Peppermint Innovation Raises Capital to Accelerate Digital Payments Expansion in the Philippines
Source: Kapitales Research
Highlights:
Peppermint Innovation has secured AU$500,000 in new funding via an equity placement with sophisticated and professional investors.
Proceeds will support the rollout of the bizmoto digital wallet and payments platform across the Philippine cooperative sector.
The company is targeting increased transaction activity and recurring revenue by scaling adoption within large cooperative networks.
Capital Raise Supports Platform Expansion
Peppermint Innovation Ltd (ASX: PIL) has secured AU$500,000 in fresh capital following a placement completed with select sophisticated and professional investors. The funds were raised through the issue of approximately 142.9 million fully paid ordinary shares at an issue price of AU$0.0035 per share, representing a discount to recent trading averages.
The placement also included free attaching options issued on a one-for-two basis, with each option carrying an exercise price of AU$0.0055 and a term of thirty six months. The capital raising was managed by CPS Capital Group and provides Peppermint with additional financial capacity to execute its near-term growth strategy.
Focus on Philippine Cooperative Market
Funds raised will be directed toward scaling Peppermint’s licensed bizmoto digital wallet and payments platform across the Philippine cooperative sector. This market represents approximately 13.6 million cooperative members nationwide, offering a substantial addressable user base for digital financial services.
The company plans to initially prioritise adoption within the MASS-SPECC cooperative network, which comprises around 3.4 million members. Once traction is further established within this network, Peppermint intends to expand more broadly across the cooperative ecosystem through partnerships and cooperative-led onboarding initiatives.
Driving Transaction Growth and Recurring Revenue
Proceeds from the placement will be used to accelerate platform deployment and enhance core transaction functionality. This includes expanding services such as cash-in features, bill payments, and QR-based merchant transactions. Management’s strategy is centred on increasing transaction frequency per user, deepening engagement, and building predictable recurring revenue streams over time.
Peppermint operates a fully licensed and regulated digital wallet and payments platform overseen by the Bangko Sentral ng Pilipinas. The platform’s integration with national payment infrastructure supports scalability and positions the company to benefit from the continued shift toward digital payments in the Philippines.
Strategic Partnerships and Regulatory Advantage
In addition to platform expansion, the company is pursuing targeted corporate partnerships designed to increase utilisation of the bizmoto wallet and enable the delivery of payment gateway services. Management believes Peppermint’s regulatory framework and licensing position provide a competitive advantage as digital adoption accelerates across the region.
The capital injection is expected to support these partnership initiatives while maintaining momentum in platform adoption and transaction growth.
Outlook
With additional funding secured, Peppermint Innovation is positioned to advance its digital payments strategy in one of Southeast Asia’s fastest-growing financial inclusion markets. Investor focus is likely to remain on user adoption metrics, transaction growth, and the company’s ability to translate platform scale into sustainable revenue as it continues to execute against its long-term objectives.
Disclaimer for Kapitales Research
The materials provided by Kapitales Research, including articles, news, data, reports, opinions, images, charts, and videos ("Content"), are intended for personal, non-commercial use only. The primary goal of this Content is to educate and inform readers. This Content is not meant to offer financial advice, nor does it include any recommendation or opinion that should be relied upon for making financial decisions. Certain Content on this platform may be sponsored or unsponsored, but it does not serve as a solicitation or endorsement to buy, sell, or hold any securities, nor does it encourage any specific investment activities. Kapitales Research is not authorized to provide investment advice, and we strongly advise users to seek guidance from a qualified financial professional, such as a financial advisor or stockbroker, before making any investment choices. Kapitales Research disclaims all liability for any direct, indirect, incidental, or consequential damages arising from the use of the Content, which is provided without any warranties. The opinions expressed by contributors or guests are their own and do not necessarily reflect the views of Kapitales Research. Media such as images or music used on this platform are either owned by Kapitales Research, sourced through paid subscriptions, or believed to be in the public domain. We have made reasonable efforts to credit sources where appropriate. Kapitales Research does not claim ownership of any third-party media unless explicitly stated otherwise.
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Peppermint Innovation Raises Capital to Accelerate Digital Payments Expansion in the Philippines
Highlights:
Capital Raise Supports Platform Expansion
Peppermint Innovation Ltd (ASX: PIL) has secured AU$500,000 in fresh capital following a placement completed with select sophisticated and professional investors. The funds were raised through the issue of approximately 142.9 million fully paid ordinary shares at an issue price of AU$0.0035 per share, representing a discount to recent trading averages.
The placement also included free attaching options issued on a one-for-two basis, with each option carrying an exercise price of AU$0.0055 and a term of thirty six months. The capital raising was managed by CPS Capital Group and provides Peppermint with additional financial capacity to execute its near-term growth strategy.
Focus on Philippine Cooperative Market
Funds raised will be directed toward scaling Peppermint’s licensed bizmoto digital wallet and payments platform across the Philippine cooperative sector. This market represents approximately 13.6 million cooperative members nationwide, offering a substantial addressable user base for digital financial services.
The company plans to initially prioritise adoption within the MASS-SPECC cooperative network, which comprises around 3.4 million members. Once traction is further established within this network, Peppermint intends to expand more broadly across the cooperative ecosystem through partnerships and cooperative-led onboarding initiatives.
Driving Transaction Growth and Recurring Revenue
Proceeds from the placement will be used to accelerate platform deployment and enhance core transaction functionality. This includes expanding services such as cash-in features, bill payments, and QR-based merchant transactions. Management’s strategy is centred on increasing transaction frequency per user, deepening engagement, and building predictable recurring revenue streams over time.
Peppermint operates a fully licensed and regulated digital wallet and payments platform overseen by the Bangko Sentral ng Pilipinas. The platform’s integration with national payment infrastructure supports scalability and positions the company to benefit from the continued shift toward digital payments in the Philippines.
Strategic Partnerships and Regulatory Advantage
In addition to platform expansion, the company is pursuing targeted corporate partnerships designed to increase utilisation of the bizmoto wallet and enable the delivery of payment gateway services. Management believes Peppermint’s regulatory framework and licensing position provide a competitive advantage as digital adoption accelerates across the region.
The capital injection is expected to support these partnership initiatives while maintaining momentum in platform adoption and transaction growth.
Outlook
With additional funding secured, Peppermint Innovation is positioned to advance its digital payments strategy in one of Southeast Asia’s fastest-growing financial inclusion markets. Investor focus is likely to remain on user adoption metrics, transaction growth, and the company’s ability to translate platform scale into sustainable revenue as it continues to execute against its long-term objectives.
Disclaimer for Kapitales Research
The materials provided by Kapitales Research, including articles, news, data, reports, opinions, images, charts, and videos ("Content"), are intended for personal, non-commercial use only. The primary goal of this Content is to educate and inform readers. This Content is not meant to offer financial advice, nor does it include any recommendation or opinion that should be relied upon for making financial decisions. Certain Content on this platform may be sponsored or unsponsored, but it does not serve as a solicitation or endorsement to buy, sell, or hold any securities, nor does it encourage any specific investment activities. Kapitales Research is not authorized to provide investment advice, and we strongly advise users to seek guidance from a qualified financial professional, such as a financial advisor or stockbroker, before making any investment choices. Kapitales Research disclaims all liability for any direct, indirect, incidental, or consequential damages arising from the use of the Content, which is provided without any warranties. The opinions expressed by contributors or guests are their own and do not necessarily reflect the views of Kapitales Research. Media such as images or music used on this platform are either owned by Kapitales Research, sourced through paid subscriptions, or believed to be in the public domain. We have made reasonable efforts to credit sources where appropriate. Kapitales Research does not claim ownership of any third-party media unless explicitly stated otherwise.
Customer Notice:
Nextgen Global Services Pty Ltd trading as Kapitales Research (ABN 89 652 632 561) is a Corporate Authorised Representative (CAR No. 1293674) of Enva Australia Pty Ltd (AFSL 424494). The information contained in this website is general information only. Any advice is general advice only. No consideration has been given or will be given to the individual investment objectives, financial situation or needs of any particular person. The decision to invest or trade and the method selected is a personal decision and involves an inherent level of risk, and you must undertake your own investigations and obtain your own advice regarding the suitability of this product for your circumstances. Please be aware that all trading activity is subject to both profit & loss and may not be suitable for you. The past performance of this product is not and should not be taken as an indication of future performance.
Kapitales Research, Level 13, Suite 1A, 465 Victoria Ave, Chatswood, NSW 2067, Australia | 1800 005 780 | info@kapitales.com.au