TLDR

Tech in Asia reports that Tonik reached cash flow breakeven in the first quarter of 2026 after growing its loan book to about $110 million in 2025. The publisher describes a strategy focused on credit over customer acquisition as a route to profitability. It says Tonik is now slowing growth amid tougher economic conditions and has lowered its loan growth forecast.

Tonik hits cash flow breakeven, lowers loan growth forecast, Tech in Asia reports

The Philippine digital bank prioritized credit over customer acquisition, growing its loan book to about $110 million in 2025, Tech in Asia says.

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