Financing cross-border SME trade.
GobiAi brings Buy Now, Pay Later to global commerce — paying your suppliers in China today, while your buyers in the West pay on terms. Klarna-style flexibility, built for business.
Built for B2B marketplaces · Embedded at checkout · Compliance-first
Suppliers paid now
Settle Chinese merchants on shipment — not on payment — and lift their cash flow instantly.
Buyers pay later
Give Western buyers 30–90 day terms without tying up their working capital.
AI does the underwriting
Real-time, data-driven credit decisions at checkout. Approvals in seconds, not weeks.
A new way to finance trade.
GobiAi sits inside the commerce flow between Chinese suppliers and Western buyers, advancing payment so trade keeps moving. We call it payables financing — the B2B counterpart to consumer BNPL.
Order placed
A Western buyer purchases from a Chinese merchant on a partner marketplace.
Supplier paid
GobiAi pays the supplier upfront, on shipment — so they get working capital immediately.
Buyer pays on terms
The buyer repays GobiAi over 30, 60 or 90 days.
AI manages the risk
Our models price, approve and monitor every transaction in real time.
Where we earn
A transparent financing fee on each transaction, shared across the trade, plus platform fees for embedded partners. No hidden costs to merchants.
Embedded by design
GobiAi integrates into marketplaces and B2B commerce sites via API — financing offered at the point of checkout, white-labelled to the platform.
What we offer.
A single integration that finances both sides of a cross-border trade — and the AI that keeps it safe.
Embedded BNPL at checkout
Offer Pay Later inside your B2B marketplace, fully white-labelled to your brand.
Supplier early settlement
Pay Chinese merchants on shipment to unlock their cash flow.
Buyer credit terms
Flexible 30–90 day terms for Western buyers, decided instantly.
AI credit underwriting
Alternative-data risk models that approve more, faster, with lower defaults.
Cross-border settlement & FX
Multi-currency payouts across China–West corridors, handled end to end.
Partner API & dashboard
A clean API to integrate, plus real-time analytics on volume, limits and risk.
Built AI-native, for cross-border trade.
GobiAi isn't a bank with a model bolted on. Intelligence sits at the core of how we price, decide and protect every transaction.
Real-time AI underwriting
Decisions in seconds using trade, behavioural and alternative data — not weeks of paperwork.
Dynamic credit limits
Limits that adapt to a buyer's live trading behaviour, not a stale annual review.
Continuous risk monitoring
Models watch every account around the clock for fraud and stress, well before a default.
Built for the China–West corridor
Purpose-built for the realities, languages and compliance of cross-border SME trade.
Compliance-first
KYC, AML and sanctions screening embedded in every onboarding and transaction. Headquartered in Singapore.
Embedded & scalable
One integration scales financing across an entire marketplace, in any currency.
The result: suppliers get paid sooner, buyers buy more, and platforms grow — all underwritten by AI.
Let's talk.
Whether you're a marketplace, a merchant or a future teammate — we'd love to hear from you.
GobiAi.Net
8 Marina View, #43-42023B
Asia Square Tower 1
Singapore 018960
We typically reply within one business day.