Atome & Maya Loan Deal Eyes Financial Inclusion

Southeast Asian digital finance platform Atome and Philippine digital bank Maya Bank have sealed a Pesos 2.75 billion (USD 48 million) loan channelling tie-up to enhance access to credit for underserved communities in the Philippines.

The deal sees Maya Bank offer funding, which will be utilized by Atome to extend credit to qualifying consumers on its platform. The initiative focuses on responsible, risk-managed, and transparent lending as both companies strive to enhance financial inclusion in the digital economy of the country.

“We are deeply honoured to partner with Maya Bank, a true trailblazer in digital banking. This partnership helps make products and services truly ‘Available-To-Me’ for millions of Filipinos.” said Christian Quiros, president and country general manager of Atome Philippines.

Key highlights:

Maya Bank will provide Pesos 2.75 billion (USD 48 million) in funding to Atome to expand access to credit for underserved Filipino consumers through its digital platform
The partnership emphasizes risk-managed, transparent, and responsible digital lending practices, supporting financial inclusion in the Philippines
This tie-up is part of a broader effort to build a resilient, inclusive digital financial ecosystem, leveraging technology to deliver fast and secure financing solutions

Maya Bank, which opened for business in 2022, will manage lending activities. As a registered digital bank, it presently offers holistic financial products like deposits, credit, and saving through channels like the Maya app, Maya Business, and Maya Centre.

“We are excited to partner with Atome to grow credit access. Through this partnership, digital technology is used to deliver quick, secure, and responsible lending into the hands of under-banked consumers." said Maya Bank President Angelo Madrid.

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Atome, which was established in Singapore in 2019, has grown from being embedded financing to providing cards, loans, insurance, and savings. In 2024, it registered more than USD 2 billion of Gross Merchandise Volume (GMV), reaching more than USD 4 billion annualised GMV in mid-2025.

The collaboration is part of a larger initiative to develop a more resilient and inclusive digital financial ecosystem for the Philippines.