Miti Ventures Asia Pte Ltd

Ang pagganap nang mabuti ay sa pamamagitan ng paggawa ng mabuti.

Miti Ventures Asia Pte. Ltd. is looking to double the monthly income of more than ten million households at the last-mile in tier 2 and tier 3 cities in emerging markets, starting with South Philippines.

With our yufin merchant services platform, we are extending and deepening the reach of players from both FMCG and financial services to grow their customer base on the one hand while monetizing the deep local insights of the last-mile to acquire and service this growing customer base on the other hand.

Who are we?

The founders have built and sold mobile financial solutions in startups like C-SAM that later exited to Mastercard. We have also been senior operators at financial services MNCs like Mastercard and AMEX, heading digital wallet programs, payment systems & mobile banking. yufin angel investors and advisors hold senior roles at global FMCGs, banks, payment companies, merchant fintech startups and investment funds. 

Bringing together unique assets

Strong FMCG, payments & digital platforms team
Tokenized rewards platform ready to on-ramp & off-ramp
Relations to vernacular voice technology & low-cost POS makers
Phygital distribution: field sales ambassadors 

Logo of parent company, Miti Ventures

yufin

Our Story

We believe fintech shouldn’t just move money or accept payments for small businesses.  It should help you make more of it. That’s where we come in. As a merchant services brand of Miti Ventures Asia Pte Ltd., developed in Southeast Asia, yufin was launched in the Philippines in end 2022 with the backing of credible early-stage investors and an experienced management team.

Our Mission

We understand that the real challenge is finding ways to earn more income. yufin bridges the gap between tier 1 digital services and the exploding demand in tier 2 and 3 markets, where over 75% of consumption happens to help millions of small businesses in emerging markets get bigger, raise income levels, and give them access to the digital economy.

Our Solution

We offer sachet-sized financial services, commerce and content that makes physical last-mile participants accept digital payments and sell more, effectively making them financial services distribution hubs. yufin gives small businesses the real tools that help merchants boost their income, reduce borrowing costs and manage their business more efficiently.

Logotype of yufin in black text

Across Southeast Asia and other emerging markets elsewhere, small merchants like the sari-sari store owner, the wet market trader, the regional distributors, wholesalers and transport firms form the backbone of everyday commerce. They move goods, extend informal credit and absorb supply chain volatility that larger players never see.

Yet the tools built for commerce and finance consistently skip them. Enterprise software is too expensive. Bank credit is inaccessible. And the wholesalers supplying them operate on disconnected systems with no shared visibility into demand, inventory or cash flow.

The yufin team came to this problem not as an outsider but as someone who have watched the gap persist across multiple technology cycles. Our conviction is simple: the most productive merchants in emerging markets deserve infrastructure that actually works for them.

What yufin is building

yufin is a two-sided platform connecting small merchants and their wholesalers through smarter commerce tools, embedded finance and AI advisory infrastructure.

On the merchant side, yufin helps small business owners improve their margins, access working capital and make better buying and pricing decisions through AI-driven guidance built for the owner-operator, not the CFO.

On the wholesaler side, yufin gives distributors and FMCG brands real-time visibility into merchant demand and ordering behaviour, improving fulfilment efficiency and reducing the waste that comes from operating blind.

The model is defensible because both sides benefit. Merchants earn more. Wholesalers operate leaner. The platform sits at the intersection of those two incentives.

>30% profitability uplift for merchants; efficiency gains for their wholesalers

The two-sided thesis

Most fintech and commerce platforms serving last-mile merchants in emerging markets approach the merchant opportunity from one direction: either serving the merchant or serving the distributor. Our thesis is that the real leverage sits in the relationship between them.

By embedding finance and advisory tools directly into the commerce flow, at the point where orders are placed, credit is extended and goods change hands, yufin creates a data layer that neither side could build alone.

That data layer is what makes the AI advisory meaningful. It is not generic financial advice. It is grounded in the actual transaction history, buying patterns and margin dynamics of each merchant’s business.

Our mission is simple: doing well by doing good. Growing the earnings of merchants who are productive but neglected is not a compromise between impact and returns. It is the yufin business model.

Emerging

SE Asia, Central America and Africa are high impact regions for digital financial services with the coming together of affordable smartphones, growth in online commerce and improving logistics.

Last Mile Retail: Small Merchants

We respect the role last mile distribution points play in carrying ideas, goods and trust to the next billion consumers. A combination of digital and physical is needed to onboard them and make them habitual users of digital financial services.

Platform

Our platform solves everyday problems where they matter most, for those who make the biggest difference to their communities, with a user experience that is simpler, trustworthy and localized.

Financial Inclusion

We want to take ten million households through the pay, save, borrow, insure and invest growth spiral with digital financial services that support their grow-as-you-(l)earn journey.

Do Good

By reducing friction in procurement and supply chains, lowering cost of capital, handling less cash and doing more digital payments, using data analytics and overlaying value added services like identity and rewards & loyalty programs at much better cost to serve.

Do Well

The offline to online last mile bridging the physical to the digital is the single biggest opportunity cluster across financial services, supply chains and lifestyle services like gaming and content consumption. Serving small merchants and their women shoppers has significant multiplier effects both in the B2B supply chain and consumer market.