Cross-border payments and remittances are slow, expensive and fraught with regulatory restrictions. Chynge applies financial technology including artificial intelligence and machine learning, big data, cloud computing, distributed ledger technology (DLT), and facial recognition to create new business models, new financial products, and new customer experiences to change the way we consume financial services. Chynge Central, our flagship product, is a decentralized software service to manage money transfers that are instant, free, and safe. Chynge has a unique multi-sided payments business, in which a large, closed-loop money transfer network connects both senders and recipients. Chynge democratizes payments by making them instant, free, and safe. Chynge mitigates regulatory risks related to money laundering, terrorism financing, corruption and other financial crimes. Our financial inclusive solutions put money back into local communities that can be used for developing infrastructure, education, healthcare, and social programs, to better the lives of our customers and society. Chynge is licensed and regulated in Singapore and Hong Kong, and participates in regulatory sandboxes in the United Kingdom (UK), United Arab Emirates (UAE), and Brunei Darussalam. Chynge has offices in Singapore; Hong Kong; Brunei Darussalam; Abu Dhabi, United Arab Emirates (UAE); London, United Kingdom (UK); and Jakarta, Indonesia.