Maya：PayMaya钱包转银行押注迎来首个全年盈利

做的是什么生意

Maya Group runs the Philippines' all-in-one money app (formerly PayMaya): e-wallet payments, payments processing and agent network from the original business, plus Maya Bank's savings, credit and BNPL — all owned by PLDT-led Voyager Innovations.

启动资金：US$210M round for Voyager Innovations announced 2022-04-11, led by SIG Venture Capital with EDBI and First Pacific, joined by existing investors PLDT, KKR, Tencent and IFC — valuing Voyager at close to US$1.4B, weeks before Maya Bank's public launch.

起因

Voyager Innovations — backed by PLDT, KKR, Tencent and IFC — had built PayMaya into the Philippines' leading e-wallet, serving 47M registered users by March 2022. Voyager secured one of the country's six BSP digital-banking licenses in September 2021, piloted Maya Bank from March 2022, raised a $210M round in April 2022 at a near-$1.4B valuation, and on April 29, 2022 relaunched the app as Maya with the licensed bank live, bundling savings and credit with the wallet.

经过

Maya Bank pulled deposits and credit through the existing app and ecosystem, and The Asian Banker later credited it with reaching full-year profitability within two and a half years of launch — one of the few digital banks anywhere to get there that fast. Loans disbursed from 2022 reached ₱256B by end-2025, and the customer base doubled over 2025 to 10.7M bank customers.

结果

First full-year profit: the Maya Group reported ₱1.7B net income for 2025, with ~10.7M bank customers and ~₱68B in deposits at end-2025. Forbes put Maya on its World's Best Banks 2026 list for the fourth straight year, and The Asian Banker ranked it the only Philippine digital bank in the world's top 20.

可借鉴之处

拥有数百万用户的钱包可以比银行赢得用户更快地成为银行：Maya将银行业务叠加在PayMaya的轨道上，并在大约两年半内实现全年盈利。