Ovanti Ltd (ASX:OVT) provides fintech and digital commerce software solutions and services that enable institutional customers including banks, insurers, telcos and corporates to securely authenticate end-users and process banking, purchase and payment transactions; its core offerings encompass FlotE, a buy-now-pay-later (BNPL) platform utilizing real-time cash-flow decisioning to serve debit and cash users excluded by traditional credit models with FICO-free approvals, next-day merchant settlements and seamless integrations via PSP, API or plug-in; iSentric, an AI-driven omnichannel customer engagement solution featuring hyper-targeted segmentation, automated delivery optimization and scalability to millions across channels for product announcements and alerts; and legacy mobility solutions such as Mobility2U for SMS and email marketing, Bulk API for system integrations with routing and audit trails, Managed Service Blasting for automated content sharing, 2-Way SMS for interactive campaigns and Mobile Backend as a Service for app data integration and development. The company operates primarily in Southeast Asia with established presence serving 20 leading banks, insurers and telcos in Malaysia alongside corporates in Indonesia, while expanding its BNPL operations into the United States to target underserved consumers and merchants. Founded in 2000 and headquartered in Double Bay, Australia, Ovanti Ltd changed its name from IOUpay Limited in January 2024 to reflect its broadened digital commerce focus; recent developments include a $8 million capital raise in October 2025 via placement of over 1.2 billion shares at $0.0065 each to fund U.S. BNPL strategic partnerships, merchant agreements and working capital, comprising Tranche 1 to unrelated investors and Tranche 2 to a related party fund controlled by Executive Chairman Daler Fayziev; appointment of Simon Keast as CEO in October 2024 and Peter Maher to lead U.S. BNPL expansion; a 20-year licensing deal with BNPLPay Protocol for low-cost blockchain-based debt funding; hiring of three senior U.S. executives; plans for U.S. NASDAQ listing; and termination of a CIMB omnichannel agreement in January 2025 to sharpen focus on BNPL growth.