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Business units

WIAM is a fintech company founded in 2019

Today the flagship of the WIAM group is a team of dedicated research and risk assessment, computing and software development experts.

The main activity of the company is the development of software solutions for finance, retail trade, lending and banking. The company explores issues related to the optimization and automation of lending processes, risk assessment, determination of demand and market formation, testing and implementation of innovation, storage and processing of big data.

Scientific research is focused on the search for new technologies and products, such as deep biometrics, voice authorization, recognition accuracy and data retrieval, optimization of complex calculations, analog computer programming for application in artificial intelligence systems, data transmission and storage technologies.

In addition, credit and retail analytics, product demand research, retail storefronting, and development of new financial products for lending and retail are potential areas for development.

Regionally, WIAM offers Vietnamese customers a service from the regional operating partner Capital Solution operating under the VayVND brand.

Technologies we use:

01
Workflow automation in financial institutions, accounting systems, customer service and marketing
02
Combinatorial mathematical models for determining retail consumer behavior, based on big data analysis
03
Machine learning, neural networks and self-learning platforms to develop efficient, trainable algorithms that enable risk mitigation
04
Scoring in combination with data from credit reference agencies to effectively create a lending risk model
05
Thanks to our innovative solutions, the risks of fraud with payment instruments in cryptocurrency transactions and loans are reduced by 95%
Our purpose:
To operate within strict affordability limits based on data to meet the highest standards of consumer experience
Our mission:
To find new effective solutions for the consumer of financial services, reduce commissions and other costs, increase speed of transactions, accessibility, convenience and security

VAYO is an innovative installment plan and advance payment company that provides digital solutions for both merchants and its customers

With the opportunity tto pay in instalments, many customers can easily purchase products for personal and business purposes. Also with VAYO, merchants are provided with infrastructure for recording in-store activities, marketing, rewards, and acquisition metrics.

Vayo innovations can significantly accelerate financial processes in the supplier - seller value chain, erasing potential barriers to start a private business, solving the issues such as obtaining start-up capital, trade marketing and automation.

Technologies we use:

01
Deep biometrics, voice authorization and data retrieval for better behavior data and financial risk assessment and management
02
Building an analytical risk model on fewer data,with a progressive reduction in the product maintenance cost
03
Risk assessment technique. Through the use of risk mitigation technologies, VAYO guarantees the security of its services for clients and partners.
04
Algorithmic implementation to showcase goods and services to the target client based on a predetermined request.
05
Automation of transactions and document flow
Our purpose:
To become a driving force for the instalment plan market and to benefit the ecosystem as a whole
Our mission:
To create new solutions in the field of BNPL (Buy now pay later) for private, small and medium-sized entrepreneurs, as well as the secondary market

LendSwap is a strategic assistant for cryptocurrency markets with regional offices in the Philippines and the UAE.

The company offers digital assets for each client to provide a simple and effective way to enhance use of their cryptocurrencies, primarily USDT. With LendSwap, novice traders can easily plunge into the innovative market of crypto-assets.

According to our study, more than 70% of digital wallets on crypto exchange platforms are never used after registration and do not carry out a single transaction. LendSwap sees an opportunity to change this situation and invites users to realize the full potential of blockchain technologies.

The first step with LendSwap is accessible and simple, the client receives an amount of tokens on their account, which can be converted and withdrawn to their bank card or invested profitably, using all the mechanisms and capabilities of the technology.

We assist clients in progressing from simple household operations to more complex ones, offering an opportunity to study and master new technologies via a clear and accessible interface.

Technologies we use:

01
Licenced cryptocurrency exchanges acting as partners of the company
02
Proprietary software solutions for risk management
03
Data mining and traffic generating technologies
Our purpose:
To profitably impact crypto market growth while enhancing accessibility to cryptocurrencies
Our mission:
To create a service to remove certain technical barriers for crypto-consumers and for them to manage convertible tokens at their own discretion using a simple-to-use interface