Fintech payments

OctiFi

Website
Founded 2019Origin source ↗Checked 2026-09-15

Overview

We empower commerce with instant 0% interest loans for responsible spenders. Consumers can now renovate their dream homes or buy furniture online with an extended budget and pay later at no extra cost.

Company description As recorded 2026-11-08

Founders & team

Ed Chin

Founder

Ed Chin, based in Singapore, pioneered AI-driven credit underwriting for "buy now pay later" platform OctiFi (YC W21), driving its acquisition by Latitude Financial. A Yale graduate in Economics and Mathematics, Ed previously traded billions in distressed credit on Wall Street. Now, he's leveraging his expertise to revolutionize green asset financing across APAC with a new credit-focused platform backed by climate tech investors.

Founder profile As recorded 2026-09-15

Amit Kumar

Founder

I've strong experience in building and leading high performance engineering teams. Backend engineering comes easy to me, UI and UX are close to my heart and I keep a great deal of focus on how things are presented to the user.

Founder profile As recorded 2026-09-15
11team members reported
Source-reported As recorded 2026-09-15

Founded 2019 · Source

News & product activity

Sources & observations

Y Combinator

Profile depthverified profile
Website observationwebsite reachable
Last website check2026-11-11
Location · source statedSingapore, Singapore
Pricing evidenceNo pricing page confirmed
Maturity: Not assessed · 3 of 6 areas documented

Source-based assessment · automated evidence rules

The source reports an inactive or acquired company; current product identity needs review.

Maturity is an evidence-based assessment, not a success rating. It may understate the current stage where evidence is limited. Coverage records documented areas, not a complete or independently audited company history.

Stage definitions
independent websitesource corroborationreachable websitedescriptive evidenceclassified market and modelsourced peoplesourced founding year