{"id":32051,"date":"2025-12-16T12:16:38","date_gmt":"2025-12-16T10:16:38","guid":{"rendered":"https:\/\/scroll.media\/2025\/12\/16\/tonik-raises-12m\/"},"modified":"2025-12-18T01:46:14","modified_gmt":"2025-12-17T23:46:14","slug":"tonik-raises-12m","status":"publish","type":"post","link":"https:\/\/scroll.media\/en\/2025\/12\/16\/tonik-raises-12m\/","title":{"rendered":"Tonik, a Filipino Neobank Founded by a Ukrainian, Raises $12M"},"content":{"rendered":"\n<p>Filipino neobank Tonik, founded by former CEO of Ukrainian Platinum Bank Greg Krasnov, has raised $12 million in a Pre-Series C round, <a href=\"https:\/\/tonikbank.com\/news\/tonik-raises-us12m-pre-series-c-scale-capital-efficient-lending-philippines\">according<\/a> to a press release from the company. The round was led by Ukrainian investment firm Diligent Capital Partners (DCP), with participation from Plio Limited, Altara Ventures, and Tonik\u2019s management team.<\/p>\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\u00abWhile our fund\u2019s primary focus is on Ukraine and the Black Sea basin, we also back mission-driven Ukrainian founders building globally,\u00bb said Dan Pasko, partner at Diligent Capital Partners.<\/p>\n<\/blockquote>\n\n<h2 class=\"wp-block-heading\">Deal Details<\/h2>\n\n<ul class=\"wp-block-list\">\n<li>The funds will be used to scale capital-efficient lending, accelerate customer acquisition, expand cross-selling, and enhance automation.<\/li>\n\n\n\n<li>At the time of the fundraising, Tonik\u2019s annual revenue exceeded $40 million, and its contribution margin turned positive at the end of 2024. The neobank expects to break even in cash flow during the first half of 2026.<\/li>\n\n\n\n<li>Over three years of scaling, Tonik\u2019s loan portfolio has grown 15-fold, reaching $83 million. Its B2B2C distribution network includes nearly 400 employers and more than 500 retail partners, channels through which the neobank attracts end customers.<\/li>\n<\/ul>\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\u00abTonik was built to prove that financial inclusion in emerging markets can be delivered with truly world-class returns. The momentum we\u2019re seeing in risk performance, technology leverage, and channel scale shows that the model works \u2014 and is ready for another 10x in the next 2-3 years,\u00bb Krasnov commented.<\/p>\n<\/blockquote>\n\n<ul class=\"wp-block-list\">\n<li>Diligent Capital Partners is a mid-market private investment firm focused on mobilizing public and private capital to strengthen the economies of Ukraine and the Black Sea region.<\/li>\n<\/ul>\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\u00abOur team supported Greg more than a decade ago in one of his prior builds, and many other high-performing Ukrainian leaders are now helping drive Tonik,\u00bb Pasco said.<\/p>\n\n\n\n<p>Tonik\u2019s robust unit economics and advanced technology stack position the neobank as a potential leader among digital banks in Southeast Asia over time.<\/p>\n<\/blockquote>\n\n<ul class=\"wp-block-list\">\n<li>Other investors in previous rounds include Mizuho Bank, Insignia Ventures, Peak XV (formerly Sequoia India), and Point72 Ventures.<\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\">About Tonik<\/h2>\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/tonikbank.com\/\">Tonik<\/a> is the first fully online digital neobank in the Philippines, operating under a full banking license from the Bangko Sentral ng Pilipinas (BSP).<\/li>\n\n\n\n<li>The neobank offers loans, deposits, and embedded finance through a mobile app in a latent market worth over $100 billion, where unsecured consumer lending remains one of the least developed sectors in Southeast Asia.<\/li>\n<\/ul>\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"516\" height=\"778\" src=\"https:\/\/scroll.media\/wp-content\/uploads\/2025\/12\/sil-phone.png\" alt=\"\" class=\"wp-image-31870\" style=\"width:300px\" srcset=\"https:\/\/scroll.media\/wp-content\/uploads\/2025\/12\/sil-phone.png 516w, https:\/\/scroll.media\/wp-content\/uploads\/2025\/12\/sil-phone-199x300.png 199w\" sizes=\"auto, (max-width: 516px) 100vw, 516px\" \/><\/figure>\n<\/div>\n<ul class=\"wp-block-list\">\n<li>Since its founding by a Ukrainian expatriate, Tonik has become a notable player in the fintech market. The company has developed AI scoring for risk management, trained on proprietary data collected over three years. Its cloud-based architecture enables real-time online underwriting and automated servicing, reducing costs and stabilizing risk.<\/li>\n\n\n\n<li>The bank currently provides over 25% risk-adjusted return on capital (RAROC), and its risk-adjusted gross margin has grown 4.5 times over the past twelve months.<\/li>\n<\/ul>\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Filipino neobank Tonik, founded by former CEO of Ukrainian Platinum Bank Greg Krasnov, has raised $12 million in a Pre-Series C round, according to a press release from the company. The round was led by Ukrainian investment firm Diligent Capital Partners (DCP), with participation from Plio Limited, Altara Ventures, and Tonik\u2019s management team. \u00abWhile our \u2026 <a title=\"Tonik, a Filipino Neobank Founded by a Ukrainian, Raises $12M\" class=\"read-more\" href=\"https:\/\/scroll.media\/en\/2025\/12\/16\/tonik-raises-12m\/\" aria-label=\"Read more about Tonik, a Filipino Neobank Founded by a Ukrainian, Raises $12M\">Read more<\/a><\/p>\n","protected":false},"author":6,"featured_media":31868,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[113],"tags":[436,445],"class_list":["post-32051","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investments-en","tag-ai-en","tag-fintech-en"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.2 - 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