About Atome
Atome is a company based in Singapore (Singapore) founded in 2016.. Atome has raised $31 million across 6 funding rounds from investors including HSBC, DBS Bank and BlackRock. Atome offers products and services including Atome App, Payment Splitting Service, and Atome+ Rewards. Atome operates in a competitive market with competitors including Klarna, Akulaku, Kredivo, Optty and hoolah, among others.
- Headquarter Singapore, Singapore
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Sectors
RetailFinancial Services
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Email
***********
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Phone
*********
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Website
*********
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Social
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- Legal Name Apaylater Financials Pte. Ltd.
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Annual Revenue
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Net Profit
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EBITDA
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Total Equity Funding
$31 M (USD)
in 6 rounds
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Latest Funding Round
$345 M (USD), Debt – Conventional
Jan 13, 2026
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Investors
HSBC
& 7 more
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Employee Count
Employee Count
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Products & Services of Atome
Atome offers a comprehensive portfolio of products and services, including Atome App, Payment Splitting Service, and Atome+ Rewards. The company's diverse product and service offerings are designed to meet the evolving needs of its customers, address market demands, and provide comprehensive solutions that drive value creation and customer satisfaction across various segments and use cases.
Mobile app for Buy Now Pay Later services with interest-free options.
Service to divide purchases into installments for online shopping.
Program offering cashback and rewards for partnered store transactions.
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Funding Insights of Atome
Atome has successfully raised a total of $31M across 6 strategic funding rounds. The most recent funding activity was a Debt – Conventional round of $345 million completed in January 2026. This substantial capital infusion reflects strong investor confidence in the company's business model, growth potential, and market opportunities. The funding enables strategic expansion, product development, market penetration, and operational scaling to drive long-term value creation and competitive advantage.
- Total Funding Total Funding
- Total Rounds 6
- Last Round Debt – Conventional — $345.0M
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First Round
First Round
(01 Jun 2022)
- Investors Count 8
| Date | Amount | Transaction Name | Valuation | Lead Investors | Investors |
|---|---|---|---|---|---|
| Jan, 2026 | Amount | Debt – Conventional - Atome | Valuation |
investors |
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| Jun, 2025 | Amount | Debt – Conventional - Atome | Valuation |
investors |
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| Feb, 2025 | Amount | Debt – Conventional - Atome | Valuation |
investors |
| Date | Amount | Transaction Name | Valuation | Lead Investors | Investors |
|---|---|---|---|---|---|
| Jul, 2021 | Amount | Post-IPO - Grab | Valuation |
investors |
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| Feb, 2021 | Amount | Post-IPO - Grab | Valuation |
investors |
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| Jan, 2021 | Amount | Post-IPO - Grab | Valuation |
investors |
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| Feb, 2021 | Amount | Post-IPO - Grab | Valuation |
investors |
Investors in Atome
Atome has secured backing from 8 investors, including institutional and venture fund investors. Prominent investors backing the company include HSBC, DBS Bank and BlackRock. This diverse investor base provides strategic capital, industry expertise, and valuable network connections that support the company's growth initiatives, market expansion, and long-term value creation.
| Investor | Description | Founded Year | Domain | Location |
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Venture debt financing is extended to companies across multiple sectors.
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Founded Year | Domain | Location | |
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Private debt fund focused on growth-stage technology companies
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Founded Year | Domain | Location | |
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An investment platform is provided for diverse sectors and geographies.
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Founded Year | Domain | Location |
| Investor | Description | Founded Year | Domain | Location |
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Single family office of Amitabh Bachchan, founder of Amitabh Bachchan Corporation or AB CORP
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Founded Year | Domain | Location | |
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Startup ecosystems are ignited through strategic investments by Signite Partners.
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Founded Year | Domain | Location | |
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Venture capital is directed toward companies in multiple sectors.
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Founded Year | Domain | Location | |
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Venture capital is invested in cybersecurity, fintech, and AI startups.
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Founded Year | Domain | Location |
Investments & Acquisitions by Atome
| Company Name | Description | Domain | Location | Founded Year | Amount |
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Bionic investment advisor platform
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2016 | ||||
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Fine Asian gourmet food is offered by an internet-first restaurant.
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2016 | ||||
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Physical e-commerce kiosks are deployed for rural purchases in Indonesia.
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2014 | ||||
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Fine Asian gourmet food is offered by an internet-first restaurant.
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2016 |
Financial Statements - Atome
| Date | Amount | Transaction Name | Valuation | Lead Investors | Investors |
|---|---|---|---|---|---|
| Jul, 2021 | Amount | Post-IPO - Grab | Valuation |
investors |
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| Feb, 2021 | Amount | Post-IPO - Grab | Valuation |
investors |
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| Jan, 2021 | Amount | Post-IPO - Grab | Valuation |
investors |
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| Feb, 2021 | Amount | Post-IPO - Grab | Valuation |
investors |
Atome Comparisons
Competitors of Atome
Atome operates in a dynamic and competitive business environment, facing competition from various established players and emerging companies in the market. The competitive landscape includes prominent companies such as Klarna, Akulaku, Kredivo, Optty and hoolah, among others. This competitive environment drives innovation, market differentiation, and strategic positioning as companies strive to capture market share and deliver value to their customers. Understanding the competitive dynamics is crucial for assessing market positioning, identifying growth opportunities, and navigating the challenges inherent in a competitive marketplace.
| Company Name | Domain | Founded year | HQ Location | Description |
|---|---|---|---|---|
| domain | founded_year | HQ Location |
Point-of-sale financing is facilitated through an online platform for purchases.
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| domain | founded_year | HQ Location |
Point-of-sale financing is provided for various consumer products via installments.
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| domain | founded_year | HQ Location |
App-based platform for purchase financing and instalment payments is provided.
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| domain | founded_year | HQ Location |
Point-of-sale financing software is offered to businesses via cloud APIs.
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| domain | founded_year | HQ Location |
Online purchases on e-commerce sites are financed through monthly EMIs.
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| Company Name | Domain | Founded year | HQ Location | Description |
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| domain | founded_year | HQ Location |
Multiple services are booked via an app-based platform.
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| domain | founded_year | HQ Location |
On-demand services are booked through an app-based platform.
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| domain | founded_year | HQ Location |
App based platform offering on demand delivery and ride-hailing services
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| domain | founded_year | HQ Location |
Operates an on-demand hyperlocal delivery app for food and groceries.
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Latest news on Atome
Frequently Asked Questions about Atome
When was Atome founded?
Atome was founded in 2016 and raised its 1st funding round 6 years after it was founded.
Where is Atome located?
Atome is headquartered in Singapore, Singapore.
Who is the current CEO of Atome?
Wawan Salum is the current CEO of Atome.
Is Atome a funded company?
Atome is a funded company, having raised a total of $31M across 6 funding rounds to date. The company's 1st funding round was a Debt – Conventional of $80M, raised on Jun 01, 2022.
What does Atome do?
Atome was founded in 2016 in Singapore and operates within the fintech and e-commerce sectors. An online marketplace is provided for various product categories, including beauty, fashion, home decor, baby care, and electronics. Buy-now-pay-later options and consumer financing solutions are offered to users. The platform is accessible via mobile applications on Android and iOS devices, serving customers primarily in the Asia-Pacific region.
What products or services does Atome offer?
Atome offers Atome App, Payment Splitting Service, and Atome+ Rewards.
Who are Atome's investors?
Atome has 8 investors. Key investors include HSBC, DBS Bank, BlackRock, Temasek, and Advance Intelligence Group.
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