Open Fabric

In 2021, our founders recognized a critical challenge in Southeast Asia's rapidly growing digital payment landscape: non-banking finance companies, e-wallets, and BNPL providers were struggling to achieve broad merchant acceptance despite having millions of users. The existing payment infrastructure was fragmented, requiring each provider to build complex individual integrations with countless merchants and gateways.

Open Fabric was built to solve this problem by creating a unified payment platform that bridges non-banking finance companies with state-of-the-art payment technology. The company enables its customers to tokenize any balance - whether from a digital wallet, BNPL line, or bank account - into payment instruments that are accepted at millions of touch points on the Visa and Mastercard networks consumers already know and trust.

Headquartered in Singapore, Open Fabric has positioned itself at the heart of Southeast Asia's fintech revolution. The platform offers three core solutions: account tokenization, which transforms balances into spendable tokens; payment orchestration, which simplifies merchant and gateway integrations; and spend controls, which enable real-time policy-based transaction rules. By operating exclusively on established card networks, Open Fabric provides the rails that enable digital-first financial services to compete with traditional banking infrastructure.