TechCreate Group is a Singapore-based fintech company that sells payment system integration services to banks and financial institutions across Southeast Asia. TechCreate's core product is its Real-Time Engine (RTE), a proprietary middleware layer that connects a bank's internal systems to external real-time payment (RTP) networks — enabling round-the-clock, multi-channel payment processing without requiring a full overhaul of legacy infrastructure. TechCreate sells primarily through project-based contracts under a Design-Build-Transfer-Operate model, where TechCreate designs, builds, and deploys a solution, transfers knowledge to the client, and may provide ongoing tiered support. Beyond payments, TechCreate also delivers cybersecurity, cloud and IT infrastructure, and digitalization services. Revenue comes from project fees, RTE software licenses (which are non-refundable and retained for resale to future clients), maintenance contracts, and hardware sales of the SoundBox POS device, which supports cross-border QR code payments across Southeast Asia. Customers include banks, insurance companies, telecoms, and government-adjacent entities in Singapore, Brunei, Cambodia, and China. The business is small and highly customer-concentrated, with the top six customers driving the bulk of revenue. TechCreate is expanding geographically across Southeast Asia, working to broaden its client base, and extending the RTE into adjacent use cases such as insurance payout systems, e-invoicing, and super app integration.