WHO WE ARE
FINPACT is a US-based fintech company focusing on the auto
finance sector. It is committed to reshaping traditional
models through innovative technology and driving the
industry's digital and intelligent upgrade.
The company completed its early international expansion by
registering in the British Virgin Islands (BVI) in October
2023. After obtaining its US business license in December
2025, it officially began operating and adhering to compliance
as its core entity in the US, fully advancing its
internationalization strategy.
Leveraging its self-developed digital platform and deeply
integrating big data, AI, and blockchain technologies, FINPACT
builds an intelligent, secure, and reliable auto finance
service system, providing efficient, transparent, and
trustworthy solutions to the global market.
Multiple compliance systems
Currently, Finpact holds a BVI business license (for an
international company), a New York business license (for legal
local operation), a US MSB financial license (for financial
regulatory compliance), and an LEI international legal entity
identification number (98450054WA0CBA0A4553).
This multinational compliance system is completely legal and
transparent, representing the most standard and secure
architecture for global multinational corporations, ensuring that
the rights and interests of all users are protected under
international regulation.
Why choose FINPACT LIMITED
Its professional financial team is composed of elites with profound academic backgrounds and rich experience in world-renowned financial institutions. They have a precise understanding and judgment of the financial market.
The diversified auto finance products launched cover the entire automotive industry chain, from personalized solutions for car purchase financing, to various flexible forms of leasing financing, to efficient funding solutions provided by supply chain finance for upstream and downstream enterprises, all of which reflect its deep insight into market demand and innovative capabilities.
Choosing FINPACT LIMITED means choosing a company that excels in professional financial capabilities, business innovation, and market layout, laying a solid foundation for its development and success in the field of auto financial services.
Our Team
GUO Jiaming
Michael Jardine
Kevin Phillips
Duncan Beatty
Chris Walker
Company Development History
Strategic launch: Insight into the trend of auto
finance reform, establish an auto finance division,
and anchor the track
Team building: Start recruiting global elites and
build a "finance + industry + technology" composite
team
Market research: Use data modeling and field research
to lock in the two major tracks of used car finance
and new energy installment
Resource layout: Establish cooperation intentions with
6 leading auto companies, access third-party
evaluation agencies, and build a business ecosystem
Entity registration: Complete registration in the
British Virgin Islands and build a global legal
framework
Architecture upgrade: Adopt matrix management,
formulate standardized operation manuals, and ensure
efficient operation
Technology research and development: Cooperate with
AWS to develop a microservice platform and conduct key
technology verification such as smart contracts
Ecological cooperation: Participate in industry
summits, introduce OpenAI technology, and explore
blockchain application scenarios
Cross-border business breakthrough: the first
cross-border new energy financing lease was
implemented (European car companies × Southeast Asian
shared travel), blockchain technology shortened the
cycle by 40%, and the bad debt rate was 0.3%
Capital and strategic layout: completed US$8 million
in financing, and the funds were used for technology
research and development (40%), talent development
(30%), and market expansion (30%). The headquarters
moved to New York and connected with international
financial institutions to establish cross-border
capital channels
Regional business expansion: Asia: second-hand car
mortgage financing, car dealer capital pool services,
Middle East: water-soaked car recycling and
processing, refurbished export + parts
remanufacturing, Europe: new energy supply chain order
financing, accounts receivable coordination
Compliance system construction: obtained the US MSB
license, deployed AI anti-money laundering system and
blockchain KYC. The global intelligent compliance
platform is connected to multiple regulatory
interfaces in real time
