Chocolate Finance Singapore
Singapore managed-account platform with an XSGD-settled Visa debit card

Chocolate Finance combines a managed investment account with a Visa debit card operated through separate group and regulated-partner roles. Its terms state that Chocolate Technologies operates the card programme, Xfers issues the card, and transactions are effected in XSGD. Chocfin holds a MAS capital-markets-services licence for fund management; the account is an investment product, not a bank deposit, and the profile does not recast that fund-management licence as a card or payment licence.