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Superatom is a financial technology company. It is the parent company for UangMe, a peer-to-peer lending platform. The company was established in 2018 by Scarlett Xiao and Johnny Li. It is based in Jakarta, Indonesia.
Superatom provides loans through its Android-based mobile application platform, UangMe. Loans are provided only for Indonesian citizens with a valid ID card and are aged above 21 years old. It is also necessary for the users to have a valid local bank account and active Indonesian phone number. Registered users who have satisfied these requirements can receive a loan principal up to IDR 4,000,000 (roughly equivalent to $285). The interest is calculated daily, plus a service fee charged daily. The maximum length for a loan period is 120 days, with installment-based repayments done each 30 days. No collaterals are needed to qualify for the loans, and UangMe provides loan approvals within a few hours.
In addition to being funded by CheetahMobile, a Chinese software and mobile application company, Superatom has received $24 million as a venture round funding from Gobi Partners in September 2019.
