# Atome

Atome is an Asset Manager based in Singapore, Singapore.

## Overview

- **Organization type:** Asset Manager
- **Headquarters:** Singapore, Singapore
- **Region:** Asia
- **Assets under management:** Undisclosed
- **Website:** atome.sg
- **LinkedIn:** https://www.linkedin.com/company/atome

## Regulatory record

- **Reports private funds:** No

## About

Atome operates a digital consumer financing platform that offers flexible payment solutions at popular online and offline retailers. It forms part of Atome Financial, a fintech company based in Singapore that promotes financial inclusivity through AI technology. Operations span South and Southeast Asia and Greater China.

## Sectors

- FinTech

## Questions

### How does Atome's payment structure work for consumers?

Atome splits eligible purchases into three interest-free payments, with the first due at checkout and subsequent payments scheduled over the following months. For consumers who want more time, the platform also offers extended installment options that carry a small fee. All payment tracking and management happens inside the Atome mobile app.

### What does Atome+ offer beyond the core BNPL product?

Atome+ is a loyalty tier that layers cashback rewards, exclusive redemption opportunities, and premium experiences onto the base payment service. Members earn points that can be used across shopping, dining, and travel categories. The program also includes in-app games that let users spend loyalty points for prize opportunities.

### Is Atome a regulated financial institution in Singapore?

Atome does not publicly disclose its regulatory status or licensing on its consumer-facing website. BNPL providers in Singapore have operated under an industry code of practice rather than direct prudential regulation during the platform's active period, though the Monetary Authority of Singapore has signaled evolving oversight for the sector.

### Does Atome partner with external funders or warehouse facilities for its receivables?

Atome has not publicly disclosed its funding structure, credit facility relationships, or receivables financing arrangements. For BNPL operators, typical capital sources include bank warehouse lines, asset-backed securitizations, or balance-sheet funding from a parent entity — none of which Atome has confirmed.

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Last updated: 2026-07-11T16:14:52.000Z

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