Infina
YC S21Ho Chi Minh City, VN · Founded 2021 · 50 employees · 8 known investors
Infina operates a fintech platform offering yield-generating accounts and integrated investment tools for retail users in Vietnam. The platform provides access to savings products through partnerships with major financial institutions, as well as stock trading services via Finavi.
Also known as Infina.vn · Real Stake Pte. Ltd. (product: Infina) · Công ty Cổ phần Real Stake Fintech · Real Stake Fintech
Founders & leadership· Y Combinator alumni (S21)
Infina was founded in 2021 by James Vuong.
Investors · 8
Company profile
researched Aug 2026Infina is a Vietnamese consumer finance platform operated by Công ty Cổ phần Real Stake Fintech, headquartered in Ho Chi Minh City. Its core product is a "yield account" (Tài khoản sinh lời) positioned as an alternative to term deposits: balances accrue returns daily and can be withdrawn at any time without forfeiting accrued interest, which the company frames as suitable for emergency or contingency funds held by households, office workers, business owners and investors.
Beyond the savings-style account, the Infina app distributes financial products supplied by licensed third parties. Stock trading is offered through Finavi, a trading platform developed by JB Securities Vietnam (JBSV) that bundles analysis and trading tools aimed at first-time investors, with promotions including a nine-day margin interest waiver, a 9.7% annual margin rate and lifetime commission-free trading for accounts opened successfully in 2024. Insurance products are offered under the PVI brand. Account opening is presented as free and app-based, with downloads via QR code.
Business model
Infina distributes financial products to retail users through its own mobile app and, on a business-to-business basis, embeds its yield account into partner platforms. Investment and insurance products are manufactured by licensed third parties — securities trading by JB Securities Vietnam under the Finavi brand and insurance by PVI — while Infina provides the consumer interface and distribution.
Traction
The company reports more than 4 million users of the yield account across the Infina app and partner platforms, and distribution partnerships with TPBank, ZaloPay and AppotaPay.
Latest developments
Infina promotes the Finavi securities trading platform, developed by JB Securities Vietnam, offering a nine-day margin interest waiver, a 9.7% annual margin rate and lifetime free trading for JBSV accounts opened during 2024, alongside insurance products from PVI.
▸Full profile — market position, technology, go-to-market, geography, history
Market position
Infina states that its yield account is used by more than 4 million users across its own app and partner platforms, and that it has been covered by Vietnamese and international media including VnExpress, Tuoi Tre, CafeF, TechCrunch, Bloomberg and Yahoo.
The yield account is positioned against fixed-term bank deposits on liquidity: users can withdraw at any time without losing accrued returns, and returns accrue daily. The company also points to adoption of the product by large financial and payment partners as validation of the underlying product and team.
Technology
A consumer mobile application through which users open accounts, hold balances in the yield account, and access integrated securities trading and insurance products from partner providers.
Go-to-market
Direct-to-consumer acquisition via a free mobile app, supported by partnership distribution in which the yield account is offered inside third-party platforms including TPBank, ZaloPay and AppotaPay. Promotional offers such as introductory rates and fee waivers on brokerage accounts are used to convert new users.
Retail consumers in Vietnam, including homemakers and families building emergency funds, salaried office workers, small business owners and individual investors, with product design and onboarding aimed at first-time or inexperienced investors.
Geography
Vietnam, with offices at 30 Nguyen Thi Dieu, Xuan Hoa Ward, Ho Chi Minh City.
History
The operating entity, Công ty Cổ phần Real Stake Fintech, holds business registration number 0316552631 issued by the Ho Chi Minh City Department of Planning and Investment on 23 October 2020.
Compiled by commissioned research from 1 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.
In the news
▸Research sources · 1
primary sources listed
- Infinainfina.vn · web
1 public sources were cited for this profile; the first-party ones are listed here.
Frequently asked questions
- What does Infina do?
- Vietnamese fintech offering a flexible yield-bearing account plus stock and insurance products through partner institutions.
- Who founded Infina?
- Infina was founded by James Vuong in 2021.
- Who are Infina's investors?
- Infina's investors include 1982 Ventures, AppWorks Ventures, DG Daiwa Ventures, MyAsiaVC, Peak XV Partners, Saison Capital, Venturra, Y Combinator.
- Where is Infina headquartered?
- Infina is headquartered in Ho Chi Minh City, VN.