Incremental Change, Unfolding Impact


As a growing company, we firmly believe that lasting positive change stems from the accumulation of small, purposeful steps where the journey to a better world begins with the first step, no matter how small. We're not just a fintech company; we're a community of change-makers, dreamers, and doers united by a common purpose: to make a meaningful difference in the world through sustainable and responsible actions.

At M-DAQ, we've embraced a fundamental philosophy for our ESG journey that incremental measures can lead to extraordinary outcomes. We firmly believe that the small actions we take today, when accumulated and nurtured in collaboration, have the power to create transformative impact on tomorrow's world. From reducing our environmental footprint to uplifting our employees and engaging with communities, we celebrate progress, but we also embrace failures, for they teach us invaluable lessons and propel us forward. We believe all of these help us learn and innovate.

Social, Gender Equality and Diversity

Eliminating Barriers for
a United M-DAQ

Aligned with our mission to create a World without Currency Borders™, we’re committed to embracing diversity and fostering an inclusive workplace where individuals from various nationalities thrive. We believe that diversity is not only a source of strength, but also essential for innovation and success in today's globalised world. To achieve this, we strive to create an environment that encourages open dialogue, mutual respect, and equal opportunities for all. In addition, we practise non-discriminatory and inclusive hiring processes. A testament to our commitment is our diverse workforce of nearly 20 different nationalities, bringing a wide range of perspectives, experiences, and skills to the table.

"At M-DAQ, we don’t just build a workplace. We build a culture that encourages connections and fosters relationships."
Decent Work and Economic Growth

Empowering Our Employees – Continuous Learning and Development

We invest in the growth and development of our employees. Each employee will work with their managers and peers to develop a personal training roadmap, allowing them to access a variety of learning opportunities, including external courses and on-the-job training. This is particularly important in today’s VUCA (volatility, uncertainty, complexity, ambiguity) world, where new technological developments and changing ecosystems may transform the way we perform our work. By fostering a culture of continuous learning and adaptability, we not only drive our company's success, but also enable our employees to excel in their roles and achieve their long-term career aspirations.

Industry, Innovation, and Infrastructure

Ensuring a Greener Future - Our Net-Zero Commitment

One of our core projects, amp aims to help businesses and individuals gain better access to financial services. Amp enables SMEs to offer Earned Wage Access to their employees, allowing them to access their earned wages on demand, instead of waiting for the end of their pay cycle, providing extra liquidity benefits. Employees will be empowered to manage their salaries autonomously to meet their individual needs such as paying bills, addressing emergency spendings, and crafting personal saving strategies.

Climate Action

Ensuring a Greener Future -
Our Net-Zero Commitment

We aim to achieve net-zero emissions for scope 1 and 2 carbon emissions by the end of 2023. Despite being a relatively low carbon emitter, we believe that the fight against climate change is a global responsibility that everyone must play a part, and every effort counts. To attain this goal, we're focusing on energy efficiency, renewable energy adoption, and sustainable practices.

Additionally, we're exploring ways to measure and manage scope 3 emissions, which encompass our entire value chain. These efforts reflect our strong commitment to sustainability and environmental responsibility, showcasing our dedication to creating a greener future.

As of October 2023, given our continuous efforts in tracking the organisation's carbon emissions, we are delighted to have successfully achieved the LowCarbonSG logo under the LowCarbonSG programme, helmed by UN Global Compact Network Singapore, and supported by the National Environment Agency and Enterprise Singapore. We see this milestone as the beginning of a continuous decarbonisation journey.

Be Part of Our Journey

We invite you to explore our ESG initiatives, witness the power of small steps, and envision the impactful outcomes that lie ahead. Thank you for being a part of our journey, and let's step into the future, one small, purposeful step at a time. If you would like to collaborate, please write to us, the Sustainability Task Force,