iAM Smart
Hong Kong identity with the individual's consent.
One identity provider, from Singapore to Hong Kong to the UAE.
Chocolate Finance chose Fill Easy for iAM Smart sign-up at its Hong Kong launch, then moved its Singapore Singpass integration to us, and is adding UAE Pass next.
Digital cash managementThe problem
Chocolate Finance started in Singapore, where customers sign up with Singpass. Hong Kong, which it launched in early 2026, has its own government identity: iAM Smart.
Each new market meant another identity scheme, another integration and another vendor to manage, and Singpass already ran through a separate provider.
Before
- A separate identity vendor per market
- Singpass through another provider
- A new integration for every launch
How we solved it
One provider for every marketGovVerify · API
- LiveHong KongiAM SmartChose Fill Easy for its Hong Kong launch
- SwitchedSingaporeSingpassMoved from its previous provider to Fill Easy
- NextUnited Arab EmiratesUAE PassIntegrating with Fill Easy
- 1
Choose iAM Smart
A new Hong Kong customer picks iAM Smart in the app and approves on their phone.
- 2
Identity confirmed
GovVerify returns the verified identity, with no document to upload and no selfie.
- 3
Account open
The account opens instantly, and returns start accruing the next day.
The impact
Easy integration and responsive service turned one market into three: Hong Kong, Singapore and next the UAE.
With Fill Easy
- Instant iAM Smart sign-up in Hong Kong
- Singpass moved to Fill Easy
- UAE Pass on the same API
- One team for integration and support