Building the Infrastructure
That Modern Finance Runs On
FINAP is a financial technology platform company building the infrastructure that modern institutions, businesses, and workers depend on. Incorporated in 2017. FINAP will be listed on the Colombo Stock Exchange SME Board in 2026. Operating across Sri Lanka, Bahrain, Australia, Netherlands, Malaysia & USA.
Our Journey
From product development to global financial infrastructure — a focused decade of execution, validation, and scale.
Foundation
- Core banking concept and architecture research
- Incorporation of Fintechnology Asia Pacific Lanka Limited
- Development and launch of ECORU Core Banking System
- Early commercial deployments in Sri Lanka and Solomon Islands
- Initial enterprise and institutional client traction
- Platform architecture built for cloud readiness and scalability
Validation
- National and regional awards for ECORU (NBQSA, ASOCIO)
- Migration to cloud environments; cybersecurity strengthening
- ISO 9001:2015 certification achieved
- Microsoft Gold Partner accreditation
- Establishment of regional presence in Australia
- Expansion of enterprise platforms (OMS, WMS, LMD)
Scale
- Launch of FINAP Micro Banking (FirstMicro) — SaaS-based microfinance system
- Expansion of SaaS delivery models
- Strengthening Colombo HQ and delivery teams
- Recognition as Outstanding Tech Organisation — ASOCIO
- Ideation and development of WageTech and liquidity-focused solutions
Acceleration
- Launch of ScaleBridge (Netherlands) for European expansion
- Introduction of CIXOR PayDay under Precision Finance Liquidity Infrastructure
- First overseas commercial deployments of WageTech solutions
- Platform hardening: security, scalability, compliance
- Accelerated expansion across Asia, Africa, Europe, and Australia
- Preparation for and execution of public listing
What's Next
- Completion of CSE SME Board listing — FINAP enters the public market
- Capital deployment: CIXOR PayDay rollout to Bahrain, Malaysia, Philippines
- FINAP — US market entry
- CIXOR PayDay expansion into the US workforce liquidity market
- iPayLater BNPL and CashDay product launches
- CIXOR SMETech — invoice liquidity for SME suppliers
- Expansion across Southeast Asia and MENA from 2027
Trust. Liberation. Time.
ISO 9001:2015 certified. SL-CERT audited. Regulatory-compliant across every jurisdiction we operate in. When a bank, an insurer, or a listed company deploys FINAP, they do so knowing the infrastructure is built to hold.
A employee who cannot access their earned wages before payday is not free. A cannabis business that cannot process payments is not free. A rural micro-lender without a core banking system is not free. FINAP removes those barriers.
20.4% revenue CAGR. CSE listing ready. Patent filed. Global market entry structured. Six regions operational. FINAP is not a promise of future delivery — it is a documented track record of present-tense execution.
The People Behind the Platform
Built With and Audited By the Best
In Progress
Association
IT Industry
CIXOR PayDay