Moneytree
- Company typePrivate
- Founded2012
- HeadquartersTokyo, Japan
- Headcount11–50
- GTM typeB2B and B2C
- OfferingSoftware
Moneytree firmographics
Firmographics- Name
- Moneytree
- Website
- https://getmoneytree.com
- Company type
- Private
- Founded year
- 2012
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
Moneytree industry classification
Industry- Product category
- Financial Data Platform
- NAICS
- Other Activities Related to Credit Intermediation (522390)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Account Aggregation & Connectivity (Multi-bank linking) (FSAGACAA)
- akta.pro secondary industry
- Transaction Analytics & Cash-Flow Insights (risk signals, forecasting) (FSAGACAG)
Keywords
Where Moneytree is headquartered
LocationHeadquarters
- HQ city
- Tokyo
- HQ country
- Japan
- HQ region
- Asia
Offices1 record
Markets served
Moneytree business model
Business model- GTM type
- B2B and B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- Moneytree Business Premium: Freemium model with free version launched for SMBs and sole proprietors, with premium paid features available. The service offers visualization and AI-based financial predictions, with plans for future fundraising mentioned.
- Moneytree LINK API Licensing: Financial data API platform licensed to enterprise partners for integration into their software solutions, enabling automated bank transaction data import for rent deposit reconciliation and other financial management use cases.
- BIZUP Integration Services: Integration partnership with BIZUP expense management system through Moneytree LINK, reducing manual data entry for users.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Monthly | Free tier for SMBs and sole proprietors |
Go-to-market motion3 records
Distribution channels2 records
Marketing channels3 records
Moneytree product offering
Product offeringCore offering
Moneytree operates a financial data aggregation platform that provides Moneytree Business, a financial management application for SMBs and sole proprietors featuring AI-based predictions and P&L forecast simulation, and Moneytree LINK, a cloud-based financial data API that enables automated import and aggregation of bank transaction data from multiple financial institutions for integration into third-party enterprise applications.
Product overview
Moneytree operates as a financial data platform company offering a portfolio of interconnected products: Moneytree LINK serves as the core financial data API that aggregates bank accounts, credit cards, pensions, and points data; Moneytree Business is a financial management solution for SMEs and sole proprietors that leverages AI for predictions and forecasting; and Moneytree ID provides identity integration for third-party fintech services. The products work together to enable digital financial management and are being expanded through strategic integrations with partners in real estate tech, expense management, workplace finance, and insurance sectors.
Differentiator
Problem solved
Functional benefit
Products and services
- Moneytree Business Financial management application for SMBs and sole proprietors offering financial data visualization, AI-based financial predictions, and P&L forecast simulation to support management decisions. Available in a freemium model with premium paid features.
- Moneytree LINK Financial data API platform that aggregates and centralizes bank account, credit card, defined contribution pension, and points data from multiple financial institutions. Licensed to enterprise software providers (real estate, expense management, workplace apps, insurance) for embedded white-label integration.
- Moneytree ID Identity and authentication integration service enabling secure connections between Moneytree's financial data platform and third-party fintech services, supporting household financial diagnosis and life plan simulation capabilities.
Quantifiable outcome
- Eliminates manual data entry previously done visually for rent deposit reconciliation
- +1 more outcomes
Companies that use Moneytree
Customer profileSegments3 records
Ideal customer profiles3 records
Moneytree technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
AI capability5 records
Feature5 records
Moneytree partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core.
- Japan Information CreatecoreMoneytree LINK financial data API integrated into Japan Information Create's real estate management software 'Rental Revolution.' The integration enables automatic import of bank transaction data for rent deposit reconciliation, eliminating manual visual data entry. Japan Information Create is based in Miyazaki Prefecture.
- MILIZE Inc.coreMILIZE implemented Moneytree ID integration functionality into its fintech services to enhance household financial diagnosis and life plan simulation capabilities. The partnership enables MILIZE to leverage Moneytree's financial data aggregation for more comprehensive financial planning tools.
- TT Digital Platform Inc.coreMoneytree LINK adopted by TT Digital Platform's workplace app 'YORISO' developed in collaboration with MILIZE and provided by Tokai Tokyo Securities. The integration enables users to centrally manage financial data including bank accounts, credit cards, defined contribution pensions, and points, with AI-driven financial advice. This represents the third instance of Moneytree LINK in asset formation industries.
Scale indicators3 records
Recent moves6 records
Expansion highlights6 records
Moneytree competitors and assessment
Company assessmentDirect peers
- Plaid: Plaid is a US-headquartered financial data aggregation API platform connecting bank accounts, credit cards, and investment accounts to consumer and B2B applications. It is the most direct global comparable to Moneytree LINK in product, business model (API licensing), and target developer audience.
- Money Forward: Money Forward is a leading Japanese fintech offering cloud accounting, PFM, and SMB financial management tools. It directly competes with Moneytree Business in the Japanese SMB segment and shares the same open-banking-driven approach to aggregating consumer financial data.
- freee: freee is a major Japanese cloud accounting and payroll platform serving SMBs and sole proprietors. It competes head-to-head with Moneytree Business in Japan's SMB cloud accounting market and shares the freemium-style SMB acquisition motion.
- Tink: Tink is a European open banking platform (now owned by Visa) providing account aggregation, payment initiation, and financial data APIs. It is directly comparable to Moneytree LINK in open-banking API infrastructure and enterprise licensing business model.
- TrueLayer: TrueLayer is a UK-based open banking API platform enabling bank account connectivity, payments, and financial data access for third-party apps. It is a direct global peer to Moneytree LINK in product offering and developer-first distribution.
- Yapily: Yapily is a UK open banking API infrastructure provider enabling account aggregation and payment initiation across European banks. It is comparable to Moneytree LINK as a B2B financial data aggregation platform with enterprise licensing economics.
- Salt Edge: Salt Edge is a financial data aggregation and open banking API provider serving banks, lenders, and fintechs globally. It mirrors Moneytree LINK's positioning as a multi-jurisdiction account aggregation and data connectivity layer.
- Akoya: Akoya is a financial data aggregation network offering API-based access to consumer-permissioned bank account data. It is directly comparable to Moneytree LINK in its API-first approach to enabling third-party financial-data access.
- Zaim: Zaim is a Japanese household-accounting and PFM app aggregating bank and credit card data. It is a direct domestic peer to Moneytree in the consumer PFM segment of the Japanese market.
Broad incumbents
- Finicity (Mastercard): Finicity is a US-based financial data aggregation platform now owned by Mastercard, offering account connectivity, verification, and cash-flow analytics APIs to lenders and fintechs. It is a broad incumbent comparable to Moneytree LINK with the added distribution advantage of Mastercard's global payment network.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights7 records
Customer concentration
Moneytree social profiles
Digital presenceMoneytree financial estimates
Financial estimateRevenue estimate
Valuation estimate
Moneytree leadership team
Management profileNumber of profiles
Profiles5 records
Moneytree funding detail
Funding detailFunding overview
Funding rounds8 records
Investors23 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Moneytree M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Moneytree
What does Moneytree do?
Moneytree operates a financial data aggregation platform that provides Moneytree Business, a financial management application for SMBs and sole proprietors featuring AI-based predictions and P&L forecast simulation, and Moneytree LINK, a cloud-based financial data API that enables automated import and aggregation of bank transaction data from multiple financial institutions for integration into third-party enterprise applications.
Is Moneytree a public or private company?
Moneytree is a private company. It is classified as venture growth investor backed and is currently operating.
When was Moneytree founded?
Moneytree was founded in 2012. It employs 11 to 50 people.
Where is Moneytree based?
Moneytree is headquartered in Tokyo, Japan, in the Asia region.
How does Moneytree make money?
Three revenue lines are on record. Moneytree Business Premium is the primary driver. The others are moneytree LINK API Licensing and BIZUP Integration Services.
Who are Moneytree's main competitors?
Direct peers on record are Plaid, Money Forward, freee, Tink, TrueLayer, Yapily, Salt Edge, Akoya and Zaim. Finicity (Mastercard) is listed as a broad incumbent.
Does Moneytree have an API?
Yes. Moneytree LINK is a financial data platform/API that enables users to centrally manage various financial data including bank accounts, credit cards, defined contribution pensions, and points. The platform supports integrations with third-party services and provides financial data aggregation capabilities.
What industry is Moneytree in?
Moneytree's product category is Financial Data Platform. Its primary akta.pro industry code is FSAGACAA, Account Aggregation & Connectivity (Multi-bank linking), with a secondary code of FSAGACAG, Transaction Analytics & Cash-Flow Insights (risk signals, forecasting). Its NAICS code is 522390 and its SIC code is 6199.