SDAX Financial

SDAX Financial (Formerly known as 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

Ronnie Chia

Executive Director & COO

Charis Liau

Executive Director & CEO

James Kwie

Non-Executive Director

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

Ronnie Chia

Executive Director & COO

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.

More About Minterest Money >

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.

More About SDAX >

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

Scroll to Top
Tan Chong Huat 

Non-Executive Director

Chong Huat is the Senior Partner and one of the founding members of RHTLaw Asia LLP, a leading full services legal practice with an Asia Pacific presence. He chairs RHT Group of Companies which is involved in sectors such as Fintech & Financial Services, Training, Learning & Development, Consulting & Advisory and Wealth & Asset Management.

He is a trusted go-to expert for regulatory issues, complex financing (corporate finance and project finance) transactions, deals structuring, funding and matching, corporate governance and board matters, and reputational management matters for corporate leaders and major corporates.

He has been named frequently a leading practitioner in many reputable professional publications, including IFLR1000 and Legal 500 Asia Pacific.
Chong Huat was at the forefront of the corporate governance evolution of Singapore and was a member of the Corporate Governance Council of the Monetary Authority of Singapore. He co-authored several books on corporate governance and taught the subject at various universities. Presently he is the deputy chair of the Disciplinary Committee and a member of the Listing Appeal Committee, Singapore Exchange Limited.

He is knowledgeable and passionate in blockchain, distributed ledger and related technologies, and cryptocurrencies having invested into 2 digital exchanges which apply the DLT technology. Notably he is also the Chairman of RHT Aldigi Holdings Pte Ltd, and a board member of Huobi, Singapore.


Chong Huat is one of the sustainability pioneers in Singapore. He was a director of World Wide Fund for Nature (Singapore) Limited. He also spearheaded RHT Rajan Menon Foundation’s sustainable development program and led the bridge construction and school improvement projects in Lombok, Indonesia and LongAn, Vietnam. He created Greening Asean Initiatives & Leadership (GAIL) which promotes sustainability education and advocacy in Asean, and recognises and awards corporates and individuals who have excelled in sustainability. He led RHT to invest into Air Carbon Exchange which focused on eliminating market friction in a carbon constrained economy via an exchange powered by blockchain technology. He currently chairs RHT Aldigi Holdings Pte Ltd which is involved in the financing of ESG digital assets.

Chong Huat holds a Bachelor of Laws (Hons) from National University of Singapore, Master of Laws from University of London, Certificate in Blockchain Strategy Programme from University of Oxford, and Certificate in Circular Economy and Sustainability Strategies from the University of Cambridge Judge Business School. He is also a fellow of the Singapore Institute of Directors.

Ronnie Chia

Executive Director & COO

Ronnie is the Group CEO of SDAX Financial Group and 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.

He co-founded Minterest in 2016 and conceived and developed the MintGrade algorithm using a few hundred data points that enabled Minterest to credit assess borrowers and issuers quickly and efficiently.

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.

Ronnie graduated from University of Canterbury, New Zealand with a Bachelor of Commerce Degree majoring in Accountancy and Business Administration.

Charis Liau

Executive Director & CEO

Charis is the co-founder and CEO of Minterest, with more than 20 years of banking and finance experience specialising in structured finance, relationship management and advisory to financial institutions, large and local corporates across Asia.

Charis is instrumental in driving the Group’s digital investment platform strategy and initiatives, overseeing its business, technology innovation and geographic expansion.

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 and is a regular speaker at events. In 2021, she was recognised amongst Singapore’s 100 Women in Tech by the Singapore Computer Society and Infocomm Media Development Authority and was awarded the top 12 Fintech Leader and Top 5 Women in Fintech awards by the Singapore Fintech Association in 2020.

Charis holds a Bachelor of Accountancy (First Class Honours) from Nanyang Technology University and is a CFA charter holder since 2004.

James Kwie

Non-Executive Director

James is the Vice President of Portfolio Management at The Straits Trading Company Limited since 2015. He is responsible for oversight of the portfolio companies’ performances, as well as the development of strategies to improve performance.

Prior to Straits Trading Company, he has held positions in Ascendas and Titan Capital, with responsibility for capital markets, transaction management and deals structuring.

James holds a Bachelor of Engineering (Electrical Engineering) (First Class Honours) from National University of Singapore. He is a CFA charter holder.

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 leadership roles managing multidisciplinary professional services. He has successfully led the building of and investments in various businesses, from new start-ups to growing market leaders and regulated entities. Prakash has driven fundraising and M&A efforts to fuel the growth of new businesses and led investors to successful exits.

As the co-founder and deputy chairman of SDAX Digital Asset Exchange, he was instrumental in its development and successfully secured a Recognised Market Operator licence from the Monetary Authority of Singapore. Prakash is also a board member of the Air Carbon Exchange.

Prakash graduated from the University of London with a Bachelor of Science, Economics He successfully completed a blockchain strategy programme with Said Business School, University of Oxford. He is a member of the Singapore Institute of Directors.

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.