INFT. is a Singapore-based one-stop business solutions platform designed to empower entrepreneurs in Asia. From the convenience of a Digital Business Account, the ease of transacting with a virtual Visa Business Card, to financing your business needs with a Business Cashline, Local Money Transfer via FAST, International Money Transfer that’s up to 8x cheaper than traditional banks, a bird’s eye view on Spend Management, and effortless Collect Payments feature – INFT. levels the playing field for businesses in any sector to access efficient, transparent financial solutions – all from a single platform.

INFT. currently operates in Singapore only, so for now, any business incorporated in Singapore can open an account with us. In the future, we’ll branch out to other markets in Southeast Asia. Please keep an eye on this space.

At INFT., we are on a mission to empower registered businesses in any field, to reach their financial goals. Whether you’re a micro, small or medium enterprise, we understand the struggles of entrepreneurship and we’re committed to bridging the gap between your business needs and access to the right solutions to help boost your growth.

You can still register for the INFT. Digital Business Account. However, you will not qualify for our INFT. Business Cashline feature as this requires a credit check.

There are a number of reasons why your registration on the INFT. platform would’ve been unsuccessful. We require a list of documents, verification of your identification, and proof that you are affiliated with the company for which you are applying. Should you fail to provide any of these, we will not be able to approve your registration. In this case, you will receive a notification via email outlining the reasons for denial.

Registration takes a few minutes. Do follow these steps:

1. Verify your phone number
2. Fill in the details as requested; or use Singpass for a quicker onboarding
3. Upload required documents
4. Once registered, you will hear from us.

Any business incorporated in Singapore can open an account with us. In the future, we will also open the platform to other countries in Asia. Please refer to the Terms and Conditions.

You would need the following documents:
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1. Personal identification
2. Business registration details
3. Proof of address
4. Any other documents as requested by the INFT. Team

You would need the following documents:

1. Personal identification
2. Business registration details
3. Proof of address4.Bank statements (latest 3 months)
5. Any other documents as requested by the INFT. Team

Android
1. Open the Settings and go to "Apps".
‍2. Select "INFT app" and tap "Storage".
‍3. Tap "Clear cache". If the toggle next to it is green, tap to clear the app's cache.
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iPhone
1. Open the Settings and go to "Apps".
‍2. Tap "General" and go to "iPhone Storage".
‍3. Select "INFT app" and tap "Offload App."‍

On the Money Transfer module, select “Local Payments”. You will be prompted to select a beneficiary. If you do not have a beneficiary, you can add a new one by clicking on the “Add Beneficiary” button.- Once you have selected a beneficiary, input the details and click continue- Review your transfer details- Click “Make Payment” to confirm the fund transfer- You will be prompted for an OTP verification before the transfer is completed

Our local transfer is absolutely free, so you will not be charged.

On the Money Transfer module, select “International Payments”. You will be prompted to select a beneficiary. If you do not have a beneficiary, you can add a new one by clicking on the “Add Beneficiary” button.

- Once you have selected a beneficiary, input the details
- By selecting the “Fixed” option on either the  sending currency or receiving currency, you can set the rate that will remain unchanged upon the fund transfer. E.g. if you fix the sending currency at 10,000 SGD, the amount will remain the same, irrespective of the FX rate or conversion amount.
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- After inputting the details, click “continue”
- Review your transfer details
- Click “Make Payment” to confirm the fund transfer
- You will be prompted for an OTP verification before the transfer is completed

On the Money Transfer module, select “Local Payments”. You will be prompted to select a beneficiary. If you do not have a beneficiary, you can add a new one by clicking on the “Add Beneficiary” button.

- Once you have selected a beneficiary, input the details and click continue.
- Review your transfer details
- Click “Submit Request” to send a request to the Director for the fund transfer execution
- You will be prompted for an OTP verification before the request is sent

On the Money Transfer module, select “International Payments”. You will be prompted to select a beneficiary. If you do not have a beneficiary, you can add a new one by clicking on the “Add Beneficiary” button.

- Once you have selected a beneficiary, input the details
- By selecting the “Fixed” option on either the sending currency or receiving currency, you can  set the rate that will remain unchanged upon the  fund transfer. E.g. if you fix the sending currency at 10,000 SGD, the amount will remain the same, irrespective of the FX rate or conversion amount.
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- After inputting the details, click “continue”
- Review your transfer details
- Click “Submit Request” to send a request to the Director for the fund transfer execution
- You will be prompted for an OTP verification before the request is sent

You can add a beneficiary by going to the Money Transfer module and clicking on “Beneficiary”. Then, follow these steps:

1. Click the “Add beneficiary” button and it should take you to the beneficiary onboarding page.
2. Input the information requested
3. After filling in the details, you will be prompted to input your PIN to confirm adding a new beneficiary.

- Click on “Beneficiary” on the Money Transfer module, select an added beneficiary
- You will be shown the beneficiary details, along with a trash bin icon
-  Clicking on this icon will permanently remove the beneficiary from your list

- Click on “Beneficiary” on the Money Transfer module, select an added beneficiary
- You will be shown the beneficiary details, along with an “Edit Details” button
-  Clicking on this icon will allow you to edit certain fields. Once edited, you can save the changes made and they will be reflected immediately.
- Note that certain fields cannot be edited, in which case you will have to create a new beneficiary

- Click on “Collect Payment” on the Money Transfer module
- If you are collecting payments for the first time, you will need to activate the option by clicking on the “Activate now” button within the prompt banner
- The INFT. team will reach out to you shortly thereafter.
- For a new collection, click on the “Collect Payment” button on the Money Transfer module
- Input the amount, upload the invoice and write a description if any
- Click “Generate Link”
- Copy the link generated or use one of the provided options to forward the link to the intended sender of your payment.

For any customer transactions, you will receive the money in your INFT. Digital Business Account.

This feature is not currently available on our platform. We know how important it is for any business to utilise QR codes in customer transactions, and we are working very hard to make it happen ASAP. Please bear with us and watch this space for further updates.

If it is SGD to SGD from a local bank with FAST transfer, then the money will be transferred on a real time basis. If you are receiving money from any bank abroad, in a different currency than SGD, it will take a few days depending on the banking rules of the sending country.

Please note that:

1. Some banks do not process payments during holidays and weekends
2. Incorrect bank account details might hamper the money transfer
3. Payment regulation checks on your transfer might cause some delay

The virtual INFT. Visa Business Card enables you to make transactions globally, top up and pay with ease, and access special Visa offers for your business as you spend.

The INFT. Visa Business Card offers businesses: Easy top up, lowest foreign exchange fees (up to 6x cheaper than banks), easy payments which can be integrated with Google Pay and cost savings for your business with offers from Google, Shopify, Microsoft Office, and more.

When you are onboarding for the INFT. Digital Business Account, once your registration is approved, you automatically get a virtual Visa Business Card. You don’t have to apply separately.

Since the INFT card is powered by NIUM, when you add your card to any e-commerce or online sites, it will show as NIUM PTE LTD.

-Save 10% on Microsoft Office 365 Business Standard packages
-100% cashback for your first $100 spend on Google Ads
-Get $1,250 worth of services from Shopify​
Click here to view more Visa offers

- Click on Top Up in the INFT. Visa Business Card module
- Enter the amount to be added, add a message (optional) and click “Confirm”
- If you do not have sufficient balance in your account, you will be prompted with a “Transaction Failed” popup.
- If you have sufficient funds available, you will be prompted to verify your OTP
- Once your OTP is verified, your funds will be added to your INFT. Visa Business Card soon after.

- An employee has to send a top-up request to the appointed director of the company
- Click on the “Top Up Request” button in the INFT. Visa Business Card module
- Select an employee’s name from the “Pending” tab
- Review the request details and click “Approve” or “Decline”
- Once declined, the employee will have to send a new request for approval

You can still pay via Google Pay - Tap & Pay with your NFC enabled phone.

You need to go to Google Pay and click on Add Card. Enter the details of your card. Please note, it’s a one-time integration which you can utilise at any time to Tap & Pay for purchases at a POS
– if your phone is NFC enabled. ​If you face any issues, please contact us at cs@inft.co

You cannot add multiple virtual cards for yourself. You can issue unlimited cards for your employees, i.e., you can issue one virtual card for each employee in your company.

By signing up for INFT., you get a virtual card absolutely free! You can use it for online purchases or even integrate it with Google Pay to Tap & Pay.

You are only charged when you make an FX transaction (i.e., spending in any other currency than SGD) – 0.6% spend on FX (up to 6X cheaper than banks)

In case you forget your PIN, you will need to contact cs@inft.co

1) Go to Money Transfers
2) Select “Payment request”
3) Fill in the transfer details and attach supporting documents
4) Choose a director to submit for approval
5) Click continue
6) Review the transfer details before submitting your request
7) You will be prompted for an OTP verification before the request is sent  
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Local Money Transfer
1)  Select a beneficiary
2)  Fill up the details required
3)  Review your transfer details
4)  Click submit request
5)  Key in the 6-digit code / OTP sent via your registered mobile number

International Money transfer
1) Select a beneficiary
2) Select the beneficiary currency you would want to transfer money to
3) Fill up  the details required
4)  Review your transfer details
5)  Click submit request
6)  Key in the 6-digit code / OTP sent via your registered mobile number

1) Select the Money Transfer tab in the homepage
2) Fill up details required
3) Key in the 6-digit code / OTP sent via your registered mobile number

1) Select teams tab in the homepage
2) Select a team member
3) Review request details
4) Click approve or decline request

1) Select teams tab in the homepage
2) Select a team member
3) Review request details
4) Click approve or decline request

1) Click on Teams in homepage
2) Select add member
3) Fill in their details
4) Click submit
5) Sign and click continue
6) Your team member will be notified

1) Click on Teams in homepage
2) Select all members
3) Select pending approval
4) Review their details
5) Sign and click continue
6) Your team member will be notified

1) Click on Teams in homepage
2) Select add member
3) Fill in their details
4) Click submit for director’s approval

You can choose from our fixed payment or flexible payment cashline facilities.

Fixed payment gives you the option to make repayments between 6-12 months with an interest rate of 1.7%-2%. Flexible payment lets you make repayments monthly with a minimum of 10% or S$200 (whichever is higher) with a daily interest charge of 0.072%.
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- You can apply for a Business Cashline here

No, you do not need collateral to avail cashline for working capital loan purposes.

Our analytics based 100% digital credit assessment engine can make a decision and get back to you in terms of approval of loan in as little as 3 business hours.

In the Business Cashline module, you can see the application status - ‘pending’ / ‘rejected’ or ‘approved’If your application is approved, the screen shows the amount (credit line) available for drawdown to you. You will also receive an email notifying you of the approval status.

Fixed ​
To make a fixed cashline withdrawal request, you would need to :
1) Click on make withdrawal
2)  Choose the fixed payment option.  
3)  Choose 6 months or 12 months tenor
4)  Confirm your withdrawal details


Flexible ​
To make a flexible cashline withdrawal request, you would need to :
1) Choose the flexible payment option.  
2)  Confirm your withdrawal details
Business cashline module - click on either fixed / flexible withdrawal as per your requirement.

Available credit balance is the balance that is available to you for drawdown (withdrawal).

Total approved credit is the cashline limit (powered by Cash-IN-Asia) assigned to your company to withdraw and use.

Repayment history shows you all your repayments with the status of application.

Repayment statement or "Statement" is the monthly bill that shows you what you need to repay in detail for each ongoing withdrawal.

Withdrawal history shows you all your current and previous withdrawals that you’ve made.

To view your repayment statement, click on credit then click on statements.

We accept repayment via direct bank transfer or direct bank deposit. You can also make the repayment via PayNow. Please note, we do not accept cheques.

Yes, you can and there are no early repayment charges.

A one time late fee of $150 will be levied, as well as an increase in the applicable interest rate to 35% per annum, if you are unable to make minimum payment, until 6 consecutive minimum payments are made.

Each account can only draw down up to 4 Term loans. Should you need to make any subsequent withdrawals, you would need to fully settle one of the 4 term loans. Do contact our CS if you need any further assistance. 

Once your application has been processed and your Business Cashline is approved, your funds will be disbursed within 3-5 working days.

Once your request has been approved and the funds are ready to be disbursed, you will receive an official notification from the INFT. team via email.

We have a default expense category, but if you wish to add your own expense categories, you can go to "custom tags" and then add them there.

Click on the export button to export your business expense report.

We store all spend management reports without a time limitation or expiry.

We comply with the data protection act of Singapore. We entrust the highest security encryption and access protocols like 2FA to ensure the safety of your data.

In case you have lost access to your account, or feel there is some kind of compromise to your information, please report to us at cs@inft.co immediately and we will lock your account instantly.

Yes, your funds are safeguarded in a trust account with a tier-1 bank, in accordance with PSA, MSA guidelines.