Investor Relations
The credit card intelligence layer for Vietnam.
Tapdi helps people get the full value of the credit cards they already hold: the right card for each purchase, cashback checked against the bank, and every due date in view. No bank password required.
The problem
Card rewards keep growing. So does the fine print.
Card use in Vietnam keeps growing as payments move away from cash. Banks compete with cashback, but each card comes with its own rates, caps per statement cycle, eligible merchant categories, minimum spend and fees.
With two or three cards in a wallet, few people can say which card fits a purchase, whether a cap is already full, or whether the bank paid the cashback it promised. Most rely on memory, notes or spreadsheets, and leave value on the table.
Our solution
One place to manage every card, from purchase to payment.
Capture
Transactions are read from the bank alert emails users forward. Users approve every entry before it counts.
Choose
Before paying, Tapdi ranks the user's cards for the purchase using each card's real rules and remaining caps.
Reconcile
When the statement arrives, Tapdi compares estimated cashback with what the bank actually credited and flags the gaps.
Pay on time
Statement dates, payment deadlines and instalments across all cards sit on one calendar, with reminders.
Why now
Three shifts make this the right moment.
Cashless growth
More everyday spending in Vietnam now runs through cards and digital payments, and more people hold more than one card.
Rising complexity
Banks compete with richer, more conditional reward programmes. The value is real, but harder for cardholders to capture.
Higher trust standards
Vietnam's Personal Data Protection Law (No. 91/2025/QH15) raises the bar on data handling. Tapdi was designed for it from day one.
Business model
Revenue aligned with the user.
We earn in ways that keep the user's interest first. This decides who we serve and how we grow.
Subscription
A free plan with no payment method. A prepaid Plus plan adds advanced tools and never auto-renews.
Disclosed card referrals
Partner fees when a user opens a card through Tapdi. Fees never change the order of personalised suggestions, and sponsored placements are always labelled.
Aggregate market insight
Anonymised, aggregate statistics for market research. Never names, emails, card numbers or individual transactions.
Trust by design
Commitments that protect users and the business.
- No bank username, password, OTP or full card number, through any channel.
- Cashback figures are clearly labelled as estimates. The bank's statement is the official record.
- We do not sell personal data. Users can export or delete their data at any time.
- Terms and privacy policy written for Vietnamese law.
Leadership
The founding team.
Tapdi is built by a focused founding team, close to the users and banks it serves.
Mark Pham
Co-founder
Leads product and operations at Tapdi.
Ngoc Le
Co-founder
Helping build Tapdi to make everyday card management clearer, friendlier and easier.
Where we are
Early stage, product live.
The Tapdi app is live in Vietnam. We are open to conversations with partners who share our view of transparent personal finance.
Angel investors and early-stage funds
Backing a consumer fintech product built for Vietnam.
Banks and card issuers
Reaching informed, engaged cardholders through transparent partnerships.
Strategic partners
Payments, data and distribution partners in Southeast Asia.
Contact
Speak with the founders.
This address reaches the founders directly.
mark@tapdi.vn