Real Opportunity with Real Returns backed by Real Estate.

For everyone, guaranteed.

What we believe in

We want to disrupt the savings industry by changing the way people save.

We believe everyone should have access to better opportunities and returns, regardless of who you are.

We invite you to join the Change.

B, F, D represent “Better than Fixed Deposits” which is the Change we bring.

We deliver this through safe, strong & uncomplicated savings products that provide higher returns than traditional fixed deposits, principal & interest guaranteed.

Meet our Team

Quah Kay Beng

Founder & CEO

Extensive experience in the real estate investment management industry with more than 25 years of experience globally, Managed assets in excess of US$1 billion.
Interests: Cycling, Running and Fly Fishing

Wee Chee Minh

Sales & Marketing

Business leader with almost 30 years of direct/indirect business development in the APAC region.
Interests: Golfing and Travelling. One day to be able to golf in North Korea and Bhutan!

David Lai

Information Technology

Full stack IT veteran, with over 23 years of experience, predominantly in the telecommunication / cloud industry
Interests: Reading anything in the tech world, an avid Fish hobbyist, and Snowboarding.

Sean Lye


Experienced finance professional with over 25 years in both external and internal auditing in the banking and finance industry.
Interests: Running and exploring new and interesting food around Singapore.

Bruce Loo

Sales & Operations

Senior leader in the financial industry with over 2 decades helming key leadership positions in Consumer Banking and client relations.
Interests: An avid runner who is very active in the local hiking and trekking community.