $31M | - |
| 17.08.2023 | - | $100M | - |
| 03.05.2023 | - | $80M | Northstar ... |
| 03.07.2022 | - | $45M | - |
Mentions in press and media 37
| Date | Title | Description |
| 15.09.2026 | Grab Pays $1.49B for Atome’s AI: Lender That Banks Can’t Copy in Southeast Asia | By Daniel Butler Published: Sep 15 2026, 2:59 PM EDT Share on Facebook Share on Twitter Share on LinkedIn Share on Reddit Share on Flipboard |
| 09.02.2026 | Save Big, Win Big: RM8,888 Up for Grabs at PolicyStreet | Drivers who renew their car insurance with PolicyStreet this February stand a chance to win RM8,888 in cash, while enjoying additional festive savings through the 10+10 Promotion and Free Road Tax offers. KUALA LUMPUR, Malaysia, Feb. 9, 202... |
| 30.12.2025 | PolicyStreet Offers Uncapped 10% Car Insurance Savings with '10+10' Promo | The '10+10' Promo combines a 10% discount on car insurance and an additional RM10 at checkout, with FREE road tax available towards the end of each month. KUALA LUMPUR, Malaysia, Dec. 30, 2025 /PRNewswire/ -- PolicyStreet is rolling out its... |
| 07.11.2025 | MoEngage Gets $100 Million to Scale Marketing AI Agents and Accelerate Expansion in North America, SEA & ANZ | The investment, led by Goldman Sachs Alternatives and A91 Partners, will strengthen MoEngage's leadership across North America, SEA & ANZ, amid growing global demand for next-generation AI-powered marketing technology. SYDNEY, Nov. 7, 2... |
| 09.10.2025 | Helport AI and Atome Deepen Strategic Partnership Following Top Performance Ranking | Limited, an AI technology company serving enterprise clients with intelligent customer communication software and services, is pleased to announce the expansion of its partnership with Atome, one of Southeast Asia’s leading Buy Now, Pay Lat... |
| 11.07.2025 | OceanBase Recognized as an Asia/Pacific Customers' Choice for the Second Consecutive Year in the 2025 Gartner® Peer Insights™ Voice of the Customer for Cloud DBMS | SINGAPORE, July 11, 2025 /PRNewswire/ -- For the second consecutive year, OceanBase has been peer-recognized as an Asia/Pacific Customers' Choice and a global "Strong Performer" in the 2025 Gartner Peer Insights™ Voice of the Cust... |
| 29.03.2025 | Why I’m not a fan of 'buy now, pay later' services | New: You can now listen to articles. This audio is generated by an AI tool. At the risk of sounding like a tech-challenged grandmother, I confess that the rapid rise of "buy now, pay later" (BNPL) services in Singapore has been ra... |
| 04.03.2025 | Atome partners OceanBase database solution to power secure, high-performance growth | SINGAPORE, March 4, 2025 /PRNewswire/ -- OceanBase, a leading provider of multi-cloud distributed database systems, today announced a collaboration with Atome, Southeast Asia's largest buy-now-pay-later provider and a comprehensive provider... |
| 08.11.2024 | Cybersecurity and FinTech: A Tale of Two Expansions | In the digital age, two sectors are rising like twin suns: cybersecurity and FinTech. Both are expanding rapidly, fueled by innovation and investment. As Forgepoint Capital sets its sights on Europe, Latin America, and Israel, the ASEAN Fin... |
| 06.11.2024 | ASEAN FinTech funding grew more than 10-fold in past decade, GenAI and Quantum Computing to power new era: FinTech in ASEAN 2024 report | Optimism in ASEAN's FinTech scene as Singapore and Thailand draw top funding this year. SINGAPORE, Nov. 6, 2024 /PRNewswire/ -- Funding for Financial Technology (FinTech) in ASEAN has surged more than 10 times since 2015[1], growing at an e... |
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