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MANILA, Philippines, March 25, 2025 /PRNewswire/ -- The Philippines' credit-led digital bank Tonik has partnered with Robinsons Appliances, one of the country's top three market leaders in consumer durables retail, to expand its Shop Installment Loan offering.
This collaboration is a major addition to the bank's robust network of over 2,500 stores nationwide, enhancing its position and impact as the only digital bank with a significant focus on Shop Installment Loans.
Robinsons Appliances, known for its wide selection of high-quality home and lifestyle products, has built a strong reputation for reliability and value for money, making it an ideal partner in Tonik's mission to provide accessible financing solutions to more Filipinos.
The Shop Installment Loan features a fully digital application process, minimal requirements, and fast approvals, allowing more consumers to access financing for essential home appliances. The loan is seamlessly integrated into the Tonik App, ensuring a straightforward and secure borrowing experience.
"At Tonik, we believe in breaking barriers to financial access," said Greg Krasnov, Founder and President of Tonik. "Our partnership with Robinsons Appliances enables more Filipinos to access regulated credit with convenience, giving them the financial flexibility they need to improve their everyday lives."
More than 80% of Tonik's Shop Installment Loan customers are new to credit, marking the product as their inclusion into the formal financial system and offering a safe alternative to informal lending options.
Supporting Growth in Digital Lending
Tonik is currently the only digital bank in the Philippines to achieve positive unit profitability across three credit inclusion product groups, demonstrating its ability to scale lending sustainably. The bank's loan portfolio grew at a 119%1 in 2H 2024, making it the fastest-growing digital bank in organic lending.
It also leads key financial metrics, holding #1 rankings in Average Revenue Per User (ARPU), Net Interest Margin (NIM), and Loan-to-Deposit Ratio (LDR). Additionally, Tonik maintains a 5-10x higher ARPU compared to payment-led digital banks, reinforcing its lending-first approach as a primary driver of growth.
This positions the bank's products as both a powerful tool for financial inclusion and a sustainable, scalable model in the rapidly growing digital lending market.
"We believe that Shop Installment Loans serve as an important first step for many Filipinos new to formal credit," said Addi Valdezco, Head of Retail Partnerships at Tonik. "Through our partnership with Robinsons Appliances, we're making this financing option more accessible, helping more consumers start and build their credit history with a trusted digital bank."
"Partnering with Tonik allows us to offer customers payment flexibility in purchasing essential appliances," added Donna San Luis, Marketing Manager of Robinsons Appliances. "With Tonik's financing solutions, more consumers can avail of needed appliances and gadgets at easy to own installment options."
With a nationwide presence and a commitment to providing top-tier appliances at competitive prices, Robinsons Appliances continues to be a go-to destination for Filipino households.
Its extensive store network and trusted service make it a valuable partner in bringing seamless financing solutions to more consumers, ensuring they have access to the best home and lifestyle appliances and gadgets with greater financial ease.
Launched initially in select Robinsons Appliances stores in Q4 2024, the partnership is set to expand to more locations nationwide in the months ahead.
1 Compound Annual Growth Rate |
About Tonik
Tonik is the first digital-only neobank in the Philippines, providing loan, deposit, and payment products to consumers on a highly secure digital banking platform. The neobank operates based on the first digital bank license issued by the Bangko Sentral ng Pilipinas (BSP).
Tonik is led by a team of retail finance veterans who have previously built and scaled multiple retail banks and fintechs across global emerging markets. It is backed by top international investors, including Sequoia India, Point72 Ventures, and Mizuho Bank. Tonik's tech stack is integrated in partnership with world-class banktech vendors including Mastercard, Finastra, Amazon Web Services, Google, Genesys and Daon. Tonik operates out of hubs in Singapore (HQ), Manila, and Chennai.
For media contact:
Nix Policarpio
pr@tonikbank.com
MANILA, Philippines, March 25, 2025 /PRNewswire/ -- The Philippines' credit-led digital bank Tonik has partnered with Robinsons Appliances, one of the country's top three market leaders in consumer durables retail, to expand its Shop Installment Loan offering.
This collaboration is a major addition to the bank's robust network of over 2,500 stores nationwide, enhancing its position and impact as the only digital bank with a significant focus on Shop Installment Loans.
Robinsons Appliances, known for its wide selection of high-quality home and lifestyle products, has built a strong reputation for reliability and value for money, making it an ideal partner in Tonik's mission to provide accessible financing solutions to more Filipinos.
The Shop Installment Loan features a fully digital application process, minimal requirements, and fast approvals, allowing more consumers to access financing for essential home appliances. The loan is seamlessly integrated into the Tonik App, ensuring a straightforward and secure borrowing experience.
"At Tonik, we believe in breaking barriers to financial access," said Greg Krasnov, Founder and President of Tonik. "Our partnership with Robinsons Appliances enables more Filipinos to access regulated credit with convenience, giving them the financial flexibility they need to improve their everyday lives."
More than 80% of Tonik's Shop Installment Loan customers are new to credit, marking the product as their inclusion into the formal financial system and offering a safe alternative to informal lending options.
Supporting Growth in Digital Lending
Tonik is currently the only digital bank in the Philippines to achieve positive unit profitability across three credit inclusion product groups, demonstrating its ability to scale lending sustainably. The bank's loan portfolio grew at a 119%1 in 2H 2024, making it the fastest-growing digital bank in organic lending.
It also leads key financial metrics, holding #1 rankings in Average Revenue Per User (ARPU), Net Interest Margin (NIM), and Loan-to-Deposit Ratio (LDR). Additionally, Tonik maintains a 5-10x higher ARPU compared to payment-led digital banks, reinforcing its lending-first approach as a primary driver of growth.
This positions the bank's products as both a powerful tool for financial inclusion and a sustainable, scalable model in the rapidly growing digital lending market.
"We believe that Shop Installment Loans serve as an important first step for many Filipinos new to formal credit," said Addi Valdezco, Head of Retail Partnerships at Tonik. "Through our partnership with Robinsons Appliances, we're making this financing option more accessible, helping more consumers start and build their credit history with a trusted digital bank."
"Partnering with Tonik allows us to offer customers payment flexibility in purchasing essential appliances," added Donna San Luis, Marketing Manager of Robinsons Appliances. "With Tonik's financing solutions, more consumers can avail of needed appliances and gadgets at easy to own installment options."
With a nationwide presence and a commitment to providing top-tier appliances at competitive prices, Robinsons Appliances continues to be a go-to destination for Filipino households.
Its extensive store network and trusted service make it a valuable partner in bringing seamless financing solutions to more consumers, ensuring they have access to the best home and lifestyle appliances and gadgets with greater financial ease.
Launched initially in select Robinsons Appliances stores in Q4 2024, the partnership is set to expand to more locations nationwide in the months ahead.
1 Compound Annual Growth Rate
About Tonik
Tonik is the first digital-only neobank in the Philippines, providing loan, deposit, and payment products to consumers on a highly secure digital banking platform. The neobank operates based on the first digital bank license issued by the Bangko Sentral ng Pilipinas (BSP).
Tonik is led by a team of retail finance veterans who have previously built and scaled multiple retail banks and fintechs across global emerging markets. It is backed by top international investors, including Sequoia India, Point72 Ventures, and Mizuho Bank. Tonik's tech stack is integrated in partnership with world-class banktech vendors including Mastercard, Finastra, Amazon Web Services, Google, Genesys and Daon. Tonik operates out of hubs in Singapore (HQ), Manila, and Chennai.
For media contact:
Nix Policarpio
pr@tonikbank.com
** The press release content is from PR Newswire. Bastille Post is not involved in its creation. **
Tonik partners with Robinsons Appliances for Accessible Financing
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KCS Records Counter-Cyclical Gains as KuCoin Leads the Industry in Spot Market Share Growth
PROVIDENCIALES, Turks and Caicos Islands, Jan. 16, 2026 /PRNewswire/ -- KuCoin, a leading global cryptocurrency platform built on trust, has been recognized as one of the top three exchanges by annual market share growth in TokenInsight's newly released 2025 Cryptocurrency Exchange Annual Report.
The report highlights KuCoin's strong performance across multiple core indicators, underscoring its ability to deliver resilient growth amid an increasingly competitive and volatile market environment.
Market Share Growth Ranks Top Three Industry-Wide
According to TokenInsight's analysis of major centralized exchanges (CEXs), KuCoin's average market share achieved significant year-on-year growth in 2025, positioning the platform among the top three exchanges globally in terms of annual market share growth. As competition intensified and market concentration among leading platforms continued to fluctuate, KuCoin stood out as one of the few exchanges to achieve sustained positive growth, reflecting the long-term strength of its product structure, asset offerings, and global user base.
KCS Delivers Counter-Cyclical Performance, Ranking Top Three by Annual Price Growth
While many exchange tokens faced downward pressure throughout 2025, KuCoin's native token, KCS, delivered a counter-cyclical performance, ranking among the top three exchange tokens by annual price appreciation, trailing only OKB and BNB. TokenInsight's data shows that KCS maintained relatively stable performance over the year and was among the limited number of platform tokens to achieve positive annual returns, highlighting continued market confidence in KuCoin's ecosystem, strategic direction, and underlying fundamentals.
KuCoin Leads the Industry in Spot Market Share Growth
KuCoin's momentum was particularly evident in the spot market. TokenInsight data indicates that between January and December 2025, KuCoin recorded a net increase of 5.83% in spot market share, ranking first among all major centralized exchanges. This growth was driven by KuCoin's ongoing investment in spot asset availability, liquidity optimization, and global market coverage, further strengthening its position within the global spot trading landscape.
Building Long-Term Value Through Disciplined Growth
TokenInsight noted that 2025 marked a period of accelerated differentiation within the exchange sector, with market share dynamics and exchange token performance increasingly reflecting platforms' long-term operational capabilities and user trust.
KuCoin's strong showing across multiple key indicators demonstrates the effectiveness of its long-term, disciplined approach to platform development amid cyclical market fluctuations.
KuCoin stated that it will continue to prioritize security, compliance, and user experience, advancing the sustainable growth of its ecosystem and delivering stable and high-quality digital asset services to users worldwide.
About KuCoin
Founded in 2017, KuCoin is a leading global crypto platform trusted by over 40 million users across 200+ countries and regions. The platform delivers innovative and compliant digital-asset services, offering access to 1,000+ listed tokens, spot and futures trading, institutional wealth management, and a Web3 wallet.
Recognized by Forbes and Hurun, KuCoin holds SOC 2 Type II and ISO 27001:2022 certifications, underscoring its commitment to top-tier security. With AUSTRAC registration in Australia and a MiCA license in Austria, KuCoin continues expanding its regulated footprint under CEO BC Wong, building a reliable and trusted digital-asset ecosystem.
Learn more: www.kucoin.com
KCS Records Counter-Cyclical Gains as KuCoin Leads the Industry in Spot Market Share Growth
PROVIDENCIALES, Turks and Caicos Islands, Jan. 16, 2026 /PRNewswire/ -- KuCoin, a leading global cryptocurrency platform built on trust, has been recognized as one of the top three exchanges by annual market share growth in TokenInsight's newly released 2025 Cryptocurrency Exchange Annual Report.
The report highlights KuCoin's strong performance across multiple core indicators, underscoring its ability to deliver resilient growth amid an increasingly competitive and volatile market environment.
Market Share Growth Ranks Top Three Industry-Wide
According to TokenInsight's analysis of major centralized exchanges (CEXs), KuCoin's average market share achieved significant year-on-year growth in 2025, positioning the platform among the top three exchanges globally in terms of annual market share growth. As competition intensified and market concentration among leading platforms continued to fluctuate, KuCoin stood out as one of the few exchanges to achieve sustained positive growth, reflecting the long-term strength of its product structure, asset offerings, and global user base.
KCS Delivers Counter-Cyclical Performance, Ranking Top Three by Annual Price Growth
While many exchange tokens faced downward pressure throughout 2025, KuCoin's native token, KCS, delivered a counter-cyclical performance, ranking among the top three exchange tokens by annual price appreciation, trailing only OKB and BNB. TokenInsight's data shows that KCS maintained relatively stable performance over the year and was among the limited number of platform tokens to achieve positive annual returns, highlighting continued market confidence in KuCoin's ecosystem, strategic direction, and underlying fundamentals.
KuCoin Leads the Industry in Spot Market Share Growth
KuCoin's momentum was particularly evident in the spot market. TokenInsight data indicates that between January and December 2025, KuCoin recorded a net increase of 5.83% in spot market share, ranking first among all major centralized exchanges. This growth was driven by KuCoin's ongoing investment in spot asset availability, liquidity optimization, and global market coverage, further strengthening its position within the global spot trading landscape.
Building Long-Term Value Through Disciplined Growth
TokenInsight noted that 2025 marked a period of accelerated differentiation within the exchange sector, with market share dynamics and exchange token performance increasingly reflecting platforms' long-term operational capabilities and user trust.
KuCoin's strong showing across multiple key indicators demonstrates the effectiveness of its long-term, disciplined approach to platform development amid cyclical market fluctuations.
KuCoin stated that it will continue to prioritize security, compliance, and user experience, advancing the sustainable growth of its ecosystem and delivering stable and high-quality digital asset services to users worldwide.
About KuCoin
Founded in 2017, KuCoin is a leading global crypto platform trusted by over 40 million users across 200+ countries and regions. The platform delivers innovative and compliant digital-asset services, offering access to 1,000+ listed tokens, spot and futures trading, institutional wealth management, and a Web3 wallet.
Recognized by Forbes and Hurun, KuCoin holds SOC 2 Type II and ISO 27001:2022 certifications, underscoring its commitment to top-tier security. With AUSTRAC registration in Australia and a MiCA license in Austria, KuCoin continues expanding its regulated footprint under CEO BC Wong, building a reliable and trusted digital-asset ecosystem.
Learn more: www.kucoin.com
** The press release content is from PR Newswire. Bastille Post is not involved in its creation. **
KuCoin Ranks Among Top Three Exchanges by Market Share Growth in TokenInsight's 2025 Annual Report
