Peppermint Innovation Limited (ASX:PIL), founded in 2016 and headquartered in Perth, Australia, develops and commercializes the proprietary Peppermint Platform, a financial technology solution targeting mobile payments, eCommerce, delivery and logistics, and mobile financial services primarily in the Philippines with operations extending to Australia. The company offers core products including Bizmoto, a mobile payment system enabling bill payments, cash transfers, e-loading, QR code payments, and linked m-wallet services; BizmoTinda, an e-commerce platform accessible to agents, merchants, and consumers; BizmoGo, an on-demand curbside delivery and logistics service utilizing accredited riders; BizmoLoan, a non-bank micro-enterprise lending solution; BizmoProtect, a mobile app-based micro-insurance service; and white-label banking software solutions, alongside AI and customer experience (CX) services for application modernization. It serves unbanked and underbanked populations, micro-businesses, cooperatives, merchants, and financial institutions through its subsidiary Peppermint Bizmoto Inc. Recent developments include going live with InstaPay integration and merchant acquisition in August 2025 to enable direct peer-to-peer transfers up to $1,350; national expansion initiatives announced in October 2025 to accelerate Philippines rollout; acquisition of AI and CX expertise from XPON Technologies in December 2023 followed by $1.1 million capital raise in March 2024 for AI/CX and BizmoLoan growth; new technology contracts with MASS-SPECC and cooperatives worth $53,000 in 2024-2025; multiple AI/CX contracts secured from early 2024; and strategic partnerships such as with MASS-SPECC in 2023 and go-live implementations like MASS-SPECC Tagum Cooperative in September 2024.