Xin Chào Vietnam,
we're Circle
We're here to make payments intelligent, effortless and empowering for Vietnamese
Tired of payments feeling like a chore?
So were we.
That’s why at Circle, we are rebuilding the payment experience from the ground up. We looked at the old way of doing payments and decided: there has to be a better way. Circle was born from a simple yet powerful idea: payments should be intelligent, effortless, and credit should be empowering, not a maze of fine print, surprise fees, and systems that feel stuck in the past. Circle is safe, smart, and designed for you.
Meet our Driving Force
We're lucky to have a founding team that’s not only experienced but also truly cares about making a difference
Arnab Ghosh
Co-founder
Chief Executive Officer
Imagine someone who really gets digital banking in Vietnam. That's Arnab! After leading strategy at Visa and McKinsey & Company, and already building several successful card businesses, he’s now focused on bringing intelligent, effortless payments to you with Circle.
Marco Breu
Co-founder
Chief Partnership Officer
Marco is our big-picture thinker and partnership whiz. He’s been a guiding force in fintech and consulting across Asia and Europe for 25 years (including heading McKinsey & Company's Vietnam office), and now he’s ensuring Circle works seamlessly with trusted banks for you.
Rahn Wood
Co-founder
Chief Operating Officer
Want things to run smoothly and reliably? So does Rahn! With over 30 years making banking better at places like HSBC & ANZ, including for three local banks in Vietnam, he’s on a mission making sure your Circle experience is charming & flawless - anytime, anywhere
Our Mission is clear
To be the leading AI-powered PayLater platform, setting new standards for transparency, personalization, and user experience in the financial industry. We're not just keeping up with the digital age; we're defining what's next.
Whether you're paying for daily essentials or planning a significant purchase, Circle is here to provide a simple, safe, and intelligent way to manage your payments. Join us as we build the future of payments, one transaction at a time.