It’s official: Hello Clever has been granted an Australian Financial Services Licence (AFSL) by the Australian Securities & Investments Commission (ASIC).
A short line of text. A long step forward.
Because in fintech, a licence isn’t just paperwork. It’s permission to move differently: faster, safer, and on your own rails.
From Startup to Regulated Scale
With AFSL approval, Hello Clever joins a select group of home-grown fintechs authorised to provide non-cash payment and foreign-exchange (FX) services in Australia.
For our merchants and partners, that means more than compliance boxes ticked.
It means:
✅ Licensed digital payment services that strengthen reliability and trust.
✅ FX solutions that simplify cross-border trade.
✅ More direct engagement with banks and payment partners, reducing reliance on intermediaries.
✅ Enhanced governance and oversight, aligned with ASIC’s highest standards.
This milestone signals our evolution from a high-growth startup to a regulated financial services provider, positioning Hello Clever to scale confidently across APAC.
It strengthens the foundation for larger partnerships, enterprise onboarding, and future market expansion.
A Licence That Lets Us Build Better
“Securing an AFS Licence is an important step for Hello Clever and for our customers. It provides the regulatory foundation to expand our services in payments and FX and gives merchants and partners the confidence that we operate to the highest compliance standards.” Caroline Tran, CEO
“AFSL approval is a clear signal of maturity for our business. It demonstrates that we’ve built the infrastructure and governance required to support enterprises and cross-border growth, while continuing to innovate for merchants of all sizes.” Reinard Surya, COO
Those aren’t just soundbites; they describe a company where compliance isn’t a brake. It’s a baseplate. That foundation is what allows Hello Clever to scale responsibly, balancing innovation with long-term trust.
The stronger the base, the faster you can build.
Strength in Both Directions
With our AFSL and PCI DSS Level 1 v4.1 certification, Hello Clever now holds both the regulatory and technical assurances required to operate at enterprise scale.
✅ PCI DSS ensures security and integrity at the transaction layer.
✅ AFSL adds institutional trust at the governance layer.
Together, they form a dual engine for everything we build: payments, rewards, and real-time intelligence that merchants can depend on.
On the Horizon
Next, we’ll use this licence to keep improving how money moves. Across borders and merchant networks.
Expect:
✅ Smarter cross-border payment capabilities
✅ Stronger FX infrastructure
✅ Continuous investment in secure, transparent, real-time payments that reward both sides of every transaction.
Because compliance isn’t the end of innovation.
It’s what lets innovation last.
And that’s how we’re building the payments infrastructure of tomorrow, today.
It Pays to Be Clever.
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