Consumer advisory -Aspire FT Pte Ltd("Aspire") is currently exempted from holding a licence under the Payment Services Act for the provision of Account Issuance Service,Domestic Money Transfer Service,and E-money Issuance Service for a specified period. This can be confirmed on the MAS website here. Aspire is not licensed,nor exempt to provide cross-border money transfer services,and consequently provides these services in conjunction with MAS licensed partners. All corporate cards are issued and powered by Nium Pte Ltd. Cardholders are advised to read the Nium Pte Ltd terms and conditions. All partner terms and conditions can be found in the Terms of Use here. Credit lines to businesses are issued by Aspire Financial Technologies Pte. Ltd,which is an exempted moneylender under the Moneylenders Act(Cap. 188) and received a certificate of exemption from the ministry of Law(No:02135) on November 2nd 2020.