ChiCha Buys 48 Minority Stake in BSP-Licensed PayLoro Marking a New Chapter in PayFi

Singapore, 3rd Oct 2025- September 30, 2025 - ChiCha, the stablecoin-native wallet building the PayFi layer for the AI + human economy, announced it has bought a 48% minority, non-controlling stake in PayLoro, a BSP-regulated payments company.

The move gives ChiCha integration access to licensed payment rails in the Philippines, one of the world's fastest-growing digital payment and remittance economies, while PayLoro continues to operate as EMI/OPS and retain all fiat custody and compliance. Ahead of its upcoming token generation event (TGE), ChiCha is accelerating regional expansion by aligning stablecoin rewards with regulated infrastructure.

For customers: Every payment becomes more than a transaction. With ChiCha, every USDT spend is ownership, loyalty, and intelligence.

o Merchants continue with their current PayLoro setup and now have the option to layer on ChiCha rewards, opening new ways to attract and retain customers.

o Unlock $CHI utility for feature access, community participation, and AI wealth-growing tools.

o Pay in USDT and earn ChiPoints loyalty instantly.

David Chang, Founder & CEO, ChiCha: "This isn't cashback, it's ownership. By having access to PayLoro's BSP-licensed rails, ChiCha is turning everyday stablecoin transactions into adoption at scale. We're showing how stablecoins can live inside licensed rails, not outside them: A new chapter for payments."

Andrew Bonnevie, Ecosystem Strategy, ChiCha: "In Southeast Asia, millions of payments happen every day. With ChiCha, those same payments now unlock loyalty, utility, and AI-powered tools creating a growth engine for stablecoin adoption that both users and merchants can benefit from."

PayLoro serves more than 1,300 merchants and processes over 5 million transactions monthly. The company was recognized as "Rising Star of the Year" at the P-Innovator Summit 2022.

While most crypto projects have stayed at the edges of regulated payments, ChiCha is taking a different route - plugging stablecoin rewards directly into licensed EMI/OPS infrastructure. For those watching the intersection of Web3 and banking, this stake signals a rare experiment: what happens when crypto doesn't bypass the system, but builds on top of it.

Key Facts (Compliance-First)

o Attribution: Merchant and transaction metrics are from PayLoro's published figures

o Scope: Initial rollout in the Philippines, with regional expansion subject to local regulatory approvals

o Roles: PayLoro/EMVI = EMI/OPS + fiat custody/compliance; ChiCha = ChiPoints (off-chain loyalty), $CHI utility (feature access, community participation, AI tools), Genie AI

o Structure: 48% minority, non-controlling stake; no merger; no license transfer

About ChiCha

ChiCha is the first stablecoin-native wallet where every spend earns ownership. Users pay with stablecoins and earn off-chain ChiPoints (non-tradable loyalty), unlock $CHI utility (feature access, community participation, AI tools), and tap Genie AI for smarter financial actions. ChiCha is building the PayFi layer where stablecoin payments, rewards, and AI converge. It follows a compliance-first approach and does not issue e-money, operate as an EMI/OPS, provide fiat remittances, or offer custodial fiat accounts.Learn more at chicha.io

About PayLoro (eMandarin Ventures, Inc.)

PayLoro, operated by eMandarin Ventures, Inc., is regulated by the Bangko Sentral ng Pilipinas (BSP) as an Electronic Money Issuer (EMI) and Operator of Payment System (OPS). Its platform includes wallet, gateway, QR acceptance, and payouts, serving 1,300+ merchants and processing 5M+ monthly transactions. PayLoro received the "Rising Star of the Year" award at the P-Innovator Summit 2022.Learn more at payloro.ph

Compliance & Safe-Harbor Notes

This announcement describes a minority equity investment (48%). PayLoro/EMVI remains the BSP-regulated EMI/OPS and retains all fiat custody and compliance. ChiCha does not issue e-money, operate as an EMI/OPS, or hold fiat. No offers or solicitations regarding digital assets are being made. No token price or listing statements. Services and availability are subject to regional restrictions and ongoing compliance review. Metrics cited are from PayLoro's published figures.Website: https://chicha.io

Email: info@chicha.io

Social Media: X/Twitter | Telegram

Contact Details

Organization: ChiCha

Contact Person: Andrew Bonnevie

Website: https://chicha.io

Email: Send Email [https://dashboard.kingnewswire.com/release-contact/34735]

Country: Singapore

Release Id: 03102534735

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