STOCK POINT

What STOCK POINT does

GMO STOCK POINT (formerly STOCK POINT Inc.) develops and operates a patented 'Stock Price-Linked Point Operating System' (株価連動型ポイント運用システム) that maps daily market prices of individual stocks, ETFs, investment trusts, cryptocurrencies, and J-Credit carbon credits onto loyalty points, enabling users to experience stock-market investment with everyday loyalty points rather than cash. Founded on 2016-09-12 in Tokyo, the company holds business-method patents in Japan (November 2016), the United States (2016), and Taiwan (September 2024). Its product portfolio spans the flagship StockPoint consumer app, the StockPoint Wallet aggregator, white-label deployments with Daiwa Connect Securities (StockPoint for CONNECT, since 2020), MUFG Bank (STOCKPOINT for MUFG, since 2021, 270K+ users), CHEER Securities, and Kyoto Shinkin Bank (京信ポイントBANK, since 2025-03-05), the B2B ココカブ (Cocokabu) point-shareholder program (used by Menicon and others), the STOCK POINT Portal gift-code platform (since 2025-05-16), the Triple Edge 3x leveraged feature, and the Aisare Kigyo Search community site.

The company's monetization operates on a hybrid model: consumer apps are free, with revenue generated through (i) advertising mediation across 15+ ad networks on StockPoint for CONNECT, (ii) usage-based operating fees on Triple Edge leveraged positions (0.1%/day), (iii) B2B licensing of the patented point-issuance platform to corporations and financial institutions (including a technology license to Rakuten Group), and (iv) managed services for corporate point-issuance programs via ココカブ and ポイントでビジネス. Onboarding is frictionless through integration with 7+ common-point platforms (ドットマネー with 25M+ users, モッピー with 12M+ users, Ponta, 永久不滅ポイント, Oki Doki, J-POINT, MI points, ラブリィポイント). Public pricing is not disclosed; enterprise contracts are quote-based. Customer concentration tilts toward mega-bank and securities-firm anchor relationships (MUFG group, Daiwa Connect Securities, CHEER Securities), with a long-tail consumer base exceeding 1.2 million cumulative users across StockPoint services as of December 2024.

The company became a subsidiary of GMO Product Platform Inc. (a GMO Internet Group operating company) on 2025-12-26 and was renamed GMO STOCK POINT Inc. effective 2026-02-01, with headquarters relocated to Cerulean Tower, Shibuya, Tokyo. Capital stock stands at ¥100 million. The company maintains Privacy Mark certification (JIPDEC, since 2017-10-04), targets the Japanese point-service market (¥2.78 trillion in 2024, projected ¥3.63 trillion by 2028 per Yano Research Institute), and is pursuing international expansion via Taiwan FinTechSpace membership effective 2025-01-01.

Name

STOCK POINT

Legal name

GMO STOCK POINT株式会社

Website

https://stockpoint.co.jp

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

101–250 employees

Short description

GMO STOCK POINT operates a patented stock-price-linked point management platform that lets Japanese consumers simulate investing with loyalty points and convert them to real securities via partner brokers, while licensing the underlying technology to financial institutions and corporations.

Ownership category

akta.pro rank

Product category

Point-Investment & Loyalty Technology Platform

NAICS

Investment Banking and Securities Intermediation (523150), Securities, Commodity Contracts, and Other Financial Investments and Related Activities (523)

SIC

Security Brokers, Dealers & Flotation Companies (6211), Investment Advice (6282)

akta.pro primary industry

Digital Brokerage & Self-Directed Investing Platforms (FSAGAEAC)

akta.pro secondary industries

Tokenized Securities & Capital Markets Infrastructure (equities, bonds, funds, ATS/MTF connectivity) (FSAPAIAD), Business-for-Sale Marketplaces & Listing Platforms (FSAEAIAK)

Keywords

• Stock-linked point services
• Point investment apps
• Loyalty point platforms
• Virtual investment experiences
• Point shareholder programs

Headquarters

HQ city

Tokyo

HQ country

Japan

HQ region

Asia

Offices5 records

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Infrastructure, Operations

Revenue model

1. Stock-linked point operating system licensing (B2B SaaS / platform): Company licenses its patented '株価連動型ポイント運用システム' to corporate clients (e.g., community banks, securities firms, retailers) and provides point issuance system, app development, and ongoing operation. The 京都信用金庫京信ポイントBANK press release describes this as a comprehensive co-developed solution including ためる/つかう/ふやす functionality.
2. Corporate B2B services (ポイントでビジネス / ココカブ): Provides point issuance system provision, point investment app development, marketing promotion using existing user base, and point linkage with point investment apps. ココカブ specifically enables corporates to issue house points linked to their own stock price to retain customers inside the brand — addressing IR activation and house-point utilization needs.
3. Freemium consumer app with point-issuance partnerships: Free consumer-facing StockPoint apps. Monetization flows through partnerships with common-point platforms (ドットマネー by CyberAgent, モッピー by Ceres, Ponta, 永久不滅ポイント from Credit Saison, Oki Doki from JCB, J-POINT, ラブリィポイント from JACCS, MI points from 三越伊勢丹) and partner securities firms, rather than direct consumer subscription fees.
4. Operating fee on leveraged products (Triple Edge / トリプルエッジ): On the Triple Edge (Bull/Bear 3x) product, an operating fee equivalent to 0.1% per day is deducted from the user's point balance — a usage-based / asset-based fee on the leveraged exposure.
5. Advertising revenue (app-embedded ad mediation): Disclosed external transmission policy shows 20+ advertising SDKs integrated into StockPoint for CONNECT (Google AdMob, AppLovin, Unity Ads, Meta FAN, LINE Ads Platform, Mintegral, Pangle, ironSource, Liftoff, Moloco, InMobi, Fyber, Chartboost, Mychips, Unity Offerwall) generating programmatic ad revenue.
6. STOCK POINTポータル gift-code platform (B2B2C): STOCK POINT ポータル enables enterprises that do not issue their own points to provide gift codes whose points track the issuing company's stock. The press release describes ongoing partnership with ギフトパッド and 三菱UFJ信託銀行 to deliver these points as e-gifts (e.g., for voting-rights exercise promotion). Revenue flows from these enterprise integrations.

Pricing tiers

Go-to-market motion1 record

Distribution channels10 records

Marketing channels14 records

Core offering

STOCK POINT develops and operates a patented "Stock Price-Linked Point Operating System" that maps everyday loyalty points to the daily market price of individual stocks, ETFs, investment trusts, cryptocurrencies (Bitcoin), and J-Credit carbon credits. It commercializes this technology through a portfolio of free consumer mobile apps that simulate investment with points and allow exchange to real listed shares via partner brokerages, and through B2B platforms (ポイントでビジネス, ココカブ, STOCK POINTポータル) that let corporations issue house points tied to their own stock price to convert customers into shareholders.

Differentiator

Problem solved

Functional benefit

Brands

• StockPoint: Primary consumer mobile application offering stock-price-linked point management for end users.
• StockPoint for CONNECT
• STOCKPOINT for MUFG
• StockPoint for CHEER証券
• StockPoint Wallet (ココカブ)
• 愛され企業さーち (aisarekigyo)
• 京信ポイントBANK

Products and services

• StockPoint Free smartphone app that lets anyone experience virtual (mock) investment using points linked to individual stock prices; no cash or brokerage account required. Approximately 170 tradable brands; users can exchange operated points for real stocks via SBI Securities account linkage.
• StockPoint for CONNECT Point-investment app offered in partnership with Daiwa Connect Securities (#1 by users among individual-stock-linked point-investment apps); 159 domestic stocks/ETFs available; operated points can be exchanged for real stocks from 1 share via Daiwa Connect Securities.
• STOCKPOINT for MUFG RPG-themed point-investment app designed for children and adults to learn asset formation while having fun; supports Japanese/U.S. stocks, ETFs, and bitcoin-linked points; operated points can be exchanged for real stocks via Daiwa Connect Securities. 270,000+ users as of October 2025 (4th anniversary).
• StockPoint for CHEER証券 Simplified point-investment app offering curated brands with Moppy point integration; operated points can be exchanged for real stocks from 500P (1P = 1 JPY) via CHEER Securities account linkage. Supports both Japanese and U.S. stocks/ETFs.
• StockPoint Wallet Single-account consumer app that consolidates login and management for all STOCK POINT services (StockPoint, SPM, SPC, SP CHEER, Cocokabu) and surfaces campaign/event information.
• ココカブ (Cocokabu) B2B service offering enterprises a 'point shareholder program' where their house points are linked to their own stock price, building customer loyalty and converting fans into shareholders organically. Suppresses point leakage outside the trade area.
• STOCK POINTポータル (STOCK POINT Portal) Web service that lets users input a gift code issued by a corporate sponsor to operate points linked to that company's stock price; operated points (including ETFs) can be exchanged from 500P for actual stocks via CHEER Securities. Enables companies without in-house points programs to participate.
• 京信ポイントBANK (Kyoshin Point BANK) Industry-first one-stop point management app co-developed with Kyoto Shinkin Bank (Community Bank Kyoshin) that lets users 'save/use/grow' points; includes mutual funds, crypto, and local-region stock-linked 'Regional Support Course' tied to local Kyoto firms (Kyocera, Shimadzu, Nintendo, Murata).
• 愛され企業さーち (Aisare Kigyo Search) User-driven content/community site that introduces beloved companies' products/services and CSR activities, supporting the 'support the company you love' ecosystem around StockPoint.

Quantifiable outcome

• STOCKPOINT for MUFG surpassed 270,000 cumulative users at its 4-year anniversary (2025-10-01)
• +6 more outcomes

Named customers17 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration39 records

Feature6 records

Partnerships

23 partnerships are on record, tiered core, flagship and minor.

• Keio Corporation / Keio Passport Club (京王電鉄株式会社 / 株式会社京王パスポートクラブ)coreStrategic or Co-development Partner · 8 January 2026Joint demonstration experiment (実証実験) running 2026-01-08 to 2026-05-31 under Keio's JISOU open-innovation program. Keio Point members can exchange 500 Keio Points for 550 Keio-stock-linked points via STOCK POINTポータル, plus Keio Railway stamp rally.
• Amazon.com, Inc. (AWS CloudFront)coreTechnology or Integration · 1 November 2025AWS CloudFront CDN used across all services for safe, reliable content delivery (per external transmission policy, last survey 2025-11).
• Gift Pad (株式会社ギフトパッド)coreStrategic or Co-development Partner · 16 May 2025STOCK POINT ポータル co-developed with Gift Pad to let enterprises issue gift codes whose points track the issuing company's stock. Also integrated into Mitsubishi UFJ Trust Bank's e-voting promotion e-gift service.
• Kyoto Shinkin Bank / Community Bank Kyoshin (京都信用金庫)flagshipStrategic or Co-development Partner · 5 March 2025Co-developed '京信ポイントBANK' (industry-first shinkin-bank ためる・つかう・ふやす app). Launched 2025-03-05. Includes regional-stock '地域応援コース' covering 4 Kyoto-listed companies (京セラ, 島津製作所, 任天堂, 村田製作所). Subsequent dotMoney linkage (2025-06-02).
• FinTechSpace (金融科技創新園區), TaiwanflagshipOthers · 1 January 2025Joined Taiwan's FSC-managed FinTechSpace innovation park on 2025-01-01 — first Japanese company in the 48-member cohort. Supports overseas expansion of the 'ポイント運用' concept into the Taiwanese loyalty market.
• CHEER Securities (CHEER証券株式会社)coreStrategic or Co-development Partner · 25 November 2024Co-developed 'StockPoint for CHEER証券' (renewed 2024-11-25 with Moppy integration and Japan-stock addition). Users can exchange points to real stocks from 500P (1P=1 yen). Integral to the STOCK POINTポータル gift-code flow launched 2025-05-16.
• Ceres / Moppy (株式会社セレス)coreChannel Partner/ Reseller/ Distributor · 25 November 2024Moppy points exchangeable to StockPoint for CHEER証券 'cash points' (1 Moppy = 1 cash point). Moppy has 12M+ users (per 2024-11-25 press release). Service start 2024-11-25 12:00.
• Daiwa Connect Securities — Orix Buffaloes sponsorshipminorGTM or Marketing Partner · 30 September 2024StockPoint for CONNECT 'Buffaloes Gacha' campaign tied to Orix Buffaloes × Daiwa Connect 'Connect Day' sponsor match (2024-07-01 to 2024-08-31).
• Matsui Securities (松井証券)minorChannel Partner/ Reseller/ Distributor · 1 July 2024Joint StockPoint Wallet campaign 2024-11-01 to 2025-02-28 offering ¥20,000 prize pool and Amazon gift cards for new Matsui account opening plus trading-returns ranking.
• Rakuten (楽天グループ) — 'ポイント楽天株' initiativecoreOEM/ Whitelabel/ Licensing Partner · 5 March 2024STOCK POINT provided its '株価連動型ポイント運用システム' to Rakuten's 'ポイント楽天株' offering (2024-03-05 press release). Technology / IP licensing to a major internet conglomerate.
• Aizawa Securities (アイザワ証券)minorChannel Partner/ Reseller/ Distributor · 11 January 2024Joint campaign to experience Asian-stock-index point investment. Citing from 2024-01-11 press release.
• Menicon (株式会社メニコン)coreOEM/ Whitelabel/ Licensing Partner · 15 November 2023Adopted ココカブ for house-points tied to Menicon's stock price; also runs a StockPoint Wallet 'MENICOiN' / 'メニコンココカブ' campaign (referenced 2024-08-08).
• JACCS (ジャックス)minorChannel Partner/ Reseller/ Distributor · 16 February 2023Linked JACCS 'ラブリィポイント' to StockPoint (2023-02-16 press release).
• JCB Co., Ltd.minorChannel Partner/ Reseller/ Distributor · 16 December 2021JCB 'Oki Dokiポイント' exchangeable to StockPoint (announced 2021-12-16). J-POINT also enabled via JCB.
• Mitsubishi UFJ Nicos (三菱UFJニコス)minorChannel Partner/ Reseller/ Distributor · 6 December 2021Added StockPoint to MUFG Card and other MUFG-card point-exchange catalogs (2021-12-06 press release).
• SBI Securities (SBI証券)coreChannel Partner/ Reseller/ Distributor · 1 October 2021StockPoint users exchange accumulated points for real listed shares via SBI Securities accounts; ongoing account-opening campaigns (2021-09-01). Provides a channel for step-up from simulated to real investing.
• MUFG Bank / Mitsubishi UFJ Financial Group (三菱UFJ銀行)flagshipStrategic or Co-development Partner · 2 July 2021Co-developed and operates 'STOCKPOINT for MUFG', an RPG-themed point-investment app launched 2021-10-01 (4-year anniversary 2025-10-01, 270,000+ users). Joint financial-education events with MUFG Bank (2022 summer parent-child events, 2023 local-city events, 2025 junior-high corporate visits). Integration with MUFG 'Money Canvas' for step-up to real investing.
• Sumitomo Mitsui Trust Asset Management (三井住友トラスト・アセットマネジメント)minorStrategic or Co-development Partner · 21 August 2020Joint demonstration experiment started 2020-08-21.
• Daiwa Connect Securities (大和コネクト証券株式会社)flagshipStrategic or Co-development Partner · 25 May 2020Co-developed and co-markets 'StockPoint for CONNECT', launched 2020-07-01 with the world's first 'point-that-becomes-a-stock' mechanism allowing users to exchange accumulated points for real listed shares via Daiwa Connect accounts. Celebrated 5-year anniversary 2025-07-01 with Cinnamoroll collaboration.
• MI Card / Mitsukoshi Isetan Group (株式会社エムアイカード / 三越伊勢丹グループ)minorChannel Partner/ Reseller/ Distributor · 9 September 2019Point-exchange service enabling MI points to be exchanged to StockPoint (announced 2019-09-09). Distribution channel for Isetan Mitsukoshi group's cardholder base.
• MUFG Accelerator Program (三菱UFJアクセラレータプログラム)minorOthers · 17 April 2019STOCK POINT selected as one of MUFG Accelerator Program 4th-cohort innovators (2019-04-17).
• Ponta (ロイヤリティ マーケティング / Loyalty Marketing, Inc.)minorChannel Partner/ Reseller/ Distributor · 9 April 2019Pontaポイント運用 by StockPoint service launched 2019-04-09 with 9 initial brands. Subsequent Ponta linkage to STOCKPOINT for MUFG (Ponta charge campaigns, e.g., 2024-09-30 3rd anniversary).
• Dot Money (.money) by CyberAgent (株式会社サイバーエージェント)coreChannel Partner/ Reseller/ Distributor · 20 November 2017Dot Money points exchangeable to/from StockPoint since 2017-11-20. Subsequent integrations: StockPoint for CONNECT (2020-07), StockPoint for CHEER証券 (2025-04-21, 25M+ dot-money users reached), 京信ポイントBANK (2025-06-02). Enables 25M+ user acquisition channel.

Scale indicators17 records

Recent moves7 records

Expansion highlights7 records

Direct peers

• Rakuten Securities (Rakuten Group): Operates Rakuten Point-linked investment products and has licensed GMO STOCK POINT's patented system for its 'Point Rakuten Kabu' offering. Directly comparable as a Japanese securities + loyalty-integrated investment platform with overlapping consumer base.
• Daiwa Connect Securities (Daiwa Securities Group): Co-develops StockPoint for CONNECT (5-year anniversary 2025-07-01) and is the conversion destination for point-to-real-share exchanges; comparable as an online broker with embedded point-investment onboarding.

Broad incumbents

• Money Forward, Inc. Largest Japanese personal-finance SaaS platform serving both consumers (Money Forward ME) and enterprises; provides financial-data aggregation, investment tools, and asset-formation services that overlap with GMO STOCK POINT's investment-education and B2B SaaS motions.
• WealthNavi Inc. Japan's leading robo-advisor focused on entry-level investors; comparable in onboarding beginners into investment products through a digital-first experience and an asset-management fee model.
• SBI Securities (SBI Holdings): Japan's largest online broker; already a StockPoint channel partner for point-to-stock conversions, but its scale and full-stack securities platform make it a broad incumbent with overlapping retail-investor acquisition motion.
• T-Point / V Point (SMBC × CCC / KDDI): Major Japanese loyalty point platforms (T-Point and V Point post-2024 merger); comparable in operating large-scale loyalty point infrastructure but do not yet offer stock-price-linked point investment.
• Ponta (Loyalty Marketing, Inc.): One of Japan's largest common-point platforms (100M+ members); already integrated with GMO STOCK POINT via Ponta linkage but operates its own loyalty ecosystem that competes for corporate marketing budgets.

Emerging players

• Finbee (Soken, Inc.): Japanese fintech providing simulated investment and asset-formation education apps (Finbee, Mirai Money); comparable as an emerging player in the point/investment-simulation category targeting younger users.
• Moppy / Ceres, Inc. Operates the Moppy common-point platform (12M+ users) and is integrated into StockPoint for CHEER Securities; comparable as an emerging player in common-point exchange and adjacent fintech (one of the largest standalone point-exchange networks).
• Revolut Ltd. Global consumer fintech app with trading, savings, and loyalty rewards; thematically comparable to GMO STOCK POINT as a multi-asset consumer app onboarding users from payments/loyalty into investment products.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/stock_point
• YouTubeyoutube.com/channel/UCWO-7mHSBHkY8XQHnR4xLlw/videos
• Facebookfacebook.com/STOCKPOINT.INC
• Instagraminstagram.com/stock_point_official

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds2 records

Investors2 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about STOCK POINT