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Circle Asia
500 Global '25Founded 2025 · 21 employees on LinkedIn · 1 known investors
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Circle Asia is a Singapore-based company building a digital banking platform aimed at consumers across emerging Southeast Asian markets. Its services center on payments and access to credit for retail users.
Also known as Circle · Circle Asia Technologies Pte. Ltd. · Circle Vietnam Technologies
Founders & leadership
Circle Asia was founded in 2025 by Arnab Ghosh.
Investors · 1
How we know: a partner's Signal profile · open dataset · Top 3000 Accelerator Startups (no YC) 2026-08 · open dataset · 500 Global portfolio 2026-08 · Not right? Tell us
Company profile
researched Sep 2026Circle Asia Technologies Pte. Ltd. operates a consumer payments and credit product under the Circle brand, with its headquarters at 68 Circular Road #02-01, Singapore, and a Vietnamese entity, Circle Vietnam Technologies, at 25/12 Xuan Thuy Street, An Khanh Ward, Ho Chi Minh City. Its core offering is the VPBank Circle Paylater credit card, a Visa Platinum product issued by Vietnam Prosperity Joint Stock Commercial Bank (VPBank) under Vietnamese law and VPBank's internal policies. The card is marketed with no annual fee for life on the Starter Plan, a fully digital application flow that issues a card in about five minutes without paperwork, and repayment options that let cardholders pay the statement in full, pay a minimum, or convert balances into installments.
Alongside the card, Circle provides a mobile app that consolidates payments, spending insights and rewards. App features include monthly spending limits, instant card lock and unlock, a points-based Circle Reward program, Circle Family for opening a family credit card, Circle Score which improves as the customer pays with Circle, AI-generated spending insights over transaction history, and Tappy, an in-app AI assistant offering 24/7 support. Rewards include daily deals, exclusive discounts and uncapped 0.5% cashback. On security, the company cites AI-based anti-fraud technology, use of Visa security platforms, and around-the-clock transaction support.
As of the company's website, Circle is available by invitation only and collects phone numbers for a waitlist.
Business model
Circle distributes a co-branded consumer credit card — the VPBank Circle Paylater Visa Platinum — that is issued by VPBank in Vietnam, while Circle supplies the customer-facing application experience, rewards program and AI-based servicing and fraud tools. Customers are offered a Starter Plan with no annual fee, flexible statement repayment including installment conversion, and cashback and discount benefits.
▸Full profile — market position, technology, go-to-market, geography
Market position
Circle positions its offering around zero annual fees, fully digital onboarding, flexible repayment and uncapped rewards in the Vietnamese consumer credit card market, operating in partnership with issuing bank VPBank.
Stated points of difference include a lifetime zero annual fee on the Starter Plan with no conditions, no-paperwork digital application with a card issued in five minutes, uncapped 0.5% cashback and unlimited rewards, flexible repayment including installment conversion, and AI features such as automated spending insights, anti-fraud protection and the Tappy assistant.
Technology
The product combines a mobile app for card controls (spending limits, instant lock/unlock) and transaction history with AI-driven spending insights, an AI assistant named Tappy for in-app support, AI-based anti-fraud protection, and Visa security platforms. Circle Score is an internal scoring feature that improves as the customer transacts with Circle.
Go-to-market
Access is currently invitation-only, with prospective users joining a waitlist by submitting a phone number on the company website. The card itself is distributed through a partnership with VPBank, which issues it, and the application process is fully digital with issuance in about five minutes.
Retail consumers in Vietnam seeking a digital credit card and spending-management app, including family members added through the Circle Family card feature.
Geography
Headquartered in Singapore at 68 Circular Road, with operations in Vietnam through Circle Vietnam Technologies in Ho Chi Minh City and a Vietnamese customer hotline; the website is published in Vietnamese and English.
Compiled by commissioned research from 7 cited public sources — announcements, filings, and press listed under research sources below.
Key figures
latest reportedCompany-reported or press-reported figures, each dated to when it was claimed — not independently audited.
Timeline · 1
launches, deals, and filingsCircle's card product, the VPBank Circle Paylater credit card, is issued by Vietnam Prosperity Joint Stock Commercial Bank (VPBank) in compliance with Vietnamese law and VPBank's internal policies; the Circle Visa Platinum card is offered with no annual fee on the Starter Plan.
Dated company events from announcements, filings, and press; legal rows summarize public dockets and regulator releases.
▸Research sources · 7
primary sources listed
- Circle Asiagetcircle.ai · web
7 public sources were cited for this profile; the first-party ones are listed here.
Frequently asked questions
- What does Circle Asia do?
- Singapore-based fintech offering the VPBank Circle Paylater Visa credit card and a companion spending-management app in Vietnam.
- Who founded Circle Asia?
- Circle Asia was founded by Arnab Ghosh in 2025.
- Who are Circle Asia's investors?
- Circle Asia's investors include 500 Global.