AIOS Tech Inc. (NASDAQ: AIOS)

AIOS Tech Inc. is a technology driven professional service provider that delivers SME financing solutions and information technology services. Following its strategic transformation in late 2025, the company shifted focus from legacy finance and supply chain operations to AI enabled technology services and overseas SME financing. The firm now conducts its core activities from Hong Kong, using the city’s status as an international financial centre and Asia Pacific digital hub to serve regional and global clients. AIOS Tech Inc. aims to integrate artificial intelligence, data analytics and compliant technology to help businesses improve access to capital and enhance digital infrastructure.

The company generates revenue through two main activities. In the SME financing segment, it provides technology enabled consulting, structuring, distribution and management of financial products for small and medium sized enterprises, earning one time advisory fees. In the information technology segment, it delivers project based services such as software development, system integration, cloud solutions and AI applications, alongside recurring SaaS subscriptions for data platforms and AI suites, collecting fees according to milestones or subscription periods. For the fiscal year ended 2025, SME financing contributed approximately 59% of total revenue while information technology accounted for the remaining 41%. The firm’s revenue model relies on both upfront project fees and recurring subscription income, providing a mixed cash flow profile.

The company operates through the following segments: SME financing solutions and information technology services. These segments are defined by function rather than geography, reflecting the firm’s core service lines.

• SME financing solutions: The segment offers technology driven advisory services that help small and medium sized enterprises design, issue, distribute and manage financial products such as loans, bonds and alternative financing instruments. It connects enterprises with investors through a digital matching platform and provides risk control support throughout the financing process. Revenue is generated primarily from one time advisory fees charged upon successful completion of each financing transaction. The team also monitors post funding performance to ensure compliance and to build long term relationships with client firms.

• Information technology services: This segment provides end to end digital transformation support across four sub areas. It delivers IT services for commercial clients across all industries, including software development, system integration and cloud migration. It offers customized IT solutions for the financial industry, focusing on business process digitisation, intelligent risk control and regulatory reporting. It supplies data driven full stack solutions, comprising data assetisation, enterprise level data middle platform construction and AI integration for standardised SaaS offerings and custom enterprise projects. It provides AI driven full scenario services, such as AI model development, platform construction and industry specific AI application suites, earning revenue from both project based fees and recurring SaaS subscriptions.

Within the highly competitive IT and AI services market, AIOS Tech Inc. positions itself through an AI plus Technology Empowerment approach that blends high end custom solutions with lightweight, cost effective SaaS offerings. Its main competitors are established local IT providers in Hong Kong and mainland fintech firms that are extending their operations into the territory. The company differentiates itself by combining deep expertise in financial regulation with a scalable technology stack that enables rapid deployment for small and medium sized clients. Another advantage is its ability to offer cross border data compliance solutions that align with both Hong Kong and overseas regulatory requirements. Furthermore, the firm leverages Hong Kong’s role as a financial hub to access global capital markets while maintaining a cost base that supports affordable pricing for emerging enterprises.

The company serves a diverse customer base that includes small and medium sized enterprises, financial institutions, commercial firms across various industries and other organisations seeking digital transformation or financing assistance. Its SME financing operations primarily target businesses in Hong Kong and selected Southeast Asia markets that require alternative funding sources. The information technology division works with a range of clients such as banks, insurance firms, retail chains, manufacturing plants and technology startups that need tailored IT upgrades or AI enabled tools. While the firm does not disclose specific customer names in its filings, it indicates that revenue is derived from a mix of repeat corporate clients and new project based engagements.