AC Ventures

Founded in 2018, Kargo Technologies operates an online logistics platform that connects retail, e-commerce, and commercial sector shippers with truck fleets across Indonesia. The platform facilitates real-time connections, transactions, and tracking of shipments between shippers, transporters, and truckers.

Alami is a licensed peer-to-peer lending platform based in Jakarta, Indonesia. It facilitates sharia-compliant financing for micro, small, and medium-sized enterprises through its transparent and fair platform.

Koltiva is an integrated technology company established in 2013 in Indonesia and incorporated in Switzerland in 2017. It specializes in providing tailor-made software solutions and services designed for end-to-end business processes, particularly in the agriculture sector. Operating in 29 countries, Koltiva focuses on enhancing operational efficiency while significantly reducing costs and risks for its clients. The company aims to support sustainable production practices from farm to fork, helping businesses achieve profitability while being socially responsible and environmentally conscious. By offering affordable and customized software systems, Koltiva facilitates transparency between suppliers and customers, contributing to the development of traceable and resilient global supply chains.

Waste4Change is a waste management platform in Indonesia serving companies, individuals, and government agencies to reduce waste sent to landfills and prevent environmental leakage. Since its inception in 2014, it has offered services such as in-store recycling and the 3R School Program, supported by a collaborative, technology-driven ecosystem that advances a circular economy and a waste-free Indonesia. Its offerings include consultation, campaigning, collection, and creation to help communities manage waste more sustainably.

Alami is a licensed peer-to-peer lending platform based in Jakarta, Indonesia. It facilitates sharia-compliant financing for micro, small, and medium-sized enterprises through its transparent and fair platform.

Esensi Solusi Buana is the first restaurant technology in Indonesia with the most complete solution under ONE integrated platform.

Founded in 2019, Majoo is a Software-as-a-Service provider based in Jakarta, Indonesia. It offers a platform connecting small and medium-sized enterprises (SMEs) to digital ecosystems, enabling them to enhance sales growth, reach more customers, and improve business operations.

IDEAL Indonesia is a digital mortgage lending platform designed to streamline the home buying process for potential homeowners. The platform offers features such as e-KYC, document verification, and AI-driven credit scoring to help users receive personalized mortgage recommendations based on their specific needs. By connecting home buyers with a range of compatible mortgage products from major property developers and banks in Indonesia, IDEAL Indonesia allows users to apply to multiple banks using a single set of data. Additionally, the platform includes a real-time tracking system, enhancing the overall experience for individuals seeking to navigate their ownership journey efficiently.

PINA Indonesia develops a personal finance application that simplifies complex financial decisions. It offers automated money management, investment options, and personalized expert advice, empowering users towards financial freedom.

Astro Indonesia is a quick commerce start-up that specializes in on-demand grocery delivery. The platform offers a wide range of products, including fresh fruits and vegetables, dairy, meat, seafood, medicines, stationery, and snacks, allowing consumers to purchase essential items conveniently. By focusing on delivering groceries within a specified timeframe, Astro aims to provide an affordable and efficient shopping experience for its customers.

Atma is an Indonesian social job platform powered by community. It focuses on lower and middle-income job segments, offering a comprehensive ecosystem that includes a job marketplace, upskilling institute, and community-based support system.

PT. Julo Teknologi Perdana operates a mobile application that offers affordable unsecured personal loans to smartphone users, primarily targeting the underbanked population in Indonesia. The platform connects borrowers with institutional lenders, facilitating a streamlined loan application process that allows users to submit personal documents digitally and receive funds within a day after successful verification. Utilizing machine learning, the company assesses borrowers' creditworthiness to determine interest rates and credit limits. JULO promotes responsible borrowing by rewarding positive behavior with cashback bonuses and offering lower interest rates for reliable customers. Founded in 2016 and based in South Jakarta, JULO aims to provide low-cost loan products while maintaining economic viability for its lending partners.

Founded in 2019, Majoo is a Software-as-a-Service provider based in Jakarta, Indonesia. It offers a platform connecting small and medium-sized enterprises (SMEs) to digital ecosystems, enabling them to enhance sales growth, reach more customers, and improve business operations.

Astro Indonesia is a quick commerce start-up that specializes in on-demand grocery delivery. The platform offers a wide range of products, including fresh fruits and vegetables, dairy, meat, seafood, medicines, stationery, and snacks, allowing consumers to purchase essential items conveniently. By focusing on delivering groceries within a specified timeframe, Astro aims to provide an affordable and efficient shopping experience for its customers.

Raena is an Indonesian startup that facilitates social media influencers to launch their own e-commerce beauty brands. Its web-based platform enables Indonesian customers to purchase a variety of beauty products sourced from Japan and Korea.

KoinWorks is a Indonesian fintech company offering a comprehensive suite of financial products. Users can manage both assets and liabilities on its single platform, making it a one-stop solution for accessible and affordable financial services.

Otoklix develops, owns, and operates a platform that connects vehicle owners with independent automotive workshops in Indonesia. It offers booking for services at nearby workshops with standardized pricing, service levels, and warranties, and provides software solutions to workshops including customer relationship management and supply chain management to improve visibility and efficiency. The company aims to bridge the gap between fragmented general workshops and customers, transforming the vehicle maintenance experience by enabling transparent pricing, tracking of repair and maintenance history, and cost reduction through streamlined procurement. It is based in Jakarta, Indonesia, and focuses on the automotive aftermarket sector, serving car, rental, and fleet owners.

Astro Indonesia is a quick commerce start-up that specializes in on-demand grocery delivery. The platform offers a wide range of products, including fresh fruits and vegetables, dairy, meat, seafood, medicines, stationery, and snacks, allowing consumers to purchase essential items conveniently. By focusing on delivering groceries within a specified timeframe, Astro aims to provide an affordable and efficient shopping experience for its customers.

Founded in 2019, Majoo is a Software-as-a-Service provider based in Jakarta, Indonesia. It offers a platform connecting small and medium-sized enterprises (SMEs) to digital ecosystems, enabling them to enhance sales growth, reach more customers, and improve business operations.

Esensi Solusi Buana is the first restaurant technology in Indonesia with the most complete solution under ONE integrated platform.

Legit Group is a multi-brand cloud kitchen operator based in Jakarta, Indonesia. Established in 2021, it develops and runs a network that includes an R&D facility, Central Kitchen Production House, and cloud kitchen outlets to deliver restaurant-quality meals to customers at their doors. The company focuses on offering a variety of culinary options through its platform, using technology and operational efficiencies to optimize food preparation and delivery while ensuring quality and speed. By integrating development, production, and distribution under one model, Legit Group aims to provide convenient access to hearty meals across its brands.

Durianpay is a payment technology company focused on Indonesia, offering a platform that helps businesses manage and accelerate their payment processes. It connects merchants to payment service providers and gateways, and, with low‑code integration, enables acceptance and processing of credit and debit cards, online banking, e-wallets, virtual accounts, and other methods. The company provides mobile software development kits and customizable checkout pages, along with integrations that deliver dashboards and analytics. Its solutions are designed for startups and small businesses, providing a broad range of payment options and detailed reporting to simplify financial management. Durianpay aims to modernize and democratize payments in Indonesia by making them more affordable, faster, and seamless, with localized checkout experiences and supportive analytics to drive growth.

Alami is a licensed peer-to-peer lending platform based in Jakarta, Indonesia. It facilitates sharia-compliant financing for micro, small, and medium-sized enterprises through its transparent and fair platform.

Founded in 2019, Majoo is a Software-as-a-Service provider based in Jakarta, Indonesia. It offers a platform connecting small and medium-sized enterprises (SMEs) to digital ecosystems, enabling them to enhance sales growth, reach more customers, and improve business operations.

Bibit is a Robo-advisor application aimed at making investing more accessible in Indonesia. It offers a financial platform that assists users with personal investments by intelligently allocating their funds into a diversified mutual fund portfolio. The platform takes into account individual factors such as age, income, and overall risk profile, thereby providing users with a streamlined and hassle-free investment experience. Bibit effectively combines technology with professional financial planning services, enabling a broader audience to engage in investment activities.

Esensi Solusi Buana is the first restaurant technology in Indonesia with the most complete solution under ONE integrated platform.

Raena is an Indonesian startup that facilitates social media influencers to launch their own e-commerce beauty brands. Its web-based platform enables Indonesian customers to purchase a variety of beauty products sourced from Japan and Korea.

Danacita is an ErudiFi company that is on a mission to democratize access to higher education in Indonesia. It has funded students from over 100 tertiary institutes throughout the country and is registered with OJK as a P2P platform.

Alami is a licensed peer-to-peer lending platform based in Jakarta, Indonesia. It facilitates sharia-compliant financing for micro, small, and medium-sized enterprises through its transparent and fair platform.

Stockbit is an Indonesian investment community platform that facilitates real-time sharing of stock-related ideas, news, and financial information. It enables users to create profiles, follow specific stocks or investors, and engage in valuable discussions.

Bibit is a Robo-advisor application aimed at making investing more accessible in Indonesia. It offers a financial platform that assists users with personal investments by intelligently allocating their funds into a diversified mutual fund portfolio. The platform takes into account individual factors such as age, income, and overall risk profile, thereby providing users with a streamlined and hassle-free investment experience. Bibit effectively combines technology with professional financial planning services, enabling a broader audience to engage in investment activities.

Finantier is an open finance platform based in Jakarta Selatan, Indonesia, founded in 2020. The company specializes in providing infrastructure and data products that enable businesses to develop innovative financial services. Its technology facilitates the integration of various financial data, allowing institutions to access information from consumers' bank accounts, credit cards, loans, and mortgages. Finantier's offerings include services such as account aggregation, income and identity verification, and transactional data verification, all delivered through a robust application-programming interface (API). By enriching and sharing this data, Finantier aims to support the growth of Southeast Asia's digital economy and become a central player in the region's financial landscape.

BukuWarung is a technology company focused on providing digital infrastructure for Indonesia's 60 million micro, small, and medium enterprises (MSMEs). The company offers a platform that enables users to efficiently manage their businesses through features such as digital bookkeeping, online storefronts, and payment processing. By facilitating the recording of daily financial transactions, including sales and customer accounts, BukuWarung helps small businesses maintain accurate sales records, issue bills via messaging applications, and generate daily business reports. The platform aims to empower MSMEs by enhancing their financial awareness and enabling effective business management through technology.

Esensi Solusi Buana is the first restaurant technology in Indonesia with the most complete solution under ONE integrated platform.

Founded in 2018, Kargo Technologies operates an online logistics platform that connects retail, e-commerce, and commercial sector shippers with truck fleets across Indonesia. The platform facilitates real-time connections, transactions, and tracking of shipments between shippers, transporters, and truckers.

BukuWarung is a technology company focused on providing digital infrastructure for Indonesia's 60 million micro, small, and medium enterprises (MSMEs). The company offers a platform that enables users to efficiently manage their businesses through features such as digital bookkeeping, online storefronts, and payment processing. By facilitating the recording of daily financial transactions, including sales and customer accounts, BukuWarung helps small businesses maintain accurate sales records, issue bills via messaging applications, and generate daily business reports. The platform aims to empower MSMEs by enhancing their financial awareness and enabling effective business management through technology.

Stockbit is an Indonesian investment community platform that facilitates real-time sharing of stock-related ideas, news, and financial information. It enables users to create profiles, follow specific stocks or investors, and engage in valuable discussions.

Hacktiv8 is Indonesia's premier coding bootcamp, transforming beginners into job-ready developers. It pioneers Income Share Agreements (ISAs), allowing students to learn free and pay through a percentage of their future income.

Alami is a licensed peer-to-peer lending platform based in Jakarta, Indonesia. It facilitates sharia-compliant financing for micro, small, and medium-sized enterprises through its transparent and fair platform.

Waste4Change is a waste management platform in Indonesia serving companies, individuals, and government agencies to reduce waste sent to landfills and prevent environmental leakage. Since its inception in 2014, it has offered services such as in-store recycling and the 3R School Program, supported by a collaborative, technology-driven ecosystem that advances a circular economy and a waste-free Indonesia. Its offerings include consultation, campaigning, collection, and creation to help communities manage waste more sustainably.

Carsome operates an online platform that connects sellers of used cars with dealers, offering inspection, valuation, bidding, and logistics to facilitate the entire selling process. The platform supports ownership transfer, financing options, and a curated selection of pre-owned cars for buyers, enabling relatively quick sales. Founded in 2015 and headquartered in Malaysia, Carsome has expanded to Indonesia, Thailand, and Singapore.

Akseleran is a peer-to-peer lending platform that connects small and medium-sized enterprises (SMEs) seeking loans with a network of lenders. The company facilitates access to capital for businesses, offering competitive interest rates, flexible loan tenors, and various payment models. Akseleran enhances the lending landscape in Indonesia by providing alternative financing options that enable entrepreneurs to secure the funds necessary for growth. Its platform streamlines administrative tasks, allowing businesses to focus on development while ensuring that lenders have the opportunity to earn attractive returns aligned with the risks of their investments.

PT. Julo Teknologi Perdana operates a mobile application that offers affordable unsecured personal loans to smartphone users, primarily targeting the underbanked population in Indonesia. The platform connects borrowers with institutional lenders, facilitating a streamlined loan application process that allows users to submit personal documents digitally and receive funds within a day after successful verification. Utilizing machine learning, the company assesses borrowers' creditworthiness to determine interest rates and credit limits. JULO promotes responsible borrowing by rewarding positive behavior with cashback bonuses and offering lower interest rates for reliable customers. Founded in 2016 and based in South Jakarta, JULO aims to provide low-cost loan products while maintaining economic viability for its lending partners.

Founded in 2017, Wahyoo Group operates as an F&B enabler in Indonesia, focusing on scaling up F&B SMEs. It offers integrated solutions including e-supplies, micro-financing, and kitchen partnerships, serving over 27,000 kitchens across Jabodetabek.

KoinWorks is a Indonesian fintech company offering a comprehensive suite of financial products. Users can manage both assets and liabilities on its single platform, making it a one-stop solution for accessible and affordable financial services.

Stockbit is an Indonesian investment community platform that facilitates real-time sharing of stock-related ideas, news, and financial information. It enables users to create profiles, follow specific stocks or investors, and engage in valuable discussions.

PT Bobobox Mitra Indonesia is a hospitality company founded in 2017 and headquartered in Bandung, Indonesia. It specializes in providing innovative accommodation services aimed at travelers and millennials seeking unique and efficient lodging experiences. Bobobox offers a range of options designed for both short-term visitors and commuters looking to recharge. In addition to its core services, the company also provides franchise opportunities, enabling expansion of its hospitality model across different markets.

R Fitness is a leading Indonesian wellness brand offering comprehensive mental and physical health services. It provides a range of classes such as Zumba, circuit training, yoga, meditation, and rotating fitness courses across five locations and via its mobile app.

Bibit is a Robo-advisor application aimed at making investing more accessible in Indonesia. It offers a financial platform that assists users with personal investments by intelligently allocating their funds into a diversified mutual fund portfolio. The platform takes into account individual factors such as age, income, and overall risk profile, thereby providing users with a streamlined and hassle-free investment experience. Bibit effectively combines technology with professional financial planning services, enabling a broader audience to engage in investment activities.

PT Payfazz Teknologi Nusantara is a financial technology company focused on providing an agency-based financial platform designed to serve the unbanked population in Indonesia. The platform facilitates secure digital transactions, including bill payments, loans, money transfers, savings accounts, and investment services, thus enhancing financial accessibility for users without bank accounts. PAYFAZZ collaborates with various partners, including banks and financial institutions, to establish a distributed network of agents that streamline payment processes. With a commitment to security, the company employs advanced security measures such as GeoTrust SSL, User ID, and Password protections. Through its innovative solutions, PAYFAZZ aims to contribute to the digital transformation of Indonesia's financial landscape and improve its position within Southeast Asia.

KoinWorks is a Indonesian fintech company offering a comprehensive suite of financial products. Users can manage both assets and liabilities on its single platform, making it a one-stop solution for accessible and affordable financial services.

PT. Julo Teknologi Perdana operates a mobile application that offers affordable unsecured personal loans to smartphone users, primarily targeting the underbanked population in Indonesia. The platform connects borrowers with institutional lenders, facilitating a streamlined loan application process that allows users to submit personal documents digitally and receive funds within a day after successful verification. Utilizing machine learning, the company assesses borrowers' creditworthiness to determine interest rates and credit limits. JULO promotes responsible borrowing by rewarding positive behavior with cashback bonuses and offering lower interest rates for reliable customers. Founded in 2016 and based in South Jakarta, JULO aims to provide low-cost loan products while maintaining economic viability for its lending partners.

ErudiFi is a mission-driven technology company focused on making education affordable in Southeast Asia. It operates under the brands Danacita in Indonesia and Bukas in the Philippines, expanding access to higher education by funding thousands of students through technology-enabled partnerships with universities and vocational schools. The company provides an education financing platform that enables students to apply for loans online and receive approvals based on factors such as family income, field of study, and merit, offering low-interest, affordable loans while reducing documentation hassles. By expanding access to financing, ErudiFi aims to drive educational opportunity and support long-term social and economic development in the region.

Carsome operates an online platform that connects sellers of used cars with dealers, offering inspection, valuation, bidding, and logistics to facilitate the entire selling process. The platform supports ownership transfer, financing options, and a curated selection of pre-owned cars for buyers, enabling relatively quick sales. Founded in 2015 and headquartered in Malaysia, Carsome has expanded to Indonesia, Thailand, and Singapore.

Warung Pintar is a micro retail technology company in Indonesia that aims to digitalize commerce for underserved communities. It uses data processing and analytics to capture insights from the bottom of the pyramid to support financial inclusion, social security, behavior analysis, and community engagement, with impact monitoring. The company also provides an end-to-end business platform for small retailers, featuring supply chain digitization, integrated applications, financial services, data analytics, and e-commerce tools to help manage inventory and resources more efficiently.

Hacktiv8 is Indonesia's premier coding bootcamp, transforming beginners into job-ready developers. It pioneers Income Share Agreements (ISAs), allowing students to learn free and pay through a percentage of their future income.

GoWork operates premium coworking spaces designed to foster productivity and collaboration. It offers private offices, dedicated desks, and meeting rooms equipped with amenities, along with business community platforms for members.

PT Payfazz Teknologi Nusantara is a financial technology company focused on providing an agency-based financial platform designed to serve the unbanked population in Indonesia. The platform facilitates secure digital transactions, including bill payments, loans, money transfers, savings accounts, and investment services, thus enhancing financial accessibility for users without bank accounts. PAYFAZZ collaborates with various partners, including banks and financial institutions, to establish a distributed network of agents that streamline payment processes. With a commitment to security, the company employs advanced security measures such as GeoTrust SSL, User ID, and Password protections. Through its innovative solutions, PAYFAZZ aims to contribute to the digital transformation of Indonesia's financial landscape and improve its position within Southeast Asia.

Founded in 2015, Kata.ai specializes in Conversational Artificial Intelligence, focusing on enhancing human-machine collaboration through advanced Natural Language Processing. Its proprietary platform enables businesses to create engaging chatbots across various messaging channels, improving customer engagement and streamlining communication processes.

PT Payfazz Teknologi Nusantara is a financial technology company focused on providing an agency-based financial platform designed to serve the unbanked population in Indonesia. The platform facilitates secure digital transactions, including bill payments, loans, money transfers, savings accounts, and investment services, thus enhancing financial accessibility for users without bank accounts. PAYFAZZ collaborates with various partners, including banks and financial institutions, to establish a distributed network of agents that streamline payment processes. With a commitment to security, the company employs advanced security measures such as GeoTrust SSL, User ID, and Password protections. Through its innovative solutions, PAYFAZZ aims to contribute to the digital transformation of Indonesia's financial landscape and improve its position within Southeast Asia.

Urbanhire is a developer of an online recruitment platform aimed at enhancing the employee search and hiring process. The platform allows users to search for jobs, upload resumes, and specify their desired work domains, facilitating a more efficient recruitment experience. By focusing on technological excellence, collaboration, and people empowerment, Urbanhire strives to provide companies with the tools necessary to attract and retain talented individuals. The company emphasizes the importance of strategic recruitment as a competitive advantage and is particularly committed to supporting growing businesses in Indonesia and across Asia.

PT. Julo Teknologi Perdana operates a mobile application that offers affordable unsecured personal loans to smartphone users, primarily targeting the underbanked population in Indonesia. The platform connects borrowers with institutional lenders, facilitating a streamlined loan application process that allows users to submit personal documents digitally and receive funds within a day after successful verification. Utilizing machine learning, the company assesses borrowers' creditworthiness to determine interest rates and credit limits. JULO promotes responsible borrowing by rewarding positive behavior with cashback bonuses and offering lower interest rates for reliable customers. Founded in 2016 and based in South Jakarta, JULO aims to provide low-cost loan products while maintaining economic viability for its lending partners.

Laku6 is an e-commerce platform based in Indonesia that facilitates the buying and selling of second-hand smartphones. The company targets the emerging middle class by making smartphone ownership and upgrades more affordable through its recommerce model. Laku6 offers accurate and up-to-date pricing and device information, helping customers to purchase quality smartphones at competitive prices. By focusing on the resale market for used mobile phones, Laku6 addresses the growing demand for accessible technology among consumers.

Founded in 2015, Kata.ai specializes in Conversational Artificial Intelligence, focusing on enhancing human-machine collaboration through advanced Natural Language Processing. Its proprietary platform enables businesses to create engaging chatbots across various messaging channels, improving customer engagement and streamlining communication processes.

Xendit is a Southeast Asian fintech company that specializes in providing payment infrastructure primarily in Indonesia and the Philippines. Founded in 2014 by Moses Lo, Tessa Wijaya, Bo Chen, and Juan Gonzalez, Xendit offers a robust payment gateway platform that enables businesses to accept various forms of payments, including bank transfers, virtual accounts, and credit cards. The company simplifies payment processes through a suite of world-class APIs and an intuitive dashboard, allowing businesses to efficiently manage transactions, disburse payroll, and access loan services while also detecting fraud. By streamlining these financial operations, Xendit supports the growth of businesses in the region.

Adskom Pte. Ltd. is an advertising technology company based in Singapore, with additional offices in Jakarta, Indonesia, Palo Alto, California, and Noida, India. Founded in 2013, the company specializes in providing digital advertising solutions tailored for the ASEAN market. Adskom develops programmatic advertising platforms designed to meet the inventory optimization needs of publishers, enhance campaign performance for advertisers, and optimize budget spending for ad buyers. The company's mission is to empower the digital advertising industry through effective technology and insightful business services.

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