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.">
Atome
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Atome

https://www.atome.sg/
Last activity: 15.09.2026
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Categories: AppBrandE-commerceFinTechInterestOnlineOwnServiceShopTime
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.
Likes
385.14K
Website visits
83.6K /mo.
Mentions
37
Location: Singapore
Employees: 501-1000
Total raised: $356M
Founded date: 2019

Funding Rounds 5

DateSeriesAmountInvestors
25.06.2024-$100M-
09.01.2024-$31M-
17.08.2023-$100M-
03.05.2023-$80MNorthstar ...
03.07.2022-$45M-

Mentions in press and media 37

DateTitleDescription
15.09.2026Grab Pays $1.49B for Atome’s AI: Lender That Banks Can’t Copy in Southeast AsiaBy 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
09.02.2026Save Big, Win Big: RM8,888 Up for Grabs at PolicyStreetDrivers 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...
30.12.2025PolicyStreet Offers Uncapped 10% Car Insurance Savings with '10+10' PromoThe '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...
07.11.2025MoEngage Gets $100 Million to Scale Marketing AI Agents and Accelerate Expansion in North America, SEA & ANZThe 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...
09.10.2025Helport AI and Atome Deepen Strategic Partnership Following Top Performance RankingLimited, 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...
11.07.2025OceanBase Recognized as an Asia/Pacific Customers' Choice for the Second Consecutive Year in the 2025 Gartner® Peer Insights™ Voice of the Customer for Cloud DBMSSINGAPORE, 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...
29.03.2025Why I’m not a fan of 'buy now, pay later' servicesNew: 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...
04.03.2025Atome partners OceanBase database solution to power secure, high-performance growthSINGAPORE, 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...
08.11.2024Cybersecurity and FinTech: A Tale of Two ExpansionsIn 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...
06.11.2024ASEAN FinTech funding grew more than 10-fold in past decade, GenAI and Quantum Computing to power new era: FinTech in ASEAN 2024 reportOptimism 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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