Kuala Lumpur, Malaysia, November 10, 2025 — Fingular, a global fintech holding headquartered in Singapore, announces the launch of its new digital Smart Limit solution in Malaysia. This next-generation consumer finance product provides flexible access to funds for everyday needs and can be activated entirely online in just five minutes.
The Smart Limit is currently being launched in test mode, with existing Tambadana customers the first to access the service. It will soon also become available to AhaPay BNPL customers. Smart Limit will open to the general public in March 2026, and anyone will be able to apply.
Smart Limit is a modern alternative to traditional consumer financing tools, providing instant access to a personal spending limit. The service offers a fully digital onboarding and risk‑scoring process, enabling customers to complete the entire application and receive approval in under 5 minutes.The Smart Limit supports repayment via e-wallets, FPX transfers and direct debit from bank accounts. Additional features such as top‑ups, additional repayment options, and expanded usage channels will be launched soon to improve flexibility and convenience. The service offers a 30-day grace period and will soon introduce rewards and cashback programs.
“The Smart Limit product addresses a key need of Malaysia’s rapidly growing digital economy, where consumers actively use a wide range of fintech services. With this launch, we continue our expansion into the near-prime segment — a market that remains underserved or overlooked by traditional banks. At the same time, we see tremendous potential in this segment, both for business growth and for offering people services they genuinely need.
In the future, Smart Limit will become part of the Aha brand’s product portfolio, supporting the company’s strategy to build comprehensive fintech solutions that are accessible to everyone,” said Maksim Chernushchenko, CEO of Fingular.
About Fingular
Fingular is a global independent fintech holding headquartered in Singapore, established in October 2021. The company manages a diverse portfolio of fintech products, operating under its own brand or in collaboration with trusted local partners. Fingular currently operates in multiple markets, including Indonesia, Malaysia, India. The company offers fully digital financial products — including consumer financing, investment and savings products — tailored to meet local needs and cultural specifics.
Backed by an international team of experienced professionals across IT, product development, finance, and cybersecurity, Fingular is capable of launching operations in new markets within three months, thanks to its innovative approach and technological infrastructure.
Fingular was founded by serial entrepreneur Maxim Chernushchenko in partnership with Cypriot investor Vadim Gurinov.
The company’s mission is to build a full-service neo-bank that promotes financial inclusion across Asia and the Middle East, while ensuring seamless and user-friendly customer experience in the digital finance space.
Press Office Fingular pr@fingular.com