8 August 2025, Singapore. Fingular, a global fintech holding headquartered in Singapore, announces the launch of a new embedded lending feature for AhaPay users, enabling seamless access to cash loans via Tambadana, one of Malaysia’s fastest-growing digital lenders.
Through this partnership, AhaPay users will gain prioritized access to Tambadana’s consumer financing, approved within minutes and offered on exceptionally favorable terms.
The application process will not take much time - a short questionnaire with a minimum number of fields to fill out is used to obtain a financing, which makes the process of obtaining it as convenient as possible. The new feature is fully integrated into the AhaPay ecosystem, offering a frictionless lending experience with expanded credit limits starting from USD 500.
The application process is fast and user-friendly, requiring only a valid ID. A simplified digital application form and Tambadana’s high approval rates ensure a near-instant decision, empowering users to address financial needs quickly and conveniently.
Fingular is able to build such products and new features effectively due to its adaptable IT stack, which can be tailored to meet the demands of each project. The company continuously expands the functionality of its products to provide clients with the most comfortable customer service experience.
The company's target customer base in the Malaysian market exceeds 15 million people, including casual wage earners, young professionals starting their careers, small business owners and entrepreneurs, and digital-savvy individuals — by providing accessible, fast, and relevant financial products tailored to their needs.
“This integration allows us to unlock additional value for our existing AhaPay customers by offering responsible, data-driven credit based on prior engagement within our BNPL ecosystem. The company will continue to work on developing smart solutions for personal finances that make the client's experience more comfortable.” - said Maxim Chernuschenko, CEO of Fingular.
“This launch marks a significant milestone in our journey toward building a next-generation neobank capable of offering a full suite of fintech services through a single, intuitive interface”, – added Vadim Gurinov, a Cypriot investor and strategic backer of Fingular.
About Fingular
Fingular is a global independent fintech company 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