.svg)
About HeyMax: Travel sooner, better, smarter
HeyMax is a AI-powered loyalty and travel rewards platform headquartered in Singapore. The company helps users earn Max Miles from over 800 top merchants globally and redeem them directly for 20+ world's leading airline and hotel loyalty programmes, and gift cards. Its vision — helping people travel sooner, better, and smarter — has made it one of the region's standout consumer fintech platforms.
As a technology-first company, HeyMax's approach to finance mirrors its approach to product: infrastructure should be programmable, processes should be automatable, and the tools the team uses should move as fast as the business does.
The challenge: Finance infrastructure that can keep pace with a fast-moving tech company
As a rewards platform, HeyMax manages financial operations at scale. They needed a financial partner that didn't just process transactions, but one that could be integrated with the business itself.
#1 Traditional banking couldn't keep up with the pace of growth
When HeyMax was getting started, onboarding with traditional banks was slow and inefficient. Opening a business account could still require paper forms and wet-ink signatures, creating delays that a fast-moving startup couldn't afford. For a team building quickly, having financial operations lag behind the rest of the business becomes a real operational risk.
Speed is key. Every day without a functioning business account in a new market was a day the team couldn't pay employees, onboard partners, or run the operations that growth demanded.
#2 No API access meant finance couldn't be built into the product
Working with financial infrastructure that offered no API access meant treating finance as a separate manual layer: something to be managed around, not built on top of.
This created friction at two levels. The finance team had to rely on manual workflows instead of automating routine processes. On the product side, any in-product feature touching financial operations required workarounds rather than clean integrations. As a result, HeyMax couldn't fully leverage its own financial infrastructure.
#3 Multi-market complexity with no unified financial platform
As HeyMax expanded across Singapore and Hong Kong, managing spend, cards, approvals, and payments across markets introduced operational complexity that grew quickly. Without a consistent unified platform, the team faced growing context-switching challenges to keep operations running across borders, adding unnecessary overhead.
The solution: A programmable, unified finance stack built for a tech company
Aspire gave HeyMax the speed, flexibility, and API access to treat financial infrastructure not as a constraint, but as a foundation to build on.
#1 Fast account setup that matched the pace of the business
When HeyMax needed to establish operations in Hong Kong, Aspire delivered a fast, low-friction onboarding experience. Getting the account set up required minimal work, and the interface was intuitive enough that the team didn't need extended ramp-up time to get comfortable with it.
HeyMax was able to pay employees and partners without delays, keeping the business running smoothly during a period of rapid growth. What could have been a weeks-long blocker with a traditional bank became a quick and seamless setup with Aspire.
Aspire’s direct feedback channels and quick response times also offered excellent customer support, which matters for a fast-scaling company like HeyMax.
#2 API-driven card issuance that powers in-product features
The capability that made the biggest difference for HeyMax was API access to issue virtual cards at scale. Over the past year, the team used Aspire's APIs to issue more than 500 virtual cards for single-purpose purchases as the underlying infrastructure for an in-app product feature.
Rather than managing these card workflows manually, HeyMax built a scalable system around virtual card issuance that runs automatically. The automation saved the team months of manual work and enabled a product capability that would have been impractical to build any other way.
#3 A unified platform for multi-market operations
With Aspire, HeyMax can handle multi-currency spend, approvals, expense submissions, receipt collection, and card management from a single interface — without requiring the team to rebuild workflows market by market.
Aspire's spend controls gave the finance team the ability to set limits upfront, reducing the time spent resolving issues after they'd already happened. Corporate card issuance, spending parameters, and approval workflows could all be configured and managed in one place, giving the team structure without adding friction to day-to-day operations.
