Empowered Banking throughOpen Innovation

Higala is a game-changing API open banking system that lowers costs for real-time payments, streamlines merchant access, and enables seamless cross-border transactions, making open payments more inclusive.

www.higala.ph →

Enabling, Equipping, and Empowering a Community of Geeks for Good

DEVCON empowers Filipino developers and young tech enthusiasts through events, community building, and impactful collaborations. Its banner initiative is the annual DEVCON Summit, which connects developers with local and global industry experts.

www.devcon.ph →

Delivering Ease of Doing Business through Digital RegTech

Unawa transforms paper-heavy processes into seamless digital operations. Businesses can use Unawa's secure e-signature to manage contracts and agreements, as well as simplify other document-related processes with intuitive templates.

www.unawa.asia →

Enabling Accessible Insurance for the 4.4B Uninsured

Saphron is an AI-powered, microinsurance platform rid of bureaucratic hurdles that turn away many Southeast Asians. Not only does it bring convenience to insurance, it has also introduced innovative options, from cybersecurity for SMEs to limited-time coverage like heartbreak.

www.saphron.asia →

SME Lending Market Place for the Middle East

NEOTech empowers SMEs in the Middle East with smarter and more accessible financing solutions. As a marketplace, it implements a streamlined application process that gives owners access to short-term loans fast, and as a digital bank, it allows them to manage their finances real-time.

www.tijara.bh →

Global Banking for Global Digital Professionals

Earnie offers Filipino freelancers a swift, secure, and cost-effective alternative to traditional payment systems. With a single app, freelancers in the Philippines and their employers in the US can manage payments and invoicing, replacing complexity with seamless efficiency.

www.earnie.us →

Elevating Small Business Banking

Asenso supports the growth of small businesses by simplifying the loan application process and offering tailored funding options. It works with community banks and CDFIs to serve more small business owners in need of capital while reducing banks’ operational costs.

www.asenso.io →

Empowering Global Migrant Professionals with Cross-Border Banking

BayaniPay is a pioneering neobank with innovative financial services tailored for global professionals. Named after the Filipino word for ‘hero,’ BayaniPay primarily serves the Filipino-American community, the third-largest Asian American group in the United States.

www.bayanipay.com →

A global venture studio that builds sustainable
for the good of every community.

Our Portfolio

How We Work

Serving People First

Our starting point is people, putting them at the forefront and making innovation truly work for their benefit.

Creating Inclusive Disruption

We harness the social power of technology to reach even those who are most marginalized.

Operating Impact at Scale

We ensure that the innovation we build for one market is globally ready as a high-growth venture.

Venture Studio Model

We designed our innovation stack to be 70% reusable and replicable elsewhere and in
many other applications to leverage standardized methods, common IPs or expertise.

Press & Awards

Since 2019, Talino has been recognized by the global startup community, the private sector,and the government for our impact-driven work.


Market Readiness Category(2021)
FDITech Sprint:  Breaking Down Barriers: Reaching the Last Mile of the Unbanked


Asian Development Bank #DigitalAgainstCOVID19 Hackathon  for UNAWA (2020) and ADB AgriFin Innovation Challenge for Asenso (2019)


Fintech for Innovation Challenge (Saphron)

TOP 100

PH Startup Week 2020 Top 100 Startups
by QBO (UNAWA & Saphron)


2020 Echelon Top 100
(Saphron, Asenso, UNAWA)


2020 SoGal Foundation Manila Bootcamp (Saphron)


1st Runner Up for LES Asia Pacific Conference 2020 Business Plan Competition(UNAWA)


2019 Startup World Cup, Philippine Leg (Saphron)

You can now take part in Talino’s growth through our Wefunder equity crowdfunding campaign.
Learn more about this campaign, and join us as we empower more people around the globe.



Join our award-winning team as we create startups that will create impact for underserved communities around the world.


FDIC logoYahoo logoCNN logoe27 logoTechInAsia logoAsian Journal logoEntrepreneur logoEsquire logoInquirer logoPhilStar logoABS-CBN logoThe Fintech Times logoBusiness World logoSparkUp logoBusinessMirror logo


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