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Dowsure

Fintech and insurance infrastructure for cross-border e-commerce sellers

Specialty Solutions Growth Series C+
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Overview

Dowsure is a fintech and insurtech platform providing financial services and risk protection products to cross-border e-commerce sellers. Founded in 2016 in Shenzhen, the company serves sellers on major global marketplaces including Amazon, Walmart, eBay, and Meta, offering working capital financing, credit facilities, and insurance coverage tailored to the operational realities of international e-commerce.

The platform combines proprietary AI-driven credit assessment (DVA -- Digital-asset Value Assessment) with dual-mode data compliance infrastructure (DDM -- Dual Data Model) to evaluate seller risk using e-commerce performance data rather than traditional financial metrics. Products span multiple financing formats -- lines of credit, buy now pay later, term loans, and merchant cash advances -- alongside insurance products covering fraud, chargebacks, and compliance risk in cross-border transactions.

Dowsure has served more than 30,000 registered users and 10,000 merchants, and has been designated as an official Amazon lending partner. The company has raised USD 29.2M in total funding across Seed, Series B, and Series C rounds, with strategic investors including HSBC Strategic Innovation Investments, China Merchants Venture Capital, Visa Accelerator, and Ant Group.

Products & Services

morfund

Working capital financing product using e-commerce shop data to assess creditworthiness and provide multi-currency funding to sellers across multiple platforms.

Key Features

  • Shop data-driven credit assessment (no traditional collateral required)
  • Multi-currency disbursement
  • Supports sellers on Amazon, Walmart, eBay, and Meta

Target Users: Cross-border e-commerce sellers seeking working capital

dousafe

Insurance product covering cross-border e-commerce sellers against fraud, chargebacks, and compliance risks in international transactions.

Key Features

  • Fraud and chargeback coverage
  • Cross-border compliance risk protection
  • Integrated with major marketplace seller accounts

Target Users: International e-commerce sellers

XFCloud

Cross-border e-commerce credit and payments SaaS platform providing lines of credit and payment processing for sellers operating across borders.

Key Features

  • Lines of credit for cross-border inventory and operations
  • Payment processing capabilities
  • Multi-jurisdiction compliance support

Target Users: Cross-border e-commerce merchants

LFCloud

Domestic e-commerce financing platform designed for Chinese marketplace sellers.

Key Features

  • Domestic credit and financing products
  • Tailored for Chinese e-commerce platform sellers
  • Local compliance framework

Target Users: Chinese domestic e-commerce sellers

XICloud

Cross-border e-commerce insurance solutions providing comprehensive risk coverage for international sellers.

Key Features

  • Multi-product insurance coverage for international transactions
  • Platform-integrated risk assessment
  • Coverage across major global marketplaces

Target Users: International e-commerce merchants

At a Glance

Founded
2016
Headquarters
Shenzhen, China
Employees
51-200
Funding
Series C+

Category & Focus

Category
Specialty Solutions
Subcategories
E-commerce financing Trade credit insurance Embedded fintech
Insurance Verticals
Specialty/E&S
Target Customers
Consumers

Customers

  • Amazon (official lending partner; 80%+ of Amazon Seller Program participants)
  • HSBC (1,000+ applications, USD 150M+ in loans disbursed)
  • Typhur (USD 1M+ disbursement)
  • Walmart platform sellers
  • eBay platform sellers

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Last updated: 2026-06-03