Circle is a Vietnamese fintech company that describes itself as the country's first credit-led neobank, offering credit, payments and Buy Now Pay Later (BNPL) services to Gen Z and Millennial customers through a mobile-first digital platform. Its operations are concentrated in Vietnam, and it was founded by former McKinsey partners with backing from global investors.
Engineering work at Circle spans artificial intelligence and machine learning applied to consumer credit and payments. The company's products include VPBank Circle Paylater, billed as Vietnam's first AI-powered PayLater card and delivered in partnership with VPBank, and the Circle Visa Platinum card, a digital credit card with flexible payment options (full payment, minimum payment or conversion to installments), AI-driven spending insights and instant virtual card issuance for family members. The Circle mobile app adds rewards, daily deals and discounts, alongside unlimited 0.5% cashback on every spend.
Relevant technical domains include fintech, digital payments, BNPL, consumer credit, mobile app development, virtual card issuance, AI-driven spending insights and installment payment systems. The product culture is described as mobile-first and design-driven, with an emphasis on AI and partnerships with established banking institutions.
