Tonik (www.tonikbank.com) is the first digital-only neobank in the Philippines, providing loan, deposit, payment, and card products to consumers on a highly secure digital banking platform. The neobank operates on the basis of the first private digital bank license issued by the Bangko Sentral ng Pilipinas. Tonik is led by a team of retail finance veterans who have previously built and scaled multiple retail banks and fintechs across the global emerging markets. It is backed by top international venture capital funds. Tonik operates out of hubs in Singapore (HQ), Manila, Chennai, and Kyiv.