Money20/20 Asia Unveils Six Bold Startups Defining the Next Generation of Fintech

Money20/20, the world’s leading fintech show and the place where money does business, held its anticipated Startup Media Session on April 23rd at Money20/20 Asia in Bangkok at QSNCC. Six startups took the spotlight, each with a transformative solution poised to reshape industries—from wealth management and payments to Web3, construction finance, and hospitality.

This year’s selection reflects the depth and diversity of fintech across the region, from AI-driven investment tools and decentralized brokerage platforms to fintech tailored for restaurants, infrastructure, and digital ecosystems.

Scarlett Sieber, Chief Strategy & Growth Officer at Money20/20, noted, “These are the builders, thinkers, and doers reshaping our financial landscape. This year’s Startup Media Session is a powerful platform for the next wave of fintech leaders to share their vision with the global community.”

One of those leaders is Adam Rubin, Founder & CEO of OmniWave, a WealthTech startup using machine learning to power next-gen investment intelligence. Rubin shared, “The future of WealthTech is being reimagined through the powerful fusion of AI, data, and actionable market intelligence. The OmniWave technology thrives in the volatile markets of today. This media session is an opportunity to broaden our global exposure, and to establish ourselves as the top choice for global allocators seeking transformative solutions.”

Riverchain, a fintech company addressing the unique needs of the construction industry, is using its proprietary technology to provide seamless access to working capital while increasing supply chain transparency.

“At Riverchain, we’re redefining the intersection of fintech and construction with our innovative working capital solutions,” said Ben Wong, CEO of Riverchain. “Money20/20 plays a pivotal role in empowering fintech startups like ours to gain visibility. Thanks to this platform, we can share how Riverchain is transforming financial infrastructure for businesses worldwide.”

Also joining the session was Papaya, a fast-growing startup revolutionizing restaurant and bar operations across Southeast Asia with a modern point-of-sale and payments system that drives guest engagement, inventory optimization, and smarter service. “We’re honored to be selected by Money20/20 as one of the six startups disrupting our industry,” said Kush Sophia, CEO of Papaya. “This recognition is a fantastic opportunity to showcase how we’re reshaping the way restaurants and bars operate through smarter payments and data-driven insights.”

Coded Solutions, a deep-tech innovator, is leading the charge in combining Web3 and AI technologies to build collaborative digital ecosystems. “Coded Solution is proud to announce its participation at Money20/20 Asia, marking a transformative milestone on the global stage,” said Goh Yuen Khai, CEO of Coded Solutions. “We are pioneering innovations in Web3 and AI while shaping the digital infrastructure that will propel businesses worldwide into the future.”

Giraffe AI Labs is a Web3-native fintech bridging traditional and decentralized markets through a quant-powered brokerage platform. With tools like ROGup, a crypto earning service, and ROGer, a step toward a fully Web3-native brokerage, the company is rooted in transparency and decentralization. As the Giraffe team put it, “At Giraffe AI Labs, we’re not just imagining the future of the Web3 finance ecosystem — we’re building it, with deep roots in AI-driven quant strategies and global experience. Money20/20 Asia is where bold ideas meet real momentum — a perfect stage to introduce our next steps. As always, we’re in full Giraffe Mode: eyes up, future-focused,” said Jason Cho, CEO of Giraffe AI Labs.

Payd, a rising fintech with over 100,000 users in Malaysia and Thailand, is redefining workforce finance through instant Earned Wage Access and smart workforce management tools. By embedding financial services into daily work life, Payd helps both employees and employers thrive in the modern economy.

“It’s a privilege to be recognized at Money20/20 Asia,” said Darvesh Daswani, CEO of Payd. “We’re building tools that give people control over their money and help businesses manage teams with less stress, more transparency, and real impact.”

Payd, a rising fintech with over 100,000 users in Malaysia and Thailand, is redefining workforce finance through instant Earned Wage Access and smart workforce management tools. By embedding financial services into daily work life, Payd helps both employees and employers thrive in the modern economy.

“It’s a privilege to be recognized at Money20/20 Asia,” said Darvesh Daswani, CEO of Payd. “We’re building tools that give people control over their money and help businesses manage teams with less stress, more transparency, and real impact.”

From embedded finance to AI, Web3 to working capital, the Money20/20 Asia Startup Media Session continues to be the premier showcase for the innovators shaping what’s next. These six companies are united by a bold mission: to solve complex problems, break down silos, and accelerate the future of money.