DFL24
Danang Fintech Lab

Where innovation meets sovereignty. Where every district becomes a gateway to the future.

Danang Fintech Lab

DFL24 is not just a fintech sandbox. It is a purpose‑built innovation ecosystem, strategically anchored inside the Vietnam International Financial Centre (VIFC) in Danang. As one of the first 10 strategic investors licensed as members of VIFC Danang, we stand at the forefront of shaping Vietnam’s new financial landscape.

Da Nang Night Bridge

International Team

Bringing diverse perspectives and global experience to drive innovation in Vietnam.

Local Expertise

Deep understanding of the Vietnamese market, regulations, and cultural nuance.

World Experts in Fintech x AI

Pioneering the intersection of financial services and artificial intelligence.

The Story Behind "24"

24 is not a year. It is not a number of hours.
It is a statement of identity, unity, and ambition.

24 stands for the 24 districts and townships of Danang – including the two island districts of Hoang Sa (Paracel) and Truong Sa (Spratly). Together, they form the complete administrative map of our city, a place where the mainland meets the ocean, and where innovation carries the responsibility of sovereignty.

Completeness

Just as 24 districts make Danang whole, DFL24 brings together every piece of the fintech puzzle: regulation, infrastructure, capital, and talent.

Unwavering Presence

Like the 24/7 rhythm of a city that never sleeps, we stand ready to support innovators anytime, anywhere.

A Vision Without Borders

The two island districts remind us that true innovation knows no boundaries—whether geographical, technological, or regulatory. DFL24 is built to help fintech solutions reach every corner of the nation and beyond.

Rooted Yet Global

We draw strength from our local foundation, while thinking and acting on a global scale. 24 is our anchor; Southeast Asia is our horizon.

More Than a Sandbox.
A Launchpad with Purpose.

DFL24 is where fintech meets national pride, where every test case carries the spirit of a city that looks outward to the sea. We are not just building a platform—we are building a legacy of innovation that starts in Danang, embraces the islands, and radiates across the region.

What We Deliver

Sandbox 2.0 Infrastructure

A living laboratory that enables real‑world testing with real data, real users, and real market dynamics.

Regulatory & Legal Navigation

Direct support from experts to streamline approvals and embed compliance from day one.

Cross‑Border Testing

A launchpad to Southeast Asia’s most vibrant economies, enabling seamless piloting and scaling across borders.

Corporate Innovation

Tailored collaborations with financial institutions and enterprises to co‑create next‑generation solutions.

End‑to‑End Growth Support

From incubation and acceleration to go‑to‑market execution, de‑risking every step of the journey.

Team

My Ha Tran

My Ha Tran

Founder

A strategic leader driving innovation and investment between Europe and Asia. Based in France and Vietnam, she serves as President of VYBE, Partner at Da Nang International Financial Center, and VINEU Director of France

Kiel DiGiovanni

Kiel DiGiovanni

Head of Operations

Previously acted as COO of Expand and Motus Operandi, supporting business growth and China market expansion. He also co-founded SET FOR SET, an e-commerce fitness startup successfully sold in 2024.

Vincenzo Cartelli

Vincenzo Cartelli

Head of Technology

CTO at Expand and CrossFund, with over 20 years of experience in enterprise architecture, blockchain, and AI. He also serves as a Research Collaborator at the University of Catania, bridging academic innovation with scalable commercial applications.

Nikhil Porwal

Nikhil Porwal

Head of Finance

A finance executive with over a decade of experience across APAC, including CFO-level roles overseeing operations in Hong Kong, Singapore, Indonesia, India, and China. Chartered Accountant (India) and CPA Australia.

Luciano Wu

Luciano Wu

Tech Lead

Founder of Yuusoft, based in Singapore, he brings over a decade of experience in software development and leading engineering teams at startups including Xendit, Leyan Technologies, and edugo.ai.

Da Nang Skyline

Da Nang: The Innovation Hub

Known for its stunning coastline and high quality of life, Da Nang is rapidly transforming into Vietnam's premier hub for technology and innovation. With a strategic location, modern infrastructure, and a forward-thinking government, the city attracts top talent and investment from across the globe.

High Quality of Life

A perfect blend of urban convenience and natural beauty, attracting global talent.

Strategic Location

Central gateway connecting major Asian economies and markets.

Skilled Educated Young Workforce

Access to a vibrant talent pool from top universities and technical institutes.

Infrastructure at a Glance

2

Airports

3

Seaports

1

Hi-tech Park

1

Free Trade Zone

1

Open Economic Zone

9

Operating Industrial Zones

4

Operating ICT Parks

Strategic Location in Vietnam

Da Nang: The Central Hub connecting North and South

Vietnam Map highlighting Da Nang

Vietnam International Finance Center

The VIFC is a policy sandbox and economic zone designed to rival global financial hubs. It offers regulatory flexibility, tax incentives, and a world-class environment for financial institutions, fintech startups, and venture capital firms to collaborate and scale.

Vietnam International Finance Center

Policy Sandbox

A safe environment to test and deploy innovative financial technologies.

Robust Legal Framework

Clear regulations and protections creating a secure environment for innovation.

Global Connectivity

Seamless integration with international financial markets and partners.

Join the Revolution

Whether you are a startup looking to accelerate, an investor seeking opportunities, or an institution ready to innovate, DFL is your partner in Da Nang.

Get in Touch