MANILA, Philippines, Oct. 12, 2026 /PRNewswire/ -- Tonik Digital Bank, Inc. ("Tonik") today launched mobile load, telco promo bundles and mobile game credits inside the Tonik app, extending the bank's relationship with its customers from occasional banking moments into daily ones.
Customers can buy load and promos for themselves or for anyone else simply by entering a mobile number. The load or promo is credited straight to that number, with no separate voucher to redeem. Game credits are delivered by SMS to the number entered at purchase.
These are deliberately small transactions, and that is the point. A customer opens a banking app a handful of times a month, usually around payday, a loan payment or a transfer. Load top-ups and game credits happen far more often. Bringing them inside the bank gives customers a reason to come back weekly rather than monthly, and removes the need to move between separate apps to handle everyday needs.
"Most people open their banking app because they have to. We want ours opened because it's useful."
Greg Krasnov, Founder and CEO, Tonik
"Our luvs already trust us with their savings and their loans," Krasnov added. "Load and game credits are small purchases, but they happen every week. Every one of them is another reason to stay with us instead of bouncing between five different apps to get simple things done. That is how an account turns into a relationship."
Customers can purchase mobile load for major telco providers including Globe, Smart, TNT, TM, Dito, and GOMO, with access to a wide range of promo bundles covering data, calls, and SMS. Beyond mobile connectivity, Tonik also enables customers to purchase game credits for popular titles such as Mobile Legends, Roblox, Rio Games, Genshin Impact, and PUBG Mobile. The service is designed with flexibility in mind — customers can send load or game credits to any mobile number, not just their own. Mobile loads and promo bundles are credited instantly to the recipient's number, while game credits are delivered via SMS, all with zero additional fees.
The credits available through the Tonik app cover mobile and PC gaming platforms. Tonik does not offer credits, PINs or vouchers for online gambling, e-casino or e-sabong products.
The expansion supports Tonik's lending-led strategy rather than replacing it. Lending remains the core of the business. Savings, payments and everyday services widen the relationship around that core, which is what drives engagement and retention over the life of a customer.
Tonik reached cash flow breakeven in the first quarter of 2026.
About Tonik Bank
Tonik Bank, Inc. is a digital bank in the Philippines, licensed and regulated by the Bangko Sentral ng Pilipinas. It builds long-term financial relationships with customers through lending, savings, payments and other digital financial services, supported by a fully digital customer experience and a cloud-native technology platform. Tonik reached consolidated positive cash net income (after all costs including cost of risk) in Q1 2026, becoming the first standalone digital bank in the country to do so—and one of the fastest non-ecosystem neobanks globally to reach this point.
www.tonikbank.com
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Tonik brings everyday spending into the bank with mobile load, telco promos and game credits
Establishing a Strategic Foothold in North America, the World's Largest Beauty Market, to Accelerate Expansion Across Global Brands, Manufacturers, and Retailers
FORT LEE, N.J. and SEOUL, South Korea, Oct. 12, 2026 /PRNewswire/ -- VUSSENS Inc., a global beauty AI analytics company and a wholly owned subsidiary of NEWEN AI, a specialist in industry-specific AI analytics solutions, has established its North American operations in New Jersey and officially launched VUSSENS, its ontology-based AI beauty analytics platform.
New Jersey, where the North American subsidiary is based, is strategically located adjacent to New York, a major global hub for international business and consumer goods distribution, offering strong infrastructure and accessibility. VUSSENS plans to further strengthen its localization strategy in the North American market by actively leveraging its local partnership network, including connections with New York University (NYU) Stern and the Global AI Frontier Lab based in New York.
The VUSSENS platform, officially unveiled alongside the establishment of the North American subsidiary, is a beauty-specialized, ontology-based AI platform that integrates and analyzes cross-channel data from social media and e-commerce platforms in the U.S. market. Powered by a language model trained on more than 800 billion tokens and a multimodal AI engine capable of simultaneously analyzing video, audio, and subtitles across short-form content platforms such as YouTube and TikTok, VUSSENS enables highly granular persona analysis based on race, age, skin type, and consumer values. Going beyond simple measurements of keyword mentions, the platform structurally maps complex relationships such as trends and sales, ingredients and efficacy, and consumer responses and products, providing actionable market insights for businesses in the local market.
The platform integrates four core solutions, Marketing, Trend, Product, and Category, to support practical business decision-making. The Marketing Solution tracks the entire journey from product seeding and content engagement to reviews and purchase-conversion signals, while the Trend Solution captures diverse consumer responses in real time across ingredients, efficacy, formulations, colors, memes, and other dimensions. In addition, the Product Solution supports customized strategy development through AI-powered SWOT analysis and target-consumer analysis, while the Category Solution provides an overview of market movements and category-level opportunities. The platform also features K-Beauty trend analysis, which is gaining attention as a key benchmark in the global beauty market, further strengthening VUSSENS' competitive edge.
VUSSENS plans to pursue an aggressive sales strategy targeting the entire beauty value chain in North America. Its target customers include beauty brands seeking trend intelligence and marketing performance measurement, OEM and ODM manufacturers looking to optimize new product development and ingredient R&D, major retailers seeking to identify promising brands at an early stage, and agencies requiring sophisticated, data-driven insights for strategic proposals and solutions.
VUSSENS has also outlined a concrete roadmap for business expansion. Starting with its New Jersey subsidiary, the company plans to secure its initial customer base and gradually expand its sales hubs across key regions in the U.S., including the West Coast, South, and Midwest, ultimately building a sales network spanning North America. Building on its success in the North American market, VUSSENS plans to gradually expand its services into other major global beauty markets, including Japan, Europe, Southeast Asia, and the Middle East, with the goal of establishing itself as a global beauty data hub.
*NEWEN AI(KOSDAQ, 463020)
About VUSSENS
VUSSENS is an AI-powered global beauty analytics platform that integrates and analyzes global e-commerce and social media data to identify beauty market trends, consumer demand, and changes across products and categories. By integrating major commerce and social data sources, VUSSENS delivers actionable insights across the entire beauty intelligence ecosystem, from Trends → Categories → Products → Marketing. One of VUSSENS' key strengths lies in its ability to connect data across otherwise fragmented channels, enabling businesses to identify emerging beauty trends and early consumer interest signals, while uncovering high-growth categories and product opportunities.
For more information about VUSSENS, please visit the official website: https://vussens.ai
Product Inquiryinfo@vussens.ai
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VUSSENS Establishes U.S. Headquarters in New Jersey and Launches AI-Powered Global Beauty Analytics Platform
