Welcome to BTO. We're a Singapore-headquartered FinTech start-up revolutionising financial planning with a holistic life-planning solution that simplifies and demystifies the financial planning process. 

Our direct-to-consumer solution – Up – provides people with a do-it-yourself tool for exploring and understanding different financial choices and outcomes, allowing people to make better financial decisions. Interactive and highly visual, Up is easy and fun to use, allowing you to build a financial plan in just 15 minutes. 

Our white-label B2B solution has been deployed across multiple markets – including Singapore, the Philippines, the UAE and Switzerland – providing some of the world’s leading financial institutions with a collaborative tool that allows advisors to work together with clients on a plan to finance and protect their dreams.

In 2018, we won the 'Global FinTech Hackcelerator', which was organised by the Monetary Authority of Singapore (MAS). We also won the 'DIAmond Award – Most Innovative Start-up' at the most prestigious InsurTech event in the world, the DIA Conference 2018.