SOLOWIN HOLDINGS Announces Intent to Acquire U.S. Licensed Bank to Accelerate Global Financial Expansion
SOLOWIN HOLDINGS (NASDAQ: SWIN) has announced advanced negotiations to acquire a U.S.-licensed financial institution through an affiliate. The proposed acquisition is structured as a "clean-charter" transaction, with all legacy assets and liabilities removed before closing.
The acquisition aims to enhance three core business pillars: Global Payment Infrastructure for efficient fiat transactions, RWA Ecosystem for tokenized real-world assets, and Asset Management for regulated custody and wealth management services. The deal would enable Solowin to offer comprehensive international banking services, including deposit-taking, lending, and payment processing within the U.S. tax regime.
The transaction remains subject to a definitive agreement and regulatory approvals.
SOLOWIN HOLDINGS (NASDAQ: SWIN) ha annunciato di essere in trattative avanzate per l'acquisizione, tramite una controllata, di un'istituzione finanziaria con licenza statunitense. L'operazione è concepita come una transazione a "clean-charter", con la rimozione di tutti gli asset e passività preesistenti prima del closing.
L'acquisizione punta a rafforzare tre pilastri aziendali: Global Payment Infrastructure per transazioni fiat più efficienti, RWA Ecosystem per asset reali tokenizzati e Asset Management per servizi regolamentati di custodia e gestione patrimoniale. L'accordo permetterebbe a Solowin di offrire servizi bancari internazionali completi, inclusi raccolta depositi, erogazione di crediti e processamento pagamenti nel quadro fiscale statunitense.
L'operazione è subordinata alla stipula dell'accordo definitivo e alle approvazioni regolamentari.
SOLOWIN HOLDINGS (NASDAQ: SWIN) ha anunciado que mantiene negociaciones avanzadas para adquirir, a través de una filial, una entidad financiera con licencia en EE. UU. La operación se plantea como una transacción de "clean-charter", eliminando todos los activos y pasivos heredados antes del cierre.
La adquisición tiene por objetivo reforzar tres pilares clave: Global Payment Infrastructure para transacciones en fiat más eficientes, RWA Ecosystem para activos reales tokenizados, y Asset Management para servicios regulados de custodia y gestión patrimonial. El acuerdo permitiría a Solowin ofrecer servicios bancarios internacionales integrales, incluyendo captación de depósitos, concesión de préstamos y procesamiento de pagos bajo el régimen fiscal de EE. UU.
La transacción está sujeta a la firma del acuerdo definitivo y a las aprobaciones regulatorias.
SOLOWIN HOLDINGS (NASDAQ: SWIN)는 자회사 를 통해 미국 허가 금융기관을 인수하기 위한 고급 협상을 진행 중이라고 발표했습니다. 이번 인수는 모든 기존 자산과 부채를 클로징 전에 제거하는 "clean-charter" 방식으로 구조화되어 있습니다.
이번 인수는 세 가지 핵심 사업 축을 강화하는 것을 목표로 합니다: 효율적인 법정화폐 거래를 위한 Global Payment Infrastructure, 토큰화된 실물자산을 위한 RWA Ecosystem, 규제된 수탁 및 자산관리 서비스를 위한 Asset Management. 이 거래를 통해 Solowin은 미국 세제 아래 예금 수취, 대출 제공, 결제 처리 등 포괄적인 국제 은행 서비스를 제공할 수 있게 됩니다.
거래는 최종 계약 체결 및 규제 승인 조건이 남아 있습니다.
SOLOWIN HOLDINGS (NASDAQ: SWIN) a annoncé être en négociations avancées pour acquérir, via une filiale, une institution financière titulaire d'une licence américaine. L'acquisition proposée est structurée en tant que transaction « clean-charter », avec retrait de tous les actifs et passifs historiques avant la clôture.
Cette opération vise à renforcer trois piliers commerciaux : Global Payment Infrastructure pour des transactions fiat plus efficaces, RWA Ecosystem pour les actifs réels tokenisés, et Asset Management pour des services réglementés de garde et de gestion de patrimoine. L'accord permettrait à Solowin d'offrir des services bancaires internationaux complets, incluant la prise de dépôts, l'octroi de prêts et le traitement des paiements dans le régime fiscal américain.
La transaction reste soumise à la signature d'un accord définitif et aux autorisations réglementaires.
SOLOWIN HOLDINGS (NASDAQ: SWIN) hat bekannt gegeben, dass es über eine Tochtergesellschaft in fortgeschrittenen Verhandlungen zum Erwerb einer in den USA lizenzierten Finanzinstitution steht. Die beabsichtigte Übernahme ist als "clean-charter"-Transaktion strukturiert, wobei alle Altwerte und -verbindlichkeiten vor dem Abschluss entfernt werden.
Die Akquisition soll drei zentrale Geschäftsbereiche stärken: Global Payment Infrastructure für effiziente Fiat-Transaktionen, RWA Ecosystem für tokenisierte Real-World-Assets und Asset Management für regulierte Verwahr- und Vermögensverwaltungsdienste. Der Deal würde Solowin ermöglichen, umfassende internationale Bankdienstleistungen anzubieten, einschließlich Einlagengeschäft, Kreditvergabe und Zahlungsabwicklung im Rahmen des US-Steuersystems.
Der Abschluss der Transaktion steht unter dem Vorbehalt einer endgültigen Vereinbarung und behördlicher Genehmigungen.
- Strategic acquisition of a U.S. banking license would enable comprehensive banking services
- Clean-charter structure eliminates legacy risks and liabilities
- Enhanced capability to offer global payment infrastructure and fiat services
- Expansion into regulated custody and wealth management services
- Access to favorable U.S. tax regime for international operations
- Transaction is still in negotiation phase without definitive agreement
- Completion depends on securing regulatory approvals
- Acquisition costs and financial terms not disclosed
- Integration challenges of implementing new banking operations
Insights
Solowin's planned US bank acquisition represents strategic expansion that could significantly enhance its global financial services capabilities and competitive positioning.
Solowin Holdings has announced it's in advanced negotiations to acquire a US-licensed financial institution through an affiliate, representing a potentially transformative strategic move. The structure as a "clean-charter" acquisition is particularly noteworthy - this means Solowin would obtain only the banking license and regulatory framework while avoiding any legacy assets, liabilities, or potential compliance issues from the target institution.
This approach offers three key strategic advantages: First, it provides a regulatory-compliant entry into the US banking sector without inheriting historical risks. Second, it offers significant cost and time efficiencies compared to applying for a new banking charter, which typically involves a multi-year process with uncertain outcomes. Third, it creates an immediate platform for expanding Solowin's service offerings.
The acquisition aligns with Solowin's stated focus areas - enhancing global payment infrastructure, developing its real-world asset tokenization ecosystem, and strengthening asset management capabilities. A US banking license would provide Solowin with critical competitive advantages in each area: direct access to the US dollar clearing system, enhanced regulatory credibility for tokenization initiatives, and expanded custody capabilities for institutional clients.
While promising, significant hurdles remain before completion. Banking acquisitions face intensive regulatory scrutiny, particularly when involving foreign acquirers and digital asset activities. The press release appropriately acknowledges these contingencies, noting that completion remains subject to definitive agreements and regulatory approvals.
HONG KONG, Sept. 02, 2025 (GLOBE NEWSWIRE) -- via IBN -- SOLOWIN HOLDINGS (NASDAQ: SWIN) (“Solowin” or the “Company”), a leading financial services firm providing comprehensive solutions across traditional and digital assets, today announced that it is in the advanced stages of negotiating the proposed acquisition of a U.S.-licensed financial institution through a designated affiliate. The securing of a U.S. banking license will mark a pivotal milestone and acceleration in Solowin’s global expansion strategy.
The license would allow Solowin to offer a comprehensive suite of international banking services, including deposit-taking, lending, and payment processing for global clients, all within a highly favorable U.S. tax regime. The proposed transaction is structured as a “clean-charter” acquisition, with all legacy assets and liabilities removed before closing, thereby providing Solowin with a fully regulated, blank-slate banking platform.
This strategic move is anticipated to significantly enhance Solowin’s core business pillars:
- Global Payment Infrastructure: Enhancing Solowin’s global payment network with more efficient fiat on/off-ramps, correspondent banking relationships, and robust settlement capabilities.
- RWA Ecosystem: Facilitating the issuance and servicing of tokenized real-world assets (RWA), offering global investors secure and compliant access to U.S. dollar-denominated investments.
- Asset Management: Providing a regulated platform for custody and wealth management across global assets, strengthening Solowin’s institutional-grade offerings.
Mr. Peter Lok, Chairman and CEO of Solowin, said: “The potential acquisition of a U.S.-licensed banking institution would be a game-changer for Solowin. It represents the next logical step in our global compliance puzzle. This clean-charter opportunity would provide us with the ultimate strategic flexibility to innovate, scale our fiat-based services, and deliver unparalleled value to our clients worldwide. We are not just acquiring a bank; we are laying a foundational pillar for the future of digital finance.”
The completion of the acquisition remains subject to execution of a definitive agreement and regulatory approvals.
About SOLOWIN HOLDINGS
SOLOWIN HOLDINGS (NASDAQ: SWIN) is a leading global financial services firm operating in both traditional and Web3 industry. Founded in 2016, it has established a unique, full-spectrum ecosystem that bridges traditional and decentralized finance. Leveraging its Hong Kong Securities and Futures Commission (SFC) licensed subsidiaries with full digital asset capabilities, the Company operates a robust Web3 Infrastructure division. Through its self-developed, vertically integrated, enterprise-grade platform, Solowin delivers compliant traditional finance (TradFi), real-world asset (RWA) tokenization, and global digital payment solutions—solidifying its role as a key player in reshaping global finance through a seamless Web3-to-TradFi ecosystem.
For more information, visit the Company’s website at https://solowin.io or investor relations webpage at https://ir.solowin.io.
Forward-Looking Statements
Certain statements in this announcement are forward-looking statements. These forward-looking statements involve known and unknown risks and uncertainties and are based on the Company's current expectations and projections about future events that the Company believes may affect its financial condition, results of operations, business strategy and financial needs. The Company has attempted to identify these forward-looking statements by words or phrases such as "may," "will," "expect," "anticipate," "aim," "estimate," "intend," "plan," "believe," "is/are likely to," "potential," "continue" or other similar expressions. The Company undertakes no obligation to update or revise publicly any forward-looking statements to reflect subsequent occurring events or circumstances, or changes in its expectations that arise after the date hereof, except as may be required by law. These statements are subject to uncertainties and risks including, but not limited to, the uncertainties related to market conditions and other factors discussed in the Company's filings with the U.S. Securities and Exchange Commission (the “SEC”) including the "Risk Factors" section of the Company's most recent Annual Report on Form 20-F as well as in its other reports filed or furnished from time to time with the SEC. Although the Company believes that the expectations expressed in these forward-looking statements are reasonable, it cannot assure you that such expectations will turn out to be correct, and the Company cautions investors that actual results may differ materially from the anticipated results and encourages investors to review other factors that may affect its future results in the Company's filings with the SEC, which are available for review at www.sec.gov.
For investor and media inquiries please contact:
SOLOWIN HOLDINGS
Investor Relations Department
Email: ir@solomonwin.com.hk
Ascent Investor Relations LLC
Tina Xiao
Phone: +1-646-932-7242
Email: investors@ascent-ir.com
Corporate Communications
IBN
Austin, Texas
www.InvestorBrandNetwork.com
Phone: +1-512-354-7000
Editor@InvestorBrandNetwork.com
FAQ
What is SOLOWIN HOLDINGS (NASDAQ: SWIN) planning to acquire?
What does a 'clean-charter' acquisition mean for SWIN?
What services will SWIN be able to offer after acquiring the U.S. bank?
What regulatory requirements does SWIN need to complete the bank acquisition?
How will the U.S. bank acquisition affect SWIN's global expansion?
