The Answer To Your Financial Question

Who We Are

A leading Asian FinTech firm, proudly founded in Singapore by Singaporeans. Here at moolahgo, we follow one principle, which is to serve all segments of the market and to make financial services accessible to everyone and anyone. Our genuine belief is that everyone deserves fast, fair, and affordable financial services – find out about some exciting products we have created to aid you in this digital financial world.

As an Asian company, we also understand deeply how the needs of Asian consumers are not always answered by companies that do not ‘speak the local language’. As a result, ever since our founding, we have dedicated ourselves to developing financial services specifically for the Asian market, as a way of creating a local solution to address a local concern.

What We Value

Our mission is to enable every person and every organisation, regardless of background, to enjoy the financial benefits of a digital economy. To provide the most accessible and reliable financial services to our partners and clients, moolahgo places high importance on ethical management and business transparency.



Your financial safety is our priority. With the latest technologies, we can safeguard our clients’ information and financial assets.



We set a high value on our clients’ satisfaction, and always keep ourselves answerable to them.



We maintain full transparency in our business practice whether with our clients, partners, or employees.



We operate upon the deep understanding of what our clients need, especially the underprivileged and those with limited access to financial services.

What We Do

Our technologies reflect our commitment to making financial services accessible to everyone. One of our first achievements is a Marketplace platform which allowed users to transact money directly among themselves with minimal delay. Since then, our technologies have evolved and improved to enable even faster and more convenient transactions.


A single payment platform that combines all common payment services in a user-friendly eWallet Mobile App with attractive currency exchange rates, attractivediscounts and promotions.

Payment Provider

Our service allows both domestic and cross-border payments from Singapore to more than 40 countries, including payments from foreign currencies.

Payment Processor

Bulk payment processing for Corporates and Financial institutions with wholesale rates, minimal costs, fast and reliable service.


Connect to our award-winning payments platform through our Application Programming Interface (API) platform to gain access to secured and reliable payments services.

Our Commitment To Your Safety

We are licensed and regulated by The Monetary Authority of Singapore ("MAS") as a Major Payment Institution under the Payment Services Act 2019. To be granted license, moolahgo is required to demonstrate that we have effective procedures in combating money-laundering and terrorism financing as well as preventing fraud. In addition, our team needs to fulfill fit-and-proper tests conducted by MAS to ensure that the people behind moolahgo is of high integrity.

We are granted license in a total of five services:

  • Account Issuance Service
  • Domestic Money Transfer Service
  • Cross-border Money Transfer Service
  • E-money Issuance Service
  • Money-changing Service

Our duty as a licensed, regulated, and annually audited entity is to handle your money with great care, and we take pride in doing so.

Meet Our Team

We are a collective group of individuals with strong entrepreneurship mindset, fearless of our competitors and always moving towards something new and better. In our company, we value innovation and equal opportunities – where ideas flow freely and everyone gets to contribute to our product development. Meet our team here.

Amethyst Cheng

Finance Executive

An accountant with 7 years of experience in audit and accounting and a member of the Association of Chartered Certified Accountants. Ame is passionate about continuous learning. She enjoys baking & reading during her spare time.

Andy Chia

FX Sales Dealer

More than a decade of banking and finance experience having been with major banks including Morgan Stanley, OCBC and UOB covering private clients. A graduate from the Nanyang Technological University and a competitive water polo player. Andy lives by the motto: Audere est Facere!

Clarice Tan

Customer Experience Officer

Wide-ranging experience in the service industry such as Retail, F&B and Hotel. Graduated from Hospitality Management, she enjoys interacting with people. Outside of work, Clarice likes to cook and exploring new recipes.

Jodi Junan

Co-founder, Chief Software Engineer

Graduated from the University of Melbourne, majoring in Computer and Operations Research. Jodi possesses more than 3 decades of software development experience. Jodi was a competitive swimmer in Indonesia with numerous awards.

John Hakim

Founder, Chief Executive Officer

Over 15 years of banking experience in major banks including DBS, JPMorgan Chase and Credit Suisse. 5 years Accenture consulting experience advising Fortune 500 companies. John graduated from the University of Texas at Austin. He was an avid advanced scuba-diver and used to aquaculture corals as a hobby.

Juliani Ma

Senior Client Advisor

A senior client relationship manager with over 9 years experience in providing cross-border FX payments solutions to corporate clients. She holds a Bachelor’s Degree in Banking & Finance from the University of London. Enjoys reading non-fiction books during her spare time.

Nicholas Gian

Senior Client Advisor

Over half a decade of experience in DBS Bank and Standard Chartered Bank managing corporate and high net worth clients. Nicholas holds Bachelor’s Degree in Business Administration from Birmingham City University. He is a pacesetter working towards being a driver of a smart economy in the Fintech industry.

Ratinan Lee

Senior Technology Lead

Master's degree in Information Technology from Nanyang Technological University in Singapore. Ratinan has years of experience in developing software for various industries and leading tech teams to support growth of companies.

Stephanie Lu

Head, Marketing

Equal parts marketing strategist and tactician, Stephanie is a high-energy marketer with over 15 years’ experience driving business growth in FMCG and electronics industries. In her spare time, Stephanie indulges in reading and cycling with her family.

Veron Tham

Senior Operations Officer

A successful personal banker with UOB Bank who made a career switch to Operations. Veron graduated from the University of Western Australia. Loves extreme sports and lives by her favourite quote from Mae West: "You only live once, but if you do it right, ONCE is enough."


Wei Xuan

FX Dealer

Started career as a FX Settlement Officer before realizing his talent in FX Dealing. Experienced in dealing in major currencies as well as regional exotic currencies. Enjoys body-building and was a member of the Singapore Polytechnic Strongman Club.

Abram Melkyzedeck Suhardiman

Independent, Non-Executive Director

Abram is currently the Executive Director and Deputy CEO of Healthway Medical Corporation Limited and is responsible for overseeing Healthway's business development, operations and corporate support functions. Prior to joining Healthway, Abram served as Vice President at Nuvest Capital. He has also worked at The Abraaj Group and Citibank where he was part of the investment team in Southeast Asia. Abram holds a Bachelor's degree from University of Southern California and Masters in Finance from Hult Business School.

Eric Barbier

Non-Independent, Non-Executive Director

Eric is the Founder of TransferTo, a global mobile payment network interconnecting financial institutions, merchants and mobile operators in Emerging Markets. He founded TransferTo in Singapore in 2006 and was acquired by Ingenico, a leading payment solutions provider. Before TransferTo, Eric co-founded Mobile 365, a global mobile messaging hub which was acquired by Sybase (now SAP) in 2006. Eric holds a Master’s Degree in Information Technology.

James Lee

Independent, Non-Executive Director

James is the Executive Director of Lippo, a conglomerate with businesses and investments in various business sectors in different parts of the world. James joined Lippo Group since 1997. He received many academic and industrial awards such as the McCormick Prize and Short Brothers Prize from the Northern Ireland Technology Centre, and Hong Kong Top 10 e-businessmen award from Alibaba. James is also the legal advisor of The Karatedo Federation of Hong Kong. He holds a Ph.D. in robotics and automation, and a Master Degree in Law.

John Hakim

Chairman, Managing Director

Mr. Cheo Chai Hong

Mr. Cheo possesses more than three decades of experience in banking. Mr. Cheo served as Managing Director of Group Credit (Middle Market) & Corporate Planning & Strategy at United Overseas Bank and was also MD in DBS Bank’s Institutional Banking Department. Mr. Cheo was also a Director of Philippines’ BDO Unibank and served as a non-executive director of Avaplas Ltd prior to its merger with Venture Corporation.

Mr. Ong Kian Min

Mr. Ong is currently a lawyer practicing as a consultant with Singapore law firm Drew & Napier LLC and also serves as an independent non-executive director of several companies listed on the Singapore stock exchange. He has more than 25 years of experience in corporate and commercial law. Mr. Ong also served as an elected member of parliament in Singapore from January 1997 to April 2011.

Anggun Wibowo

Full-stack Web Developer / Mobile App Developer

Over 10 years of software engineering experience in financial services and served as an IT consultant in the Indonesian government. Anggun is a Master’s Degree graduate from President University majoring in IT. Passionate about body-building and health.

Aulia Pratama

Mobile App Developer

A Specialist in Mobile Applications, Aulia has developed a number of mobile apps throughout his career. His skills include both hybrid and native app development platforms for both Apple iOS and Google Android apps.

Hedy Simamora

Hedy Simamora

Mobile App Developer

Hedy is a mobile app developer with more than 7 years’ under his belt. He has deep experience as an Android developer but is also skilled in flutter, java and Kotlin. In his free time, Hedy builds app using flutter and is active sharing his experience with the online programming community.

Martunis Mukhtar

Full-stack Web Developer

Over 10 years of web development experience in a broad range of applications used across various industries including financial service, education and telecommunications.

Philipus Silaen

Mobile App Developer

An IT enthusiast with more than 5 years experience in mobile apps development covering both front-end and back-end applications. Philipus holds a Master’s Degree in IT from the University of Indonesia and currently serving as an Assistant Lecturer at his alma mater.

Samsul Huda

Full-stack Webapp Developer

Very passionate about technology, making tech his my playground! Started coding since Junior High School and developed applications ranging from games to enterprise business software.

Devinda K

Devinda Karunarathna

Java Back-end Developer

Close to a decade of programming experience with specialization in Java back-end development. Devinda is also an Oracle certified associate. His portfolio of projects include clinic applications, government software and financial apps such as e-wallets.

Lahiru Rathnayake

Lahiru Rathnayake

Mobile App Developer

Experienced Front-end Mobile App developer who has created android apps used by large telcos such as Vodafone and Hutch. Lahiru loves photography.

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For Corporate Clients

View what we have in store for corporates and businesses.