How Pinhome has revolutionised Real Estate Purchasing, powered by Aspire’s Multi-Currency Cards
December 16, 2025
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Before Aspire
Traditional corporate cards with limited caps based on Central Bank Regulation
Stuck paying hefty FX fees and markups on their existing credit lines, leading to lost opportunity cost and hampering Pinhome's true potential
After Aspire
With Aspire's Advance Cards, merchant locks features and budget controls, Pinhome now has access to a flexible, highly visible, and controllable interest free line of credit that they can leverage for growth initiatives without negatively impacting their bottom line
With Pinhome now able to issue corporate cards in multiple currencies, they can now make payments directly in their required currency, almost entirely eliminating FX fees
| Company | Founded | Company size | Founder |
|---|---|---|---|
| Pinhome | 2020 | 201-500 | Dayu Dara Permata |
| Industry | Case study focus | Country | Website |
|---|---|---|---|
| Online Merchants | Expense Management | Indonesia | https://www.pinhome.id/ |
The Company: A Next Generation Employment Platform
Founded in 2020 by Dayu Dara Permata, Pinhome has very quickly established itself as a forward thinking, cutting-edge real-estate platform. Their mission to remove barriers that buyers and owners often experience has led them to leverage the latest technology in managing this platform. This ensures any property sale, purchase or rental transactions through their portal is not just hassle-free, but efficient and transparent as well.
The Challenges: Accelerating Growth Capital
In order to maintain their rapid growth in the region, Pinhome needed to ensure that their internal finance processes were agile enough to support their scaling needs. This meant allowing their employees to make smart, controlled decisions and building lean processes that would help their team focus on priorities that make maximum impact on the business. While this was already possible in most aspects of the business, they had so far fallen short when it came to managing flexible capital.
#1 Difficulty Maximising Growth Capital with Their Existing Corporate Cards
Rapidly scaling companies like Pinhome need flexible capital to grow their pipeline of clients and expenses. With the ultimate goal of expanding their platform on a national scale, Pinhome would need as much flexibility as possible to drive their top line growth. However, their existing corporate cards were not fully optimised for their needs, leading to some key challenges:
- Every card issued to Pinhome came with many hidden charges, additional fees, and high interest rates on credit, which severely hampered their liquidity and deterred Pinhome from issuing more corporate cards.
- Their finance controllers had difficulty exercising control over each individual card spend, being unable to set spend or credit limits to each card.
- Troubleshooting issues with each card was a cumbersome and time-consuming affair as their card provider was often slow to respond.
For tech companies like ours, we need flexible and tailored solutions that help us drive growth and provide us the most benefit possible.
The Pinhome Team team at the S8R Social Run in November 2021
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