Singapore Finance Investment Startup & Fund Manager Chocolate Finance with $864 Million AUM Officially Launched in Hong Kong (13/4/26) Allowing Users to Earn Returns Daily on Cash with Instant Withdrawal, No Lock-in & No Fees for First $38,000 (HKD 300,000), Promo Rate 3.8% p.a. Return on First $12,800 (HKD 100,000) & 3.5% p.a. on Next $25,600 (HKD 200,000)
14th April 2026 | Hong Kong
Singapore finance investment startup & fund manager Chocolate Finance ($864 million AUM) has officially launched in Hong Kong (13/4/26), allowing users to earn returns daily on cash with instant withdrawal, no lock-in & no fees for first $38,000 (HKD 300,000). The current promo rate is 3.8% p.a. return on first $12,800 (HKD 100,000) & 3.5% p.a. on next $25,600 (HKD 200,000). Chocolate Finance – The Chocolate Advantage Programme is a promotional programme. It’s been put in place to support the returns on your first HK$300k (Currently 3.8% p.a. on your first HK$100k and 3.5% p.a. on your next HK$200k) during the Qualifying Period. This means, if for some reason, the portfolio underperforms, the difference will be made up by Chocolate for users to enjoy the current rate. The Qualifying Period runs from now until 30th June 2026, or until the assets under management for the Chocolate Managed Account reach HK$1 billion—whichever comes first). In 2025 July, Singapore finance investment startup & fund manager Chocolate Finance with $702 million AUM raised $15 million in Series A+ funding, and received regulatory approval in Hong Kong. Chocolate Finance was founded in 2022 by Walter de Oude in Singapore as a licensed fund management company. Walter de Oude is the founder of insurance group Singapore Life (Singlife). Chocolate Finance investors include Nikko Asset Management, Peak XV, Prosus, Saison Capital & Walter de Oude. In 2025 March, Chocolate Finance reported nearly $373 million (S$500 million) outflow representing 40% of assets. Earlier in 2025 March, Singapore finance investment startup & fund manager Chocolate Finance has temporarily stopped instant withdrawal & card transaction services due to increased transaction volume, issuing a statement of fund redemption typically taking 3 to 10 business days to settle. Chocolate Finance provides SGD deposits with interest rate of 3.3% p.a. on the first SGD 20,000, 3% p.a. on next SGD 30,000 & target 3% p.a. thereafter. USD deposits with interest rate of 4.8% p.a. on first USD 20,000, 4.3% p.a. on next USD 30,000 & target 4.3% p.a. thereafter. Chocolate Finance was founded in 2024 by Singapore insurer Singlife founder & ex-HSBC Insurance Singapore CEO Walter de Oude. On 12th March 2025, the Monetary Authority of Singapore (MAS) has released a statement (12/3/25) on Chocolate Finance temporarily stopping instant withdrawal & card transaction services – 1) Online robo advisory Chocolate Finance (operated by Chocfin) & independent fund custodian Allfunds had issued a joint statement on security of fund holdings & orderly processing of withdrawals, with both companies confirming customers’ monies are intact and not used to meet company liabilities. In 2025 February, Chocolate Managed Account was reported to be reaching S$1 billion ($750 million) AUM. Chocolate Finance – Founded by Walter de Oude, the founder of Singapore Life (Singlife), Chocolate Finance is a happy place for your spare cash where you can enjoy 3.3% p.a. on your first S$20k, 3% p.a. on your next S$30k, and a target 3% p.a. on any amount thereafter. No lock-in periods. No hoops or complex criteria. No minimum or maximum balance requirements. See your returns in the app every, single, day. Withdraw anytime. What’s more? If we don’t make the target returns for your first S$50k, the difference will be topped up during the qualifying period. Does it get any better than that? Chocolate Finance is a brand under Chocfin Pte Ltd, regulated by the Monetary Authority of Singapore (CMS101452) with a Capital Market Services license. We invest in a carefully selected portfolio of fixed-income funds, optimising risk-adjusted returns by analyzing factors like duration, yield, credit quality, and currency. It only takes a few minutes to get started – download the app, sign up with your mobile OTP, and verify your identity via Singpass. Once you’ve added money, you’ll see your daily returns the very next day!
” Singapore Finance Investment Startup & Fund Manager Chocolate Finance with $864 Million AUM Officially Launched in Hong Kong (13/4/26) Allowing Users to Earn Returns Daily on Cash with Instant Withdrawal, No Lock-in & No Fees for First $38,000 (HKD 300,000), Promo Rate 3.8% p.a. Return on First $12,800 (HKD 100,000) & 3.5% p.a. on Next $25,600 (HKD 200,000) “
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Singapore Finance Investment Startup & Fund Manager Chocolate Finance with $702 Million AUM Raised $15 Million in Series A+ Funding & Received Regulatory Approval in Hong Kong, Founded in 2022 by Walter de Oude in Singapore as a Licensed Fund Management Company, Walter de Oude is Founder of Insurance Group Singapore Life (Singlife), Chocolate Finance Investors Include Nikko Asset Management, Peak XV, Prosus, Saison Capital & Walter de Oude
25th July – Singapore finance investment startup & fund manager Chocolate Finance with $702 million AUM has raised $15 million in Series A+ funding, and received regulatory approval in Hong Kong. Chocolate Finance was founded in 2022 by Walter de Oude in Singapore as a licensed fund management company. Walter de Oude is the founder of insurance group Singapore Life (Singlife). Chocolate Finance investors include Nikko Asset Management, Peak XV, Prosus, Saison Capital & Walter de Oude. In 2025 March, Chocolate Finance reported nearly $373 million (S$500 million) outflow representing 40% of assets. Earlier in 2025 March, Singapore finance investment startup & fund manager Chocolate Finance has temporarily stopped instant withdrawal & card transaction services due to increased transaction volume, issuing a statement of fund redemption typically taking 3 to 10 business days to settle. Chocolate Finance provides SGD deposits with interest rate of 3.3% p.a. on the first SGD 20,000, 3% p.a. on next SGD 30,000 & target 3% p.a. thereafter. USD deposits with interest rate of 4.8% p.a. on first USD 20,000, 4.3% p.a. on next USD 30,000 & target 4.3% p.a. thereafter. Chocolate Finance was founded in 2024 by Singapore insurer Singlife founder & ex-HSBC Insurance Singapore CEO Walter de Oude. On 12th March 2025, the Monetary Authority of Singapore (MAS) has released a statement (12/3/25) on Chocolate Finance temporarily stopping instant withdrawal & card transaction services – 1) Online robo advisory Chocolate Finance (operated by Chocfin) & independent fund custodian Allfunds had issued a joint statement on security of fund holdings & orderly processing of withdrawals, with both companies confirming customers’ monies are intact and not used to meet company liabilities. In 2025 February, Chocolate Managed Account was reported to be reaching S$1 billion ($750 million) AUM. Chocolate Finance – Founded by Walter de Oude, the founder of Singapore Life (Singlife), Chocolate Finance is a happy place for your spare cash where you can enjoy 3.3% p.a. on your first S$20k, 3% p.a. on your next S$30k, and a target 3% p.a. on any amount thereafter. No lock-in periods. No hoops or complex criteria. No minimum or maximum balance requirements. See your returns in the app every, single, day. Withdraw anytime. What’s more? If we don’t make the target returns for your first S$50k, the difference will be topped up during the qualifying period. Does it get any better than that? Chocolate Finance is a brand under Chocfin Pte Ltd, regulated by the Monetary Authority of Singapore (CMS101452) with a Capital Market Services license. We invest in a carefully selected portfolio of fixed-income funds, optimising risk-adjusted returns by analyzing factors like duration, yield, credit quality, and currency. It only takes a few minutes to get started – download the app, sign up with your mobile OTP, and verify your identity via Singpass. Once you’ve added money, you’ll see your daily returns the very next day!
Singapore Finance Investment Startup & Fund Manager Chocolate Finance Reports Nearly $373 Million (S$500 Million) Outflow Representing 40% of Assets, Temporarily Stopped Instant Withdrawal & Card Transaction Services in Early 2025 March Due to Increased Transaction Volume, Issued Statement of Fund Redemption Typically Takes 3 to 10 Business Days to Settle
26th March 2025 – Singapore finance investment startup & fund manager Chocolate Finance reported nearly $373 million (S$500 million) outflow representing 40% of assets. Earlier in 2025 March, Singapore finance investment startup & fund manager Chocolate Finance has temporarily stopped instant withdrawal & card transaction services due to increased transaction volume, issuing a statement of fund redemption typically taking 3 to 10 business days to settle. Chocolate Finance provides SGD deposits with interest rate of 3.3% p.a. on the first SGD 20,000, 3% p.a. on next SGD 30,000 & target 3% p.a. thereafter. USD deposits with interest rate of 4.8% p.a. on first USD 20,000, 4.3% p.a. on next USD 30,000 & target 4.3% p.a. thereafter. Chocolate Finance was founded in 2024 by Singapore insurer Singlife founder & ex-HSBC Insurance Singapore CEO Walter de Oude. On 12th March 2025, the Monetary Authority of Singapore (MAS) has released a statement (12/3/25) on Chocolate Finance temporarily stopping instant withdrawal & card transaction services – 1) Online robo advisory Chocolate Finance (operated by Chocfin) & independent fund custodian Allfunds had issued a joint statement on security of fund holdings & orderly processing of withdrawals, with both companies confirming customers’ monies are intact and not used to meet company liabilities. In 2025 February, Chocolate Managed Account was reported to be reaching S$1 billion ($750 million) AUM. Chocolate Finance – Founded by Walter de Oude, the founder of Singapore Life (Singlife), Chocolate Finance is a happy place for your spare cash where you can enjoy 3.3% p.a. on your first S$20k, 3% p.a. on your next S$30k, and a target 3% p.a. on any amount thereafter. No lock-in periods. No hoops or complex criteria. No minimum or maximum balance requirements. See your returns in the app every, single, day. Withdraw anytime. What’s more? If we don’t make the target returns for your first S$50k, the difference will be topped up during the qualifying period. Does it get any better than that? Chocolate Finance is a brand under Chocfin Pte Ltd, regulated by the Monetary Authority of Singapore (CMS101452) with a Capital Market Services license. We invest in a carefully selected portfolio of fixed-income funds, optimising risk-adjusted returns by analyzing factors like duration, yield, credit quality, and currency. It only takes a few minutes to get started – download the app, sign up with your mobile OTP, and verify your identity via Singpass. Once you’ve added money, you’ll see your daily returns the very next day!
Singapore MAS on Chocolate Finance Temporarily Stopping Instant Withdrawal & Card Transaction Services: Online Robo Advisory Chocolate Finance (Operated by Chocfin) & Independent Fund Custodian Allfunds Had Issued Joint Statement on Security of Fund Holdings & Orderly Processing of Withdrawals, Both Companies Confirmed Customers’ Monies are Intact & Not Used to Meet Liabilities
13th March 2025 – The Monetary Authority of Singapore (MAS) has released a statement (12/3/25) on Chocolate Finance temporarily stopping instant withdrawal & card transaction services – 1) Online robo advisory Chocolate Finance (operated by Chocfin) & independent fund custodian Allfunds had issued a joint statement on security of fund holdings & orderly processing of withdrawals, with both companies confirming customers’ monies are intact and not used to meet company liabilities. Singapore MAS (12/3/25): “The Monetary Authority of Singapore (MAS) notes that Chocolate Finance, an online robo advisory service operated by Chocfin Pte Ltd (Chocfin), and Allfunds, an independent fund custodian, have issued a joint press statement on the security of Chocfin’s fund holdings and orderly processing of withdrawals. Digital advisors are required to segregate customer assets from their own. In particular, customers’ assets and monies must be held in independent custody by custodians licensed and regulated by MAS. Customer monies must remain intact and cannot be used to meet the liabilities of the digital advisor at all times. MAS notes the confirmation provided by both Chocolate Finance and Allfunds that these requirements have been fully met. MAS continues to engage Chocolate Finance to ensure that all customer withdrawals will be met in an orderly fashion.” Earlier in 2025 March, Singapore finance investment startup & fund manager Chocolate Finance has temporarily stopped instant withdrawal & card transaction services due to increased transaction volume, issuing a statement of fund redemption typically taking 3 to 10 business days to settle. Chocolate Finance provides SGD deposits with interest rate of 3.3% p.a. on the first SGD 20,000, 3% p.a. on next SGD 30,000 & target 3% p.a. thereafter. USD deposits with interest rate of 4.8% p.a. on first USD 20,000, 4.3% p.a. on next USD 30,000 & target 4.3% p.a. thereafter. Chocolate Finance was founded in 2024 by Singapore insurer Singlife founder & ex-HSBC Insurance Singapore CEO Walter de Oude. In 2025 February, Chocolate Managed Account was reported to be reaching S$1 billion ($750 million) AUM. Chocolate Finance – Founded by Walter de Oude, the founder of Singapore Life (Singlife), Chocolate Finance is a happy place for your spare cash where you can enjoy 3.3% p.a. on your first S$20k, 3% p.a. on your next S$30k, and a target 3% p.a. on any amount thereafter. No lock-in periods. No hoops or complex criteria. No minimum or maximum balance requirements. See your returns in the app every, single, day. Withdraw anytime. What’s more? If we don’t make the target returns for your first S$50k, the difference will be topped up during the qualifying period. Does it get any better than that? Chocolate Finance is a brand under Chocfin Pte Ltd, regulated by the Monetary Authority of Singapore (CMS101452) with a Capital Market Services license. We invest in a carefully selected portfolio of fixed-income funds, optimising risk-adjusted returns by analyzing factors like duration, yield, credit quality, and currency. It only takes a few minutes to get started – download the app, sign up with your mobile OTP, and verify your identity via Singpass. Once you’ve added money, you’ll see your daily returns the very next day!
Singapore Finance Investment Startup & Fund Manager Chocolate Finance Temporarily Stops Instant Withdrawal & Card Transaction Services Due to Increased Transaction Volume, Issued Statement of Fund Redemption Typically Takes 3 to 10 Business Days to Settle, Provides SGD Deposits with Interest Rate of 3.3% p.a. on First SGD 20,000, 3% p.a. on Next SGD 30,000 & Target 3% p.a. Thereafter, USD Deposits with Interest Rate of 4.8% p.a. on First USD 20,000, 4.3% p.a. on Next USD 30,000 & Target 4.3% p.a. Thereafter, Founded in 2024 by Singapore Insurer Singlife Founder & ex-HSBC Insurance Singapore CEO Walter de Oude, Chocolate Managed Account Reaching S$1 billion in 2025 February
10th March 2025 – Singapore finance investment startup & fund manager Chocolate Finance has temporarily stopped instant withdrawal & card transaction services due to increased transaction volume, issuing a statement of fund redemption typically taking 3 to 10 business days to settle. Chocolate Finance provides SGD deposits with interest rate of 3.3% p.a. on the first SGD 20,000, 3% p.a. on next SGD 30,000 & target 3% p.a. thereafter. USD deposits with interest rate of 4.8% p.a. on first USD 20,000, 4.3% p.a. on next USD 30,000 & target 4.3% p.a. thereafter. Chocolate Finance was founded in 2024 by Singapore insurer Singlife founder & ex-HSBC Insurance Singapore CEO Walter de Oude. In 2025 February, Chocolate Managed Account was reported to be reaching S$1 billion ($750 million) AUM. Chocolate Finance – Founded by Walter de Oude, the founder of Singapore Life (Singlife), Chocolate Finance is a happy place for your spare cash where you can enjoy 3.3% p.a. on your first S$20k, 3% p.a. on your next S$30k, and a target 3% p.a. on any amount thereafter. No lock-in periods. No hoops or complex criteria. No minimum or maximum balance requirements. See your returns in the app every, single, day. Withdraw anytime. What’s more? If we don’t make the target returns for your first S$50k, the difference will be topped up during the qualifying period. Does it get any better than that? Chocolate Finance is a brand under Chocfin Pte Ltd, regulated by the Monetary Authority of Singapore (CMS101452) with a Capital Market Services license. We invest in a carefully selected portfolio of fixed-income funds, optimising risk-adjusted returns by analyzing factors like duration, yield, credit quality, and currency. It only takes a few minutes to get started – download the app, sign up with your mobile OTP, and verify your identity via Singpass. Once you’ve added money, you’ll see your daily returns the very next day!
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