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About ONEO

Your global finance, one app

Born at Switzerland HQ. Built with American scale and Swiss discipline — so people and businesses can move money without borders.

Try ONEO now

12+ million

personal customers across our corridors

180K+

businesses running treasury on ONEO

160+

countries and regions for everyday spend

3 hubs

Switzerland HQ · New York · Zurich

A global money platform from Switzerland HQ

ONEO helps people and companies hold, spend, send and grow money in one place — with clear fees and mid-market FX.

From multi-currency salaries in Asia to travel spend for US customers and Swiss-grade risk controls, we design products that feel local wherever you are.

Milestones that shaped ONEO

2019

  • ONEO founded at Switzerland HQ by James Mitchell & Lim Wei Jie
  • Established as ONEO Pte. Ltd. under Switzerland HQ
  • Opened first product lab for multi-currency wallets at Switzerland HQ

2020

  • Closed seed round with ASEAN fintech investors
  • Launched private beta for Switzerland HQ corridor customers
  • Built fund-segregation model with partner banks

2021

  • Reached 100,000 personal customers
  • Issued first ONEO Visa & Mastercard with our logo
  • Opened Series A to scale payments infrastructure

2022

  • Launched ONEO Business for ASEAN SMEs
  • Introduced Standard, Plus, Premium and Metal plans
  • Opened a US customer growth desk for travellers & expats

2023

  • Established Zurich hub for risk, audit and core tech
  • Surpassed 2 million global customers
  • Enabled spend in 120+ countries on ONEO cards

2024

  • Rolled out Apple Pay & Google Pay for ONEO cards
  • Launched ONEO Points rewards across paid plans
  • Expanded to 36 currencies with local account details

2025

  • Opened New York office for Americas partnerships
  • Reached 12 million personal customers worldwide
  • Deepened Swiss-aligned compliance & AML programmes at Switzerland HQ

2026

  • Launched ONEO AI assistant for spend coaching & fraud alerts
  • Expanded Board with Switzerland HQ, US and Swiss directors
  • Live in 160+ countries and regions for everyday spend

Built by teams across three continents

Engineering and risk at Switzerland HQ, growth partners in the United States — working as one company to ship carefully and move fast for customers.

Meet our Board of Directors

Swiss, American and global leaders who set strategy, oversee risk, and keep ONEO accountable to customers and regulators.

Chair

Tan Wei Loon

Tan Wei Loon formerly served as Managing Director of Private Equity at GIC and spent several years on the Swiss financial regulators’ FinTech advisory panel, helping shape cross-border payments and digital-asset regulation across ASEAN.

Before joining ONEO, he was an independent director at multiple listed fintech groups in Southeast Asia and was named among Harvard Business Review Asia’s Top 100 CEOs. He holds an LLB from the University of Zurich and is a CFA charterholder.

Tan Wei Loon

Co-founder & CEO

James Mitchell

James Mitchell co-founded ONEO in 2019 to give people one app for multi-currency accounts, international transfers, and digital assets. He previously traded emerging-markets derivatives at Goldman Sachs and J.P. Morgan, managing over $2 billion in notional exposure.

Mitchell holds a BA in Economics from Stanford and an MBA from Wharton. Based at Switzerland HQ, he leads ONEO’s regulated expansion across Europe, Asia and North America.

James Mitchell

Co-founder & CTO

Lim Wei Jie

Lim Wei Jie co-founded ONEO with Mitchell and leads the global core-banking platform, real-time clearing engine, and multi-region infrastructure. He previously headed digital-channel engineering at DBS Bank and built payments and risk systems at Grab Financial.

Lim holds an MSc in Computer Science from Nanyang Technological University and brings more than fifteen years of experience in real-time billing, cross-border FX, and open-banking APIs.

Lim Wei Jie

Chair, Remuneration Committee

Catherine Hoffman

Catherine Hoffman is a non-executive director at ONEO and former Vice President at Morgan Stanley International, where she served on the global human-capital committee. Since retiring in 2018, she has joined the boards of several US and European fintech companies.

She is a director of the Financial Women’s Association of New York and sits on advisory boards at two US business schools. Hoffman holds a BA in Political Science from Yale and an MBA from Columbia.

Catherine Hoffman

Chair, Group Audit Committee

Dr. Heidi Müller

Dr. Heidi Müller spent more than 18 years as an audit partner at PwC Switzerland and is a member of EXPERTsuisse. She led IFRS audit engagements for multinational banks and payment institutions across Switzerland and the EU.

She is a guest lecturer at a Zurich business school and serves on audit committees for several Swiss and European foundations. Dr. Müller holds a doctorate in Economics from the University of Zurich.

Dr. Heidi Müller

Independent Non-Executive Director

Su Minyi

Su Minyi is a seasoned banker who was Director of Retail and SME Credit at OCBC Bank and Chief Risk Officer at Standard Chartered Switzerland HQ, with more than 25 years of Asia-Pacific retail and commercial banking experience.

More recently she has served as Chief Risk Officer at two digital banks, helping each obtain a Switzerland HQ banking licence and build enterprise-wide risk frameworks. Su is a Chartered Banker and Fellow of the Institute of Banking and Finance Switzerland HQ.

Su Minyi

Chair, Group Risk & Compliance Committee

Robert Hayes

Robert Hayes was a senior regulatory adviser at the Federal Reserve Bank of New York and contributed to anti-money-laundering policy at the US Treasury’s FinCEN, with deep expertise in cross-border compliance and sanctions screening.

Before ONEO, he was Chief Compliance Officer at two US licensed payment companies. Hayes holds a JD from Georgetown University and is a senior member of the Association of Certified Anti-Money Laundering Specialists (CAMS).

Robert Hayes

Independent Non-Executive Director

Markus Keller

Markus Keller spent more than twenty years at UBS in senior roles including Head of Operations for Global Wealth Management and Head of Digital Asset Strategy, leading custody and compliance innovation across Switzerland and the EU.

He advises the Zurich FinTech Association and serves on the boards of several blockchain infrastructure companies. Keller holds a Master’s in Banking and Finance from the University of St. Gallen (HSG).

Markus Keller

VP of Technology

Nicolas Baumann

Nicolas Baumann leads ONEO’s global engineering organisation of 800+ people, overseeing the core banking platform, global payment routing, and 24/7 infrastructure serving customers in 50+ countries.

Before ONEO, he built large-scale payments and billing systems at Credit Suisse and IBM. Baumann holds an MSc in Computer Science from ETH Zürich.

Nicolas Baumann

Governance you can trust

ONEO Pte. Ltd. is headquartered at Switzerland HQ. We align product and risk programmes with Swiss regulatory expectations for fintech platforms, and partner with licensed institutions for banking rails.

Our Group Audit and Risk & Compliance Committees — chaired by independent directors from Switzerland and the United States — review controls, capital planning, and customer-fund safeguards on a regular cadence.

Recognised for global payments and digital finance

Asia FinTech Innovation — Cross-border Payments 2025

4.8 / 5 customer satisfaction (in-app Pulse)

Best Multi-currency App — ASEAN Digital Awards 2025

Trust & Security Excellence — Switzerland HQ Fintech Festival partner showcase

ONEO · Your global finance, one app

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