We built JuniGo because transparent, local-rail B2B payments should not require a $10M+ monthly volume to access bank treasury desk pricing.
Amy Qian spent two years managing finance for a Singapore-based electronics components distributor — paying suppliers in Shenzhen, Ho Chi Minh City, and Mumbai each month via international wire transfer. Every payment arrived at a different actual exchange rate than quoted. Different intermediary bank deductions. Settlement times anywhere from 1 to 6 business days.
She was spending approximately 8 hours per month reconciling those payments. The real cost — FX spread, SWIFT fees, reconciliation time — was $1,500–$2,500 per month above what the same transactions would cost a large multinational with a bank treasury desk relationship.
The insight: this was not a treasury management problem. It was a connectivity problem. Businesses were stuck on 1970s SWIFT rails because no product had made transparent, local-rail B2B payments accessible without the volume threshold that qualifies for bank treasury pricing.
Amy co-founded JuniGo with Kai Ng, former Wise Business growth lead, to test a focused corridor first: Singapore to India, SGD to INR. The MVP batch payment product processed SGD 1.8M in its first 60 days — two-person team, 0.6% average markup, same-day settlement in 94% of transactions.
Make transparent, fast cross-border payments accessible to every mid-market business, not just those large enough for a bank treasury desk.
This means building payment infrastructure that shows the real FX rate, quotes the all-in cost before confirmation, delivers the exact amount to the recipient, and settles on a predictable, reliable timeline. Mid-market finance teams deserve the same transparency that large multinationals negotiate through private bank relationships.
JuniGo is a seed-stage company. We have a functional batch payment product, 14 paying business customers across Singapore and Malaysia, and a single corridor — SGD to INR — performing at sub-1% all-in cost. We are not trying to be a full-service bank or a multi-product payments platform. The focus for the next 18 months is to deepen two corridors (SGD-INR and SGD-MYR to PHP), reach SGD 50M annualised run rate, and demonstrate repeatable unit economics before expanding the corridor map.
We raise capital only for what we can build with clear conviction — transparent FX infrastructure for the mid-market corridor problem, not a laundry list of features. Current team size: 8 people. Product-led, finance-team-first, no enterprise sales motion until we have earned it.
Every decision JuniGo makes runs through a simple filter: does this make the finance team's job less painful, or does it just make us look more impressive? We have no interest in complexity for its own sake.
Transparency is not a marketing word for us — it means the finance manager can see the FX markup before confirming, can explain the cost to their CFO in one sentence, and can reconcile the payment without a support ticket. That is the standard we hold every product decision to.
We also believe that serving mid-market businesses across Southeast Asia and South Asia requires genuine operational depth in each corridor — local banking relationships, local compliance knowledge, local settlement infrastructure. We do not claim to serve corridors we have not validated end-to-end.
Seed round. gumi Cryptos Capital focuses on blockchain infrastructure and fintech with a strong presence across Asian payment corridors — directly aligned with JuniGo's corridor-first expansion model.
Finance managers and treasury teams — talk to us about your cross-border payment routes. We understand the reconciliation problem from the inside.
