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Our belief is this: When your money is happy, you are happy too.

Our belief is this:
When your money is happy, you are happy too.

In 2014, our founder, Walter de Oude, had a vision to simplify life insurance.

So he started Singlife – the first new life insurance company in Singapore to be licensed in almost 50 years, which is now one of the largest insurance companies in Singapore. He changed the insurance industry forever. Now he wants to go one step further. He wants to simplify your savings too.

Which is why he has started Chocolate. Because he believes if your money is happy, you’re happy too.

Simplify your savings - How Chocolate Finance Works
Who we are

Meet
the team

At Chocolate Finance, we have brought together a team of experts who have a passion for changing the finance industry. We believe there’s a better way. For you and, as consumers, for ourselves.

We have people who make technology work for you. People who make your experience with Chocolate simple, frictionless and joyful. People who know where to invest your money to help you get the happy returns. We are people who care about making your life richer.

Chocolate's investors include well-known names like Peak XV (previously Sequoia), Prosus, partners of DST Global, Chocolate Ventures and other leading investors.

We’re one team with one dream. All working for you.
Walter de Oude - Founder and CEO for Chocolate Finance
Walter de Oude
Founder and CEO
A qualified actuary with over 25 years of experience in retail insurance, banking and asset management.
Benjamin Tan - Chief Investment Officer for Chocolate Finance
Benjamin Tan
Chief Investment Officer
Benjamin's got 20+ years rocking portfolio management, wealth setups, and capital market smarts!
Thomas Chia - Chief Technology Officer for Chocolate Finance
Thomas Chia
Chief Technology Officer
A decade of hands-on experience in technology and finance, ranging from early-stage startups to corporate enterprise.
Anushka Yadav - Chief Creative Officer for Chocolate Finance
Anushka Yadav
Chief Creative Officer
With a passion for all things creative, she's driven excellence for 12 years, shaping brands and user experiences across diverse business landscapes.
Anto Lawrence - Chief Product Officer for Chocolate Finance
Anto Lawrence
Chief Product Officer
Over 15 years of Product Management experience, skilled in launching digital products across diverse markets.
Artur Luhaäär - Operations & finance for Chocolate Finance
Artur Luhaäär
Operations & finance
Artur has cofounded two fintech startups, developed teams, products, crafted operations and successfully raised millions in funding.
Georgina Bullworthy - Chief Customer Officer for Chocolate Finance
Georgina Bullworthy
Chief Customer Officer
A decade of customer satisfaction and marketing expertise, with a passion for startups and exceptional customer experiences.
Amelia Tan - Head of Compliance for Chocolate Finance
Amelia Tan
Head of Compliance
More than 15 years of investment and regulatory compliance experience in the financial industry.

Why the name Chocolate Finance?

Well why not? 😛 We’re building a happy place for your money so we thought of naming it something that evokes happiness too!
  • Everyone loves Chocolate.
  • Chocolate makes you happy.
  • We want you to be happy about your money.
Our vision

Redefine the meaning of wealth and help people make their lives richer.

We are a company that aims to create financial happiness for everyone, by creating simple and frictionless products that put a smile on your face when you think about finances.

We are growing with you.

The journey has just begun for us. We’re a company that is open to feedback and is growing steadily. Watch this space as we bring more services and product offerings in near time. Tell us what you’d like to see next in the Chocolate app.
Make a suggestion
See the returns on your savings with the Chocolate Finance app

You asked, we answered

What is Chocolate Finance?

We use Citibank for safe custody for your funds and state-of-the-art technology to ensure your money is safe. And for further security, all transactions are secured with Singapass and 2 factor authentication.

Are you covered by the SDIC Singapore Deposit Insurance Corporation, for up to S$75,000?

We use Citibank for safe custody for your funds and state-of-the-art technology to ensure your money is safe. And for further security, all transactions are secured with Singapass and 2 factor authentication.

How does Chocolate Finance generate these great returns?

We use Citibank for safe custody for your funds and state-of-the-art technology to ensure your money is safe. And for further security, all transactions are secured with Singapass and 2 factor authentication.

Is Chocolate Finance legitimate and regulated by the MAS?

We use Citibank for safe custody for your funds and state-of-the-art technology to ensure your money is safe. And for further security, all transactions are secured with Singapass and 2 factor authentication.

As there are no fees, how does Chocolate finance make money?

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Is Chocolate Finance a good way to make money?

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What is the Chocolate Finance waitlist?

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Is Chocolate Finance a bank?

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Get exclusive early access

Join the waitlist
Have a friend who has already has an account? Ask them to refer you!
Download the app
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Scan to download
See your daily returns on your savings in the Chocolate Finance app
3% p.a. return
On your first S$20,000.
Full-on security
Security is our top priority.