Best FinTech Companies in Japan
The 447 best FinTech companies in Japan in 2026, ranked by funding and momentum. Funding, investors, founders, valuation, tech stack and live signals. Top: Paidy.
Japan's FinTech sector has a funding story worth reading closely, and this directory ranks the best FinTech companies in Japan by disclosed equity funding and recent momentum across 447 tracked firms. Total disclosed capital sits at $2.4B, with Upsider leading the pack at $215M, LayerX pulling $59M, and the rest of the field showing just how concentrated early-stage bets still are. One unicorn. Plenty of runway left. The global market is pegged at $113.4B in 2025 and forecast to hit $461.6B by 2034, a 17.21% CAGR according to IMARC Group, and Japan's trajectory is tracking that curve. As shown in 2017 research, platform-driven financial models consistently outpace traditional ones on adoption speed, which lines up with what you're seeing here in next-gen banking and cloud-based platform plays.
So what's driving the heat right now? Digital banking innovation and platform banking are pulling the most coverage this quarter, and the investor list tells you who's paying attention: SBI Investment, Mitsubishi UFJ Capital, and SMBC Venture Capital are all active. Regulatory friction is real, stringent and sometimes conflicting government rules have slowed some entrants, but they've also kept the field clean enough that well-capitalized players like Upsider can define the pace. I'd watch how the OEM-Pay and embedded finance threads develop here. The sector's moving.
- Statista
Our analysis of 1,006 FinTech companies
$195.5b in tracked funding; 96% of the stack-profiled cohort runs cloud-native; funding activity peaked in 2025.
Ranked: Best FinTech companies in Japan
| # | Company | Disclosed funding | Last round | Stage | Employees | Founded | Tech stack | Patents & IP focus | Recent signals |
|---|---|---|---|---|---|---|---|---|---|
| 1 | Paidy App-based lending platform for purchase financing | $281M | 62 mo ago | Acquired | 147 | 2014 | ContentfulApple iCloud MailGoogle Workspace+26 | — | — |
| 2 | UPSIDER Fintech company offering a corporate card solution for businesses | $215M | 18 mo ago | Acquired | 25 | 2018 | Apple iCloud MailGoogle WorkspaceTailwind CSS+20 | — | — |
| 3 | Line Next Online platform to buy and sell NFT collectibles | $150M | 30 mo ago | Series B | — | — | — | — | — |
| 4 | freee Provider of cloud-based accounting, human resources, and related business management software | $143M | 94 mo ago | Public | 1,489 | 2012 | SalesforceReactGatsby+33 | 3 patents Automated financial accounting data processing and bookkeeping software systems | — |
| 5 | NETSTARS Provider of multi-cashless payment solutions, store operation, and global cashless promotion | $130M | 62 mo ago | Public | 127 | 2008 | JoomlaWordPressApple iCloud Mail+20 | — | — |
| 6 | Kyash Payment cards solution provider | $110M | 51 mo ago | Series D | 47 | 2015 | WebflowSentryZendesk+23 | 2 patents Digital payment settlement and multi‑value electronic money transaction processing | — |
| 7 | WealthNavi Automated asset management platform | $71M | 79 mo ago | Public | 164 | 2015 | Amazon Web ServicesGoogle AdsYahoo Advertising+20 | 2 patents Electronic securities trading devices and execution platforms for automated market transactions. | — |
| 8 | LayerX Provider of AI, SaaS, and Fintech digital solutions and services | $59M | 9 mo ago | Series B | 107 | 2018 | WordPressApple iCloud MailGoogle Workspace+19 | — | 2 job openings · 1 launch |
| 9 | Animoca Brands Platform that enables intellectual property holders to build and expand fan communities via the issue of NFTs | $45M | 45 mo ago | Seed | — | 2021 | core-jsjQueryPriority Hints+8 | — | — |
| 10 | Infcurion Provider of financial technology solutions, consulting, and business creation support | $35M | 26 mo ago | Public | 272 | 2006 | WordPressMySQLPHP+25 | 2 patents Payment transaction processing and settlement control systems for electronic payments. | 2 launchs |
| 11 | Dr. Keihi Transport expense management platform. | $28M | 23 mo ago | Series B | 130 | 2012 | WordPressApple iCloud MailGoogle Workspace+38 | — | — |
| 12 | Funds P2P platform for business loans | $27M | 0 mo ago | Series E | 22 | 2005 | ContentfulSentryApple iCloud Mail+34 | — | — |
| 13 | WealthPark App-based platform for investment in real estate | $27M | 25 mo ago | Series C | 177 | 2015 | WordPressApple iCloud MailGoogle Workspace+26 | 3 patents Real estate property management software platform | — |
| 14 | TRUSTDOCK API-based platform offering KYC and identity management solutions for banks and financial institutions | $23M | 37 mo ago | Series A | 50 | 2017 | — | — | — |
| 15 | Smart Bank Digital bank for individuals | $22M | 17 mo ago | Series B | 19 | 2019 | Hatena BlogSentryFacebook Login+15 | — | — |
| 16 | Toku Platform offering token compensation & tax compliance solutions | $20M | 39 mo ago | Series B | 37 | 2021 | WebflowGSAPPostHog+24 | — | 1 launch |
| 17 | 400F Online investment and financial advisory platform | $19M | 21 mo ago | Series B | 12 | 2017 | NotionSuper BuilderApple iCloud Mail+14 | — | — |
| 18 | nudge.works Commercial bank | $19M | 25 mo ago | Series A | 8 | 2020 | Apple iCloud MailGoogle WorkspaceRuby+15 | — | — |
| 19 | Olta Provider of a cloud-based marketplace platform for invoice factoring | $17M | 35 mo ago | Series B | 19 | 2017 | SentryApple iCloud MailGoogle Workspace+28 | — | — |
| 20 | iYell Corporation Mortgage sales & marketing platform | $15M | 7 mo ago | Series E | 270 | 2016 | Concrete CMSPHPGSAP+15 | — | — |
| 21 | M & A Cloud Online platform for M&A deals management | $14M | 13 mo ago | Series D | 39 | 2015 | SentryApple iCloud MailGoogle Workspace+25 | — | — |
| 22 | Payme App-based mobile payment platform | $14M | 33 mo ago | Seed | 20 | 2017 | SentryNode.jsTypeScript+16 | — | — |
| 23 | Financie Digital platform offering cryptocurrency social tokens | $14M | 34 mo ago | Series B | — | 2019 | Apple iCloud MailGoogle WorkspaceRuby+27 | — | — |
| 24 | Xenodata Lab Online platform for financial data and analytics | $13M | 20 mo ago | Series C | 7 | 2015 | — | — | — |
| 25 | Yoii Online marketplace for revenue-based financing | $10M | 30 mo ago | Series A | — | 2021 | Node.jsRadix UITailwind CSS+24 | — | — |
| 26 | Konohoken Provider of AI-enabled insurance comparison solutions | $8M | 11 mo ago | Series A | — | 2016 | microCMSSentryNode.js+18 | — | — |
| 27 | Habitto Card-linked wallet for consumer payments | $7M | 18 mo ago | Series A | 21 | 2021 | DatoCMSNode.jsTypeScript+17 | — | — |
| 28 | Smartpay A credit card where payments are made in installments | $7M | 26 mo ago | Seed | 20 | 2020 | ContentfulSentryZendesk+23 | — | — |
| 29 | ELESTYLE Payment processing solutions for businesses and merchants | $7M | 26 mo ago | Series B | — | 2014 | HubSpot CMS HubApple iCloud MailGoogle Workspace+22 | — | — |
| 30 | Bloomo Investment App-based platform for investment and portfolio management | $6M | 14 mo ago | Series A | 10 | 2022 | Framer SitesVimeoReact+18 | — | — |
| 31 | Woodstock Broker-based online trading and investment platform | $5M | 24 mo ago | Series A | 9 | 2021 | STUDIOFirebaseNode.js+13 | — | 4 launchs |
| 32 | Miive Cloud-based employee welfare platform for enterprises | $5M | 7 mo ago | Series B | 6 | 2020 | STUDIOFirebaseNode.js+16 | — | — |
| 33 | Diggle Online budget management software | $5M | 11 mo ago | Series B | 14 | 2016 | WordPressMySQLPHP+27 | — | — |
| 34 | ZIRITZ Provider of a platform for scoring real estate investment opportunities | $5M | 7 mo ago | Series A | — | 2019 | FirebaseCloudflareMicrosoft Clarity+11 | — | — |
| 35 | JPYC Prepaid Japanese Yen Stablecoin made on public blockchain | $4M | 0 mo ago | Series B | 22 | 2019 | STUDIOApple iCloud MailGoogle Workspace+14 | — | — |
| 36 | Paytner Provider of payment processing, credit model development, and recruitment services | $4M | 4 mo ago | Series A | — | 2019 | Node.jsTailwind CSSAmazon ALB+33 | — | — |
| 37 | Digital Asset Markets Platform offering stablecoins backed by gold and commodities | $3M | 6 mo ago | Series B | — | 2018 | HighchartsChart.jsBootstrap+14 | — | 1 launch |
| 38 | Kort Valuta Technology firm that specializes in identity document (ID) technology and financial technology solutions | $3M | 23 mo ago | Series A | — | 2014 | WordPressMySQLPHP+17 | — | — |
| 39 | TRADOM AI exchange rate forecast and exchange rate risk management system | $3M | 16 mo ago | Series A | — | 2022 | WordPressMySQLPHP+28 | — | — |
| 40 | MILIZE AI-based online provider of financial management and product solution to individuals & businesses | $3M | 4 mo ago | Series B | 65 | 2009 | WordPressMySQLPHP+22 | — | — |
| 41 | Digital Securities Operator of a marketplace for digital securities and asset management | $2M | 5 mo ago | Series A | — | 2017 | WordPressMySQLPHP+24 | — | — |
| 42 | Emerada Limited information available | $2M | 22 mo ago | Seed | 10 | 2016 | — | — | — |
| 43 | StockPoint App-based alternative trading system for stocks | $2M | 18 mo ago | Seed | — | 2016 | WordPressMySQLPHP+29 | — | — |
| 44 | OpenMoney Database and platform that provides salary and compensation data for companies | $2M | 22 mo ago | Series A | — | 2013 | RubyGoogle ChartsTailwind CSS+21 | — | — |
| 45 | Congrant Provider of fundraising software offering donation page creation and donor management | $2M | 18 mo ago | Series A | 15 | 2020 | PHPOpenSSLReact+23 | — | — |
| 46 | Pacific Meta Online platform for development for the launch of the Web3 and NFTs | $1M | 16 mo ago | Series A | 12 | 2022 | WordPressMySQLPHP+30 | — | 1 partnership |
| 47 | RemitAid Cross-border remittance solution for businesses | $1M | 21 mo ago | Seed | — | 2022 | WordPress Block EditorWordPressMySQL+24 | — | — |
| 48 | Zaimo Develops SaaS-based AI-driven management platform that facilitates planning, budgeting, and financial… | $640K | 16 mo ago | Seed | — | 2023 | — | — | — |
| 49 | Insurance book App-based insurance management platform for consumers | $634K | 17 mo ago | Seed | 10 | 2018 | STUDIOFirebaseNode.js+18 | — | — |
| 50 | Sasuke Financial Lab Insurance robo advisor | $474K | 11 mo ago | Series B | 51 | 2016 | WordPress Block EditorWordPressApple iCloud Mail+25 | — | — |
Top 12 FinTech companies in Japan
#1
Series E · Minato City, Tokyo · founded 2005 · 22 employees$27Mraised▾
Funds is a P2P platform for business loans. It enables businesses to access loans from multiple individual & institutional investors. Loans are transferred and calculated on the basis of credit risk assessments.
- Nov 2025Series E$11.9M
- Mar 2023Series D$27M
- Aug 2019Seed—
#2
Series B · Chiyoda City, Tokyo · founded 2019 · 22 employees$4.4Mraised▾
Prepaid Japanese Yen Stablecoin made on public blockchain. It operates on Ethereum, Polygon, xDai, and Shiden, and can be used with apps. It has to be managed separately by a wallet like MetaMask. Users can buy and sell goods by exchanging from JPYC for V-Prika Gift.
- Apr 2026Series B$17.6M
- Feb 2026Series B$11.9M
- Jan 2025Series A$2.1M
- Feb 2024Series A—
#3
Series B · Chuo City, Tokyo · founded 2018 · 107 employees$59Mraised▾
Provider of AI, SaaS, and Fintech digital solutions and services. The company researches advanced AI and data technologies to develop related products. It offers solutions for digital transformation and financial technology. The company aims to digitize economic activities and create user-friendly products.
- Sep 2025Series B$100M
- Jun 2023Series A$19.2M
- Feb 2023Series A—
- Feb 2020Series A$27.3M
#4
Acquired · Tokyo, Tokyo · founded 2018 · 25 employees$214.8Mraised▾
Fintech company offering a corporate card solution for businesses. The platform provides corporate cards which allowing businesses to manage the finances with features such as cloud accounting, bookkeeping, invoice system, slack integration, card lock function, and more.
- Nov 2024Series D$35.6M
- Nov 2024Conventional Debt$64.2M
- Jul 2022Series C—
- May 2022Series C$115M
#5
Series E · Shibuya, Tokyo · founded 2016 · 270 employees$15.3Mraised▾
iYell offers a mortgage sales & marketing platform. The platform provides mortgage-only chatbot that automatically responds to questions from users regarding mortgages. Offers a mortgage product sales solution that proposes the best mortgage for end-users. Offers a mortgage calculator that enables lenders to make mortgage proposals to their customers.
- Nov 2025Series E$2.1M
- Jul 2024Series E$12.1M
- Jul 2023Series A$3.2M
#6
Series A · Minato, Tokyo · founded 2019$4.1Mraised▾
Provider of payment processing, credit model development, and recruitment services
- Jan 2026Conventional Debt$17.6M
- Jul 2025Conventional Debt$36.9M
- Aug 2023Series A—
- Aug 2021Series A$4.1M
#7
Series B · Minato City, Tokyo · founded 2009 · 65 employees$3Mraised▾
AI-based online provider of financial management and product solution to individuals & businesses. It offers a cloud-based life plan service that aims to increase personal money and provides financial advice to individuals. The company offers MilizePro which is a financial products management (evaluation, management, analysis) tool for financial institutions & business corporations. Also offers a Milize AI series that provides financially specialized AI models to solve business problems. It also provides risk management, trading and risk management support tools, alternative data platforms, algorithmic trading, and multiple solutions in financial sectors.
- Jan 2026Series B—
- Apr 2023Series B—
- Dec 2019Series A$3M
#8
Series B · Shibuya, Tokyo · founded 2020 · 6 employees$4.7Mraised▾
Cloud-based employee welfare platform for enterprises. The software offers a payments card and operational assistance. It also allows imparting tax benefits, management, customization and advance payment facility. It is a tool available on the subscription-based pricing model.
- Nov 2025Series B$9.8M
- Nov 2025Conventional Debt—
- Nov 2024Seed$2.9M
- Nov 2024Conventional Debt—
#9
Series A · Chiyoda-ku, Tokyo-to · founded 2019$4.5Mraised▾
Provider of a platform for scoring real estate investment opportunities. The platform offers scoring based on individual attributes and asset status for property investment. It facilitates access to services like market data and property proposals. The platform also provides digital apartment plan production and loan combinations.
- Nov 2025Series A$4.5M
#10
Series B · Chiyoda City, Tokyo · founded 2018$3.1Mraised▾
Platform offering stablecoins backed by gold and commodities. Offers a Zipang Coin, which is digital gold and provides small lots and liquidity. It aims to offer coins based on products (commodities) such as platinum and crude oil other than gold.
- Nov 2025Series B$8.3M
- Feb 2022Series A$3.1M
#11
Series D · Tokyo, Tokyo · founded 2015 · 39 employees$14.4Mraised▾
Online platform for M&A deals management. It offers a networking and matching platform that allows companies to post their investment requirements and enables investors to invest. It offers information on sellers, buyers, mergers, acquisitions, ongoing projects, etc. It also provides investment advisory solutions.
- Apr 2025Series D$3.5M
- Oct 2021Series C$8.8M
- Jun 2020Series B$2.1M
#12
Series A · Minato, Chiba-ken · founded 2017$1.9Mraised▾
Operator of a marketplace for digital securities and asset management. The company provides financial instruments trading, investment management, and consulting services. It is registered as a financial instruments business operator. The company is a member of associations for investment and real estate securitization.
- Dec 2025Series A$1.9M
Funding & investor landscape
Notable founders
Market landscape — 10 sub-themes by coverage
Share of FinTech coverage by sub-theme.
Regulatory-risk over time rising
Funding & growth over time
funding rising · growth rising
How research on Fintech is moving in Japan
A read on the academic research around Fintech — which themes are gaining ground, the institutions and researchers driving them, and how the tone is shifting. Based on 112 Japan-affiliated papers.
- Kohnan Hospital54
- Funai Electric7
- Asian Development Bank Institute3
- Keio University3
- Ritsumeikan Asia Pacific University2
- Digital currency2
- Blockchain2
- Central bank1
- Payment1
- Cryptocurrency1
- Volatility (finance)28
- Asset (computer security)20
- Cryptocurrency20
- Sharpe ratio16
- Investment (military)14
- Financial services2→16
- Financial literacy2→5
Where fintech is researched across Japan
Location clusters by institution affiliation — each city's volume, stance tone, and a quick read on its hot topic, what's advancing, the opening opportunity, and the main concern.
Common questions
Rohit lives in the feed. He covers what's moving right now — the funding rounds, launches and shifts breaking across the trade press — and ties them back to where the sector is heading.