ABOUT LEMFT

Linking Every Market with Financial Technology

The name LEMFT stands for Linking Every Market with Financial Technology — a reflection of our core vision: to eliminate geographical boundaries and financial barriers across markets through innovative fintech solutions. We are committed to building seamless, secure, and efficient cross-border payment infrastructures that connect businesses to the global financial system.
Established in 2022, LEMFT is the international brand of KFTPAY Payment Co., Ltd., a licensed payment institution based in Shenzhen, China. Following three years of strategic preparation, LEMFT.COM officially launched in 2025, dedicated to building a global ecosystem for cross-border payments.
By forming strong partnerships with international financial institutions and banking partners, LEMFT continues to expand its product suite to offer comprehensive, efficient, and compliant cross-border payment solutions tailored to the evolving needs of global businesses.

GLOBAL REGULATORY LICENSES

LEMFT holds multiple international financial licenses, including: HK MSO, Lithuanian VASP, Canada MSB, US MSB, with Singapore MPI in application. As the overseas arm of a licensed Chinese payment institution, LEMFT is built on a foundation of full regulatory compliance, delivering trustworthy and secure financial services to businesses worldwide.

Hong Kong MSO

Money Service Operator License issued by Hong Kong Customs and Excise

Lithuania VASP

Virtual Asset Service Provider License from the Bank of Lithuania

Canada MSB

Money Services Business License issued by FINTRAC

U.S. MSB

Money Services Business Registration with FinCEN, U.S. Department of the Treasury

TOTAL CROSS-BORDER PAYMENT SOLUTIONS

LEMFT offers a full-suite cross-border payment infrastructure, covering three core product lines to meet diverse enterprise needs:

Corporate Virtual Cards

Multi-currency (USD, HKD, EUR, etc.) virtual cards with over 100 international BINs. Enjoy 1% cashback, zero card issuance fee, and zero top-up fee. Ideal for digital advertising, service subscriptions, and cross-border e-commerce.

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Global Collection

Receive local payments in 32 currencies across 16 countries and regions. Designed for cross-border merchants, E-commerce buisnesses, and digital service providers.

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Global Payouts

Make payments to businesses and individuals across Asia, Europe, North America, the Middle East, and Africa. Make payment to suppliers, affiliates and employees with peace of mind.

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SOLID BACKING

LEMFT is backed by KFTPAY Payment Co., Ltd., established in 2009 as one of the first licensed third-party payment providers in China.
In May 2011, KFTPAY was granted a national Internet payment license from the People’s Bank of China.
In December 2011, the company also secured the qualification to issue and accept prepaid cards in Guangdong Province.
With strong alliances with commercial banks and a robust risk control system, KFTPAY has built a trusted electronic payment platform that serves China’s e-commerce, public service, and small business sectors.

MILESTONES

2009

Establishment of KFTPAY

KFTPAY founded in Shenzhen, China

2011

Licensed by PBOC

In May: KFTPAY became one of the first to be granted the 3rd party payment license by the People’s Bank of China for nationwide online payment services.

In December: Prepaid card issuance qualification granted by Guangdong provincial government.

2022

LEMFT Founded

LEMFT was established as KFTPAY’s international brand, initiating the expansion for global coverage.

2023

Global License Acquisition

Acquired key international licenses, including: HK MSO, LT VASP, CA MSB, US MSB.

2024

Global Offices Setup

Established offices in Malaysia, Canada, and the U.S. to support global expansion.

2025

LEMFT Launched

LEMFT.COM was officially launched this year, offering three core product lines including corporate virtual cards, global collection and payout services.

GLOBAL PRESENCE

To serve clients more effectively, LEMFT has set up strategically located offices in Asia and North America, combining localized support with global service capabilities.

Kuala Lumpur, Malaysia

Southeast Asia Regional HQ, Responsible for regional expansion and partnership management. A dedicated local service team provides efficient payment solutions for Southeast Asian businesses.

Toronto, Canada

North America R&D Center， Focused on payment innovation and cybersecurity research. Our global team of engineers drives continuous product evolution.

New York, USA

North America Business Development Center， Specializes in cross-border e-commerce and digital marketing partnerships. Provides comprehensive payment and collection services for U.S. businesses expanding globally.

CERTIFICATIONS & LICENSES

People’s Republic of China Payment Business License

License No.: Z2001344000012

Information Security Management System Certification

GB/T 22080-2016 / ISO/IEC 27001:2013