Airwallex has taken a significant step in Asia-Pacific by acquiring a majority stake in PT Skye Sab Indonesia, a payments provider holding a PJP Category 1 licence from Bank Indonesia. That licence gives Airwallex the regulatory foundation it needs to operate locally in one of the most dynamic digital economies in the region.

Indonesia as a strategic gap in APAC

Airwallex already covers much of APAC, yet Indonesia has always represented a strategic missing piece. The country has a large SME base, rapid digital adoption and a long-term national digital vision. Plugging into this ecosystem gives Airwallex a practical way to serve both local merchants looking outward and international businesses expanding inward.

Local licence meets global payments infrastructure

At the operational level, the acquisition allows Airwallex to pair its global financial rails with local regulatory approval. Indonesian businesses can access multi-currency accounts, international collections, FX and payouts without navigating fragmented providers. Meanwhile, international firms gain a regulated route into a complex but high-growth market. This combination of licensing and infrastructure is becoming a cornerstone strategy for cross-border fintech.

Backed by fresh capital and a clear product thesis

The acquisition follows Airwallex’s US$330 million Series G funding round at an US$8 billion valuation. The company highlighted three priorities for that capital: strengthening its core infrastructure, deepening AI capabilities and scaling key markets such as Indonesia. The AI component is particularly relevant because Airwallex plans to automate financial workflows directly on top of the transaction data it already handles. The stronger the licence footprint, the richer the data pool and the more powerful the automation potential.

Momentum in Southeast Asia supports the move

Indonesia is not a speculative bet. Airwallex has reported strong performance across Southeast Asia, including sharp growth in revenue and transaction volume. Combined with Indonesia’s more than 60 million SMEs, the regional numbers show that cross-border financial operations are no longer an enterprise-only concern. Smaller businesses expect the same efficiency and global reach, and providers that can deliver both are winning share quickly.

Lessons for fintech operators

This acquisition reflects a formula that is becoming increasingly common in global fintech: expand regulatory coverage, reinforce infrastructure and layer intelligence on top. It is a model built on foundations rather than slogans, and it tends to scale well in markets where compliance, trust and operational reliability carry more weight than experimental features.

Key takeaways for fintech startups

Here is what fintech startups can learn from this move.

• Regulatory licences in target markets shape the product design, not just compliance.
  
  
• Blending local access with global rails is becoming a competitive requirement.
  
  
• AI becomes valuable once real transaction flows and data density are in place.
  
  
• Linking your strategy to national digital priorities can strengthen stakeholder alignment.
  
  
• Demonstrated traction in a region helps when engaging regulators and investors during expansion.

How Your Fintech Story can help

If your startup is navigating cross-border strategy, licence requirements or narrative positioning, we can help you structure the roadmap and communicate it effectively.

Reach out to Your Fintech Story to build a growth strategy that matches your ambition.

Innovatrics has expanded its venture activity with a new investment in Dalinora, a Slovak platform that blends licensed financial expertise with artificial intelligence. The aim is to make reliable financial guidance accessible to people who may never have worked with an advisor before. Biometric Ventures, Innovatrics’s investment arm, views Dalinora as a clear example of how digital identity and financial advice can work together in a way that improves trust and reduces friction for everyday users.

A New Approach to Digital Advice

Dalinora positions itself as an AI assisted financial companion that delivers personalised recommendations informed by a user’s goals, financial situation and risk profile. The advice does not stand alone. It is backed by licensed professionals, which gives the model credibility and ensures the recommendations remain compliant and responsible. Users can also implement investment decisions directly inside the app, which creates a more continuous flow from guidance to action.

Security plays a central role in how the platform is designed. Dalinora incorporates strong identity verification practices aligned with European regulatory expectations. Innovatrics highlights this as a key reason for its support. Reliable identity checks reduce risk for both users and institutions and help ensure that advice is provided in a safe environment. This combination of licensed oversight, AI supported analysis and secure onboarding distinguishes Dalinora in a crowded advice market.

Backed by Wezeo and Experienced Founders

The platform is developed with Wezeo, a Slovak technology firm known for its work on fintech and investment applications. Wezeo’s co founder, Grigor Ayrumyan, is also a co founder of Dalinora. This gives the product a strong technical base and experience drawn from prior financial software projects. The platform is currently being piloted in Slovakia, with the intention to expand across Europe once early validation is complete.

Why Innovatrics Is Leaning Into Fintech

The investment aligns with Innovatrics’s strategy to support products that combine digital identity with high trust services. Financial advice fits naturally into this focus because trust and security shape how users evaluate digital tools. Dalinora demonstrates how identity assurance, compliance and personalised guidance can reinforce each other and create a more dependable user experience.

Key takeaways for fintech startups

A short summary helps highlight the lessons.

• Trust must be built into the product. Strong identity verification and licensed oversight help users feel confident using AI supported services.
  
  
• Personalised advice can scale. Hybrid models that combine AI with human expertise widen access to financial guidance.
  
  
• The right investors add more than capital. Partners with technical and regulatory experience strengthen product development.
  
  
• Smooth user journeys matter. Allowing users to act on advice inside the same platform reduces friction and improves engagement.

If your fintech wants clear positioning and messaging that resonates with users and partners, Your Fintech Story can help you shape a narrative that supports your growth.