The digital financial services division, Sea Money, reported a 73% YoY increase in its outstanding loan principal, reaching $4.6 billion, and added four million new borrowers, raising its active user base to 24 million. Leveraging Shopee's data for risk assessments, Sea Money's "low-and-grow" strategy has maintained a stable non-performing loan ratio at 1.2%, positioning the platform as a resilient credit provider. Notably, over half of Sea Money's loans in Indonesia now occur outside the Shopee ecosystem, reflecting expanded use cases in offline purchases, with further regional expansion planned.