Atome

Atome is a digital lending platform letting you split purchases into 3 interest-free payments or flexible plans with small fees. We operate across Southeast Asia—Malaysia, and beyond—partnering with major retailers like ZALORA, Agoda, Sephora, and Shein across fashion, beauty, electronics, travel, and lifestyle.

The core idea is simple: don't wait for things. Whether it's a new outfit, a trip, or home gear, you split the cost over time. We use AI to understand what you're into and surface the right deals and merchants. Our three pillars are Aspiration (helping you reach for what matters), Access (making quality products available), and Advice (smarter shopping decisions).

We're part of Atome Financial, a fintech company under Advance Intelligence Group—a Singapore-based tech company founded in 2016 with footprint across South and Southeast Asia and China.

Our mission is financial inclusion through tech. For remote workers and digital-first folks in SEA, this matters because cash flow is real. You earn when you earn. We let you buy what you need without waiting for your next paycheck.