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.

Founder of

Outstanding CEO 2018

EY Entrepreneur Of The Year 2021 (digital insurance)

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

A qualified actuary with over 25 years of experience in retail insurance, banking and asset management.

Benjamin Tan

Chief Investment Officer

Benjamin's got 20+ years rocking portfolio management, wealth setups, and capital market smarts!

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

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

Over 15 years of Product Management experience, skilled in launching digital products across diverse markets.

Artur Luhaäär

Operations & finance

Artur has cofounded two fintech startups, developed teams, products, crafted operations and successfully raised millions in funding.

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

Photo of Chocolate Finance's App in a mobile phone where customers can see their daily returns on their savings.

You asked, we answered

Can't find your question?
View all our FAQ’s, chat with us on WhatsApp, or email us via: hello@chocolatefinance.com

What is Chocolate Finance?

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

How does Chocolate Finance generate these great returns?

Is Chocolate Finance legitimate and regulated by the MAS?

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

Is Chocolate Finance a good way to make money?

What is the Chocolate Finance waitlist?

Is Chocolate Finance a bank?

Get exclusive early access

Have a friend who already has an account? Ask them to refer you!

Download the app

Easy sign-up using Singpass

Top up and get started

Download the app

Scan to download

3% p.a. return

On your first S$20,000.

Full-on security

Security is our top priority.

Chocolate Finance is a brand of Chocfin Pte Ltd (UEN 202347190R). Chocfin Pte Ltd is licensed by the Monetary Authority of Singapore (CMS101452) to perform fund management activities. All investments involve risk. The 4.2% p.a. return is subject to change based on market conditions, with Chocolate top-up support offered as an incentive during the Qualifying Period, and it does not constitute a guarantee of return or capital. Terms and conditions apply.

This website was prepared without regard to your specific investment objectives, financial situation, accounting or tax needs and does not constitute advice. Before applying you should consider carefully whether the product/service is suitable for you. This advertisement has not been reviewed by the Monetary Authority of Singapore.

All views expressed are opinions of Chocolate Finance and are subject to change based on market and other conditions without notice or obligation. These opinions are not intended to be a forecast of future events, a guarantee of future results or investment advice. The mention of any individual securities should neither constitute nor be construed as a recommendation to purchase or sell investments, and the information provided regarding such individual investments is not intended to be used to form any basis upon which an investment decision is to be made. Any statistics have been obtained from sources Chocolate Finance believed to be reliable but the accuracy and completeness of the information cannot be guaranteed. Past performance is not indicative of future results.

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

Meet the team