Infina

Infina, registered as RealStake Pte. Ltd., is a Vietnamese fintech company positioning itself as a premier wealth management and investment platform, particularly for the country's growing class of young, tech-savvy retail investors. The firm was established to democratize access to investing, aiming to make the process accessible, straightforward, and secure for a population of nearly 100 million people.

Founded in 2018 by James Vuong, Koberg Luis Maximiliano, and Blower Robert Nicholas Gareth, with Vuong serving as CEO, the company officially launched its investment app in January 2021. Vuong's background uniquely positions him at the nexus of technology and finance; he began his career as a Silicon Valley engineer, transitioned to a venture capital investor with IDG Ventures, and became a serial entrepreneur. His prior venture, Lana Group, was successfully acquired by LINE Corp. This extensive experience, spanning from engineering at Hewlett-Packard to technology management studies at UC Berkeley's Haas School of Business, informs Infina's strategy.

The company operates in the burgeoning Vietnamese retail investment market, which has seen a significant uptick in interest, evidenced by the 1.3 million new stock trading accounts opened in 2021 alone. Infina targets a key demographic of millennials and Gen Z, who have increasing disposable incomes and an appetite for diverse investment opportunities beyond traditional savings accounts. The business model revolves around a 'one-stop shop' mobile application that provides access to a wide array of asset classes. Through its platform, users can invest in fixed-income products, mutual funds, and stocks. A core feature is the fractionalization of high-minimum investment products, allowing users to start with as little as $22. This approach lowers the barrier to entry and enables the creation of a diversified portfolio with modest capital. To broaden its reach, Infina has also integrated its investment products into third-party 'super apps', such as the popular e-commerce platform Tiki.

Infina has demonstrated significant traction, reporting a compound monthly growth rate of 64% in funded accounts in 2021. The company has successfully raised $8.12 million in seed funding across multiple rounds, attracting capital from prominent investors like Sequoia Capital India's Surge, Y Combinator, Saison Capital, and 500 Global.

Keywords: retail investment, Vietnam fintech, wealth management, mobile investing, fractional shares, investment app, stock trading, mutual funds, fixed-income products, millennial investors, Gen Z investing, financial accessibility, Southeast Asia finance, James Vuong, digital investment, Y Combinator, Sequoia Surge, investment platform, Tiki, emerging markets