SDAX Financial

SDAX Financial (Formally known as The Minterest Group) is a digital financial services solutions provider to international clients and global investors. It was founded on the belief that everyone can gain access to financial and investment solutions that meet their individual requirements and objectives.

We focus on providing quality, diversified and well-structured investment opportunities to our investors while delivering relevant and appropriate financial solutions to both our corporate and consumer clients. With ARA being a major shareholder in the Minterest Group, we unlock institutional-grade real estate investment opportunities to our retail and accredited investors. 

SDAX Financial

Our Strategic Shareholders

We are backed by industry-recognised leaders, who combine their strong track record in real estate with our robust digital platform to unlock institutional-grade real estate investment and corporate investment opportunities.

ara logo

ARA and its Group CEO, Mr. John Lim, took a significant stake in the Minterest Group. ARA Asset Management Limited is a leading APAC real assets fund manager with a global reach. As at 30 June 2020, Gross Assets Managed by ARA Group and its Associates is S$110 billion across 28 countries.

Incorporated in 1887, The Straits Trading Company Limited (STC) is a conglomerate-investment company with diversified operations and financial interests internationally. From its early years as the world’s largest tin producer in the 1880s, STC has successfully transformed itself into a major player in real estate, hospitality and resources under the leadership of Ms Chew Gek Khim, who is also SDAX Financial Group’s non-Executive Director. Ms Chew brings with her a wealth of experiences to SDAX, and sits on various Boards, including that of Singapore Exchange Limited.

Our Board of Directors

Tan Chong Huat

Non-Executive Chairman

Chew Gek Khim

Non-Executive Director

Charis Liau

Executive Director & CEO

Ronnie Chia

Executive Director & COO

Ng Beng Tiong

Non-Executive Director

Lim Cheng Teck

Non-Executive Director

Yun Chee Keen

Non-Executive Director

Jayaprakash Jagateesan

Non-Executive Director

Our Advisory Board

John Lim

Senior Advisor

Our Board of Directors

Tan Chong Huat

Non-Executive Chairman

Chew Gek Khim

Non-Executive Director

Charis Liau

Executive Director & CEO

Ronnie Chia

Executive Director & COO

Ng Beng Tiong

Non-Executive Director

Lim Cheng Teck

Non-Executive Director

Yun Chee Keen

Non-Executive Director

Jayaprakash Jagateesan

Non-Executive Director

Our Advisory Board

John Lim

Senior Advisor

Empowering Investors and Businesses

Minterest connects corporate clients with investors to meet each other's financing and investment objectives. We aim to build tomorrow’s financial eco-system – one that serves rather than rules. With our proprietary credit algorithm, Minterest aims to bring financial inclusion to all businesses and enable Investors to access quality investments to enhance your investment portfolio.

More About Minterest >

Personal Finance Made Easy

Minterest Money delivers bespoke and personalised financing costs to each individual borrower, instead of a one-size fits all pricing. We believe that each individual should pay only for her or her own financing cost, your education and personality counts - they can help you get better rates. Using our psychometric test, consumers can get interest rates from as low as 0.55% per month.

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Digital Asset Exchange

SDAX is a blockchain powered institutional grade digital assets exchange based in Singapore for the listing and trading of asset-backed digital securities, enabling asset owners, institutional and accredited investors to access a new world of fundraising and investment opportunities through the listing and trading of asset-backed digital securities.

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Buy Now, Pay Later

Minterest Pay allows consumers to split the cost of their purchase over installments without interest fees, empowering consumers to better manage their cashflow.

More About Minterest Pay >

Get Started with Minterest

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Tan Chong Huat 

Non-Executive Director

Chong Huat is the Non-Executive Chairman of RHT Group of Companies and a Senior Partner and one of the founding members of RHTLaw Asia. His role as Non-Executive Director and Deputy Chairman of SDAX is to provide strategic advice on SDAX’s business and growth.

Chong Huat has been involved in sectors such as fintech, training, learning and development, consulting and advisory on wealth and asset management. He also has extensive experience in corporate, banking and project finance law in Singapore and the region, and acted in numerous significant corporate transactions in the areas of IPOs, RTOs, MBOs, restructuring, M&As, and financing of major real estate and infrastructure. He has been named a leading practitioner in many reputable professional publications, with a recent recognition by IFLR1000 as a “Leading Lawyer” and by Legal 500 Asia Pacific as a “Leading Individual” for Corporate and Mergers & Acquisitions.

Chew Gek Khim

Non-Executive Director

Ms Chew Gek Khim is a lawyer by training. She has been Chairman of The Straits Trading Company Limited since 24 April 2008. Ms Chew is also Executive Chairman of the Tecity Group and Executive Director of Tecity Asset Management Pte. Ltd.. She is Chairman of Malaysia Smelting Corporation Berhad and ARA Trust Management (Suntec) Limited, and sits on the Boards of ARA Asset Management Holdings Pte. Ltd. and Singapore Exchange Limited. She is also Deputy Chairman of the Tan Chin Tuan Foundation. She sits on the Board of Governors of S. Rajaratnam School of International Studies and NUS Board of Trustees.

Ms Chew graduated from the National University of Singapore in 1984. She was awarded the Chevalier de l’Ordre National du Mérite in 2010, the Singapore Businessman of the Year 2014 in 2015, and the Meritorious Service Medal at the National Day Awards in 2016.

Charis Liau

Executive Director & CEO

Charis has more than 20 years of banking and financial experience in the Asian markets with an international bank. Charis is instrumental in leading, driving and delivering on the Group’s business strategy and initiatives, overseeing the group’s funding, technology innovation and geographic expansion. 

She specialises in structured and asset finance, corporate lending and relationship management. Her understanding of how companies deliver on objectives and her strong knowledge of financial management has been invaluable to her numerous clients. Her banking experience is complemented with work on a range of fund-raising projects for SMEs prior to founding Minterest. 

 

Charis currently serves on the Alumni Advisory Board of Nanyang Business School, Nanyang Technological University, as well as on the Marketplace Lending sub-committee of the Singapore Fintech Association.

Charis holds a Fintech Certificate in Future Commerce from Massachusetts Institute of Technology, has a Bachelor’s Degree in Accountancy (First Class Honours) from Nanyang Technological University, Singapore and is a Chartered Financial Analyst (CFA) charter holder from the CFA Institute. 

Ronnie Chia

Executive Director & COO

Ronnie has over 30 years’ experience specialising in corporate and structured finance at international banks, and finance and taxation matters at a conglomerate and an accounting firm.

His experience on “both sides” puts him in a unique position to understand both borrower and investor objectives. A deep understanding of, and broad experience in, financing requirements allows Ronnie to analyse and deliver on the decision making process through a balanced risk-reward approach.

He started and led numerous global businesses at an international bank where he was responsible for business performance and managing loan standards and portfolios. Ronnie graduated from the University of Canterbury, New Zealand with a Bachelors of Commerce Degree.

Ng Beng Tiong

Non-Executive Director

Beng Tiong is Deputy Group CEO and Group COO of ARA Asset Management Limited. He oversees the performance of the Group’s business units globally, and is responsible for the integration of and coordination among the various divisions in the Group. Beng Tiong concurrently holds the position of Executive Chairman of APM Group, and oversees the property management and MICE management business. In addition, he has oversight of the Group Corporate Division which includes corporate services, technology, analytics, governance and sustainability.

Beng Tiong holds a Master of Engineering (Software Engineering) (First Class Honours) from Imperial College, London. He is a CFA charter holder and a member of the Singapore Institute of Directors.

Lim Cheng Teck

Non-Executive Director

Cheng Teck is an Independent Non-Executive Director at RHB Bank Bhd. He is on the Board of Directors at RHB Bank Bhd., Minterest Holdings Pte Ltd. and Special Needs Trust Co. Ltd.

Cheng Teck has over 30 years of international banking experience and has held various roles within Corporate and Institutional Banking. He has held the role of Chief Executive Officer in Singapore and more recently Chief Executive Officer, ASEAN for Standard Chartered Bank and Executive Vice Chairman of Standard Chartered Bank (China) Limited.

A Master of Business Administration graduate from Brunel University, United Kingdom, Cheng Teck read his first degree (Bachelor of Arts) at the National University of Singapore.

Yun Chee Keen

Non-Executive Director

Chee Keen is trained as an accountant and has spent early years of his career as an audit supervisor in KPMG Singapore, where he supported companies in diverse industries; and has held positions as group financial controller and chief financial officer at SGX-listing companies, including Nico Steel Holdings Limited, Natural Cool Holdings Limited and Epicentre Holdings Limited.

Chee Keen has more than 20 years of business experience serving in industries such as retail, construction, metallurgical solutions, audit and advisory. Chee Keen oversees the various functions of accounting, financial reporting, cost management accounting, foreign exchange management, credit control, tax, cash flow planning of RHT Holdings Group of companies.

Chee Keen graduated from the Nanyang Technological University with a Bachelor of Accountancy (Merit) in 1996 and started his career with KPMG Singapore.  He is also a fellow member of the Institute of Singapore Chartered Accountants (formerly known as Institute of Public Accountants of Singapore).

Jayaprakash Jagateesan

Non-Executive Director

Prakash is the Founding member of RHTLaw Asia and RHT Group of Companies. He has over 20 years of experience in managing professional services firm including top law firms in Singapore with regional and global focus. His responsibilities include the strategic alignment of business groups and their subsidiaries and the development of an eco-system of professional business services serving clients from diverse industries through every stage of their business life cycle. In addition, he also manages the growth, development, restructuring, diversification and regional expansion of businesses in the areas of corporate finance and advisory, governance, compliance, risk management, communications and public relations and fintech platforms covering digital assets exchanges, tokenization and blockchain.

Prakash is also a board director of a Singapore based carbon exchange, leading investment and fund-raising projects and managing investor relations. Prakash is instrumental in setting up a joint venture with a Gibraltar based blockchain company.

John Lim

Senior Advisor

Mr John Lim is Co-Founder & Deputy Chairman of ARA Asset Management Limited (ARA or the Group). He is a Non-Executive Director of ARA Asset Management (Fortune) Limited, ARA Trust Management (Suntec) Limited, ARA Asset Management (Prosperity) Limited and Hui Xian Asset Management Limited. Mr Lim is also Chairman and Non-Executive Director of Suntec Singapore International Convention & Exhibition Services Pte. Ltd and LOGOS Group, and Non-Executive Director of The Land Managers Development (S) Pte. Ltd. Singapore.

Mr Lim is Chairman of the Asia Pacific Real Assets Association (APREA), the Consultative Committee to the Department of Real Estate, National University of Singapore, and Lim Hoon Foundation. He is a Patron of Jurong Spring Citizens’ Consultative Committee and the Securities Investors Association of Singapore (SIAS) and a Council Member of Singapore Chinese Chamber of Commerce and Industry.

Prior to his role as Deputy Chairman of ARA, Mr Lim was Group CEO for 18 years, since co-founding it. Mr Lim has 40 years of experience in the real estate industry and has received many notable corporate awards. These include the PERE Global Awards 2020 and 2016 Industry Figure of the Year: Asia, Ernst & Young Entrepreneur Of the Year Singapore 2012 and the Outstanding CEO of the Year 2011 at the Singapore Business Awards 2012. Mr Lim, along with the Board of Directors of ARA, is also a recipient of the prestigious Best Managed Board (Gold) Award at the Singapore Corporate Awards 2012. In 2017, he was conferred the Public Service Medal (PBM) by the President of Singapore in recognition of his contributions to the community.

Mr Lim holds a Bachelor of Engineering (First Class Honours) in Mechanical Engineering, a Master of Science in Industrial Engineering, as well as a Diploma in Business Administration, each from the National University of Singapore.

Shaun Tan

Loan Executive

With 6 years of financial planning experience, Shaun has helped many individual and corporate clients achieve their goals. 

Shaun is passionate about life and adventure, and is a licensed divemaster who enjoys bringing the joy of the underwater world to others.