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At Circle, we are rebuilding the payment experience from the ground up in Vietnam. We looked at the old way of doing payments and decided: there has to be a better way. Circle was born from a simple yet powerful idea: payments should be intelligent, effortless, and credit should be empowering, not a maze of fine print, surprise fees, and systems that feel stuck in the past. Founded by former McKinsey partners and backed by global investors (GSR Ventures, 500 Global), we're on a mission to be the leading PayLater Card platform in Vietnam, setting new standards for transparency, personalization, and user experience in the financial industry. We're not just keeping up with the digital age; we're defining what's next.