Kort Valuta
Kort Valuta is a Tokyo-based fintech/healthtech company that operates the TwooCa platform — an integrated digital employee ID, Visa payment, health monitoring, and customizable point-incentive system sold to mid-to-large Japanese enterprises, extended by the TwooCa Ring smart ring with contactless payment and wellness tracking.
- Company typePrivate
- Founded2014
- HeadquartersShibuya, Japan
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Kort Valuta does
Kort Valuta is a privately held Japanese fintech/healthtech company, headquartered in Shibuya, Tokyo, that operates an integrated employee identity and payment platform branded TwooCa. The company was established in August 2014 as RBAJ (Ripple Business Associate of Japan) and took its current name in October 2015; it holds registered Prepaid Payment Instruments Issuer (No. 00743) and Funds Transfer Service Provider (No. 00096) status, plus PCI DSS v4.0.1 and ISO/IEC 27001:2022 certifications.
The core product is TwooCa, a digital employee/member ID platform that combines international brand card payment functionality (Visa contactless), customizable point-based incentive programs, attendance and access management, and health data integration within a single application. The flagship hardware extension is the TwooCa Ring, marketed as the world's first smart ring with both Visa contactless payment and health monitoring (heart rate, sleep, body temperature, steps), paired with an AI Concierge. Complementary modules include TwooCa Cafeteria Payment for corporate meal benefits digitization, TwooCa Mental Check Service for voice-analyzed wellness monitoring, and TwooCa Mall for internal commerce. Underpinning the product family is a proprietary IDTech scoring system that combines payment and health data through AI algorithms intended to generate digital credit signals.
The company sells into mid-to-large Japanese enterprises through direct field sales, inside sales for inbound inquiries, and event-driven GTM via regional seminars co-hosted with social insurance labor offices. Revenue derives from SaaS subscriptions (priced per company size and module selection, annual billing), transaction processing fees, hardware sales of the TwooCa Ring, and professional services for implementation. Customer base spans healthcare (Meikeikai Hospital, OSBS), logistics (Kantsu Holdings), transportation (Yashima Motor), agriculture (Agritrio), retail/service (Terra Co.), and consulting (Brain Supply, Kurojiya), with over 100 companies engaged in wellness initiatives and a 5,200+ member deployment through the FEDA association partnership. Visa network acceptance provides global point-of-use despite a Japan-domiciled operating geography.
Kort Valuta firmographics
Firmographics- Name
- Kort Valuta
- Legal name
- 株式会社 Kort Valuta
- Website
- https://kortvaluta.com
- Company type
- Private
- Founded year
- 2014
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Kort Valuta is a Tokyo-based fintech/healthtech company that operates the TwooCa platform — an integrated digital employee ID, Visa payment, health monitoring, and customizable point-incentive system sold to mid-to-large Japanese enterprises, extended by the TwooCa Ring smart ring with contactless payment and wellness tracking.
- Ownership category
- akta.pro rank
Kort Valuta industry classification
Industry- Product category
- Employee Benefits & Workplace FinTech Platform
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB)
- akta.pro secondary industries
- Open-Loop Prepaid Cards (Network-Branded) (FSAMANAA), Multi-Currency Accounts, Wallets & IBAN Services (FSAMAIAG)
Keywords
Where Kort Valuta is headquartered
LocationHeadquarters
- HQ city
- Shibuya
- HQ country
- Japan
- HQ region
- Asia
Offices1 record
Markets served
Kort Valuta business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- SaaS Platform Subscription: Subscription-based access to TwooCa platform features including digital ID, payment processing, health data integration, and administrative dashboard. Pricing based on company size and feature modules selected.
- Transaction Processing Fees: Fees collected on payment transactions processed through the TwooCa platform and associated merchant networks.
- Hardware Sales - TwooCa Ring: Sales of the proprietary TwooCa Ring wearable device with payment and health monitoring capabilities.
- Professional Services: Implementation support, customization, and consulting services for enterprise deployments.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Enterprise platform with full feature access |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels6 records
Kort Valuta product offering
Product offeringCore offering
Kort Valuta provides the TwooCa integrated IDTech platform, combining a digital employee/member wallet with Visa-compatible payment functionality, customizable point-based incentive programs, attendance tracking, and health monitoring, targeted at mid-to-large enterprises. The platform is anchored by the TwooCa Ring, the world's first smart ring with both Visa contactless payment and health data capture (heart rate, sleep, body temperature, steps), and is supplemented by add-on modules including TwooCa Cafeteria Payment, TwooCa Mental Check Service, and TwooCa Mall. The company is a registered Prepaid Payment Instruments Issuer and Funds Transfer Service provider in Japan.
Product overview
Kort Valuta operates as a unified enterprise platform built around its core IDTech strategy, combining FinTech payment services with HealthTech health monitoring into a single integrated ecosystem. The flagship product TwooCa serves as the central digital wallet and employee/member ID application, providing international brand card payments, customizable point incentive programs, and health management features. Complementary to the app, the TwooCa Ring extends the platform as a wearable device with built-in payment and vital sign tracking. Additional service modules include TwooCa Cafeteria Payment for corporate meal benefit digitization, TwooCa Mental Check Service for voice-analyzed wellness monitoring, and TwooCa Mall for internal commerce. Underpinning the entire product family is a proprietary scoring system that processes purchasing and health data through AI-powered algorithms to generate digital credit and new forms of trust creation.
Differentiator
Problem solved
Functional benefit
Products and services
- TwooCa TwooCa is a next-generation digital wallet and employee/member ID platform for enterprises that integrates digital employee ID cards with international brand card (Visa) payment functionality, customizable point-based incentive programs, health data management, and internal communication tools into a single unified application.
- TwooCa Ring TwooCa Ring is the world's first smart ring equipped with both Visa contactless payment functionality and comprehensive health monitoring capabilities (heart rate, sleep, body temperature, steps), paired with AI Concierge functionality for personalized user guidance.
- TwooCa Cafeteria Payment TwooCa Cafeteria Payment is a digital cafeteria payment module within the TwooCa platform that digitizes corporate cafeteria operations, replacing cash and meal ticket systems with contactless card payments, enabling real-time usage data visibility, accounting efficiency, and operational cost reduction.
- TwooCa Mental Check Service TwooCa Mental Check Service is a voice analysis-based mental wellness assessment service integrated into the TwooCa platform. Employees complete regular voice-based mental health check-ins, with results visualized for self-care and organizational well-being management, incentivized through point rewards redeemable for electronic money.
- TwooCa Mall TwooCa Mall is an internal marketplace feature within the TwooCa platform enabling companies to offer exclusive products and services to employees, and for partner companies to provide discounted goods, supporting internal commerce and expanded employee benefits.
- Meal Support Card Meal Support Card is a prepaid payment card for children from households in need, supporting international brand card payments to expand accessibility beyond Kodomo Gochimeshi member stores to any restaurant accepting international brand cards.
Quantifiable outcome
- Reduced monthly missed time punches from ~100 to near zero at Kantsu Holdings (logistics company with ~1,000 employees)
- +2 more outcomes
Companies that use Kort Valuta
Customer profileNamed customers10 records
Segments5 records
Ideal customer profiles4 records
Kort Valuta technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
AI capability6 records
Feature5 records
Kort Valuta partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core and minor.
- Legato Labor and Social Security Attorney CorporationcoreCo-hosting regional business seminars on well-being management and digital payroll for businesses in Hakuba, Otari, and Aichi Prefecture.
- An-field (社会保険労務士法人レガート)coreSocial insurance labor consultant corporation co-hosting seminars on well-being management and digital salary era for companies in Aichi Prefecture.
- Siemple Co., Ltd.coreDigital crisis management solutions presenter at co-hosted seminars.
- Life Create Co., Ltd.coreFinancial consulting services presenter for SMEs at co-hosted seminars.
- NPO Kids Future PassportminorNon-profit organization collaborating on Meal Support Card demonstration experiment for children from households in need, utilizing JKA subsidies.
- Gigi Co., Ltd.minorCollaborating on Meal Support Card demonstration experiment for children from households in need.
Scale indicators4 records
Recent moves6 records
Expansion highlights6 records
Kort Valuta competitors and assessment
Company assessmentDirect peers
- Benefit One Inc. Japan's leading employee benefits platform operated by Benefit One (subsidiary of Dai-ichi Life). Directly comparable because it serves Japanese enterprises with digitized employee benefit and perk programs, addressing the same enterprise buyer (HR managers) with similar SaaS-style subscription pricing.
- SmartHR Inc. Major Japanese cloud HR and labor-management platform serving enterprise and SMB customers. Comparable because it addresses the same Japanese enterprise HR buyer with workforce data infrastructure, payroll integrations, and employee self-service applications, increasingly overlapping with benefits and payment functions.
- Money Forward, Inc. Japanese fintech platform offering cloud accounting, payroll, HR, and expense management for enterprises. Directly comparable because it bundles financial and HR workflows for Japanese enterprises, mirroring TwooCa's integration of payments, employee ID, and HR-adjacent data on a single platform.
Broad incumbents
- PayPay Corporation: Japan's largest mobile payment platform with 60M+ users, operated by PayPay Corporation (SoftBank/Z Holdings). Comparable as a Japanese payment giant with both consumer and corporate payment products; broader scope than Kort Valuta but increasingly competing in enterprise cashless and benefits use cases.
- Recruit Holdings Co., Ltd. Japanese HR tech and benefits conglomerate operating Indeed, Airレジ, and various employee benefit services. Comparable because it serves the same Japanese enterprise HR buyer through a portfolio of HR-adjacent SaaS, providing both direct competition and a benchmark for scale and product breadth.
Emerging players
- Oura Health Ltd. Smart ring maker focused on health and sleep tracking. Comparable on the wearable hardware dimension (smart ring form factor with health sensors), though without integrated payment functionality. If Oura adds payment features, it could become a more direct competitor to TwooCa Ring.
- Perkbox (Sodexo Engage): UK-based employee benefits, recognition, and wellbeing platform serving global enterprises. Comparable on the enterprise employee engagement and benefits SaaS model; less directly relevant to Japanese enterprise but represents a benchmark for product breadth in the employee engagement category.
- freee K.K. Japanese cloud accounting and HR/payroll SaaS provider targeting SMBs and mid-market. Comparable because it bundles financial and HR functionality for Japanese employers, addressing overlapping pain points around payroll, employee management, and benefits digitization that Kort Valuta targets.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks7 records
Key highlights7 records
Customer concentration
Kort Valuta social profiles
Digital presenceKort Valuta compliance and trust
Trust signalCompliance2 records
Kort Valuta financial estimates
Financial estimateRevenue estimate
Valuation estimate
Kort Valuta leadership team
Management profileNumber of profiles
Profiles5 records
Kort Valuta funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Kort Valuta 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 Kort Valuta
What does Kort Valuta do?
Kort Valuta provides the TwooCa integrated IDTech platform, combining a digital employee/member wallet with Visa-compatible payment functionality, customizable point-based incentive programs, attendance tracking, and health monitoring, targeted at mid-to-large enterprises. The platform is anchored by the TwooCa Ring, the world's first smart ring with both Visa contactless payment and health data capture (heart rate, sleep, body temperature, steps), and is supplemented by add-on modules including TwooCa Cafeteria Payment, TwooCa Mental Check Service, and TwooCa Mall. The company is a registered Prepaid Payment Instruments Issuer and Funds Transfer Service provider in Japan.
Is Kort Valuta a public or private company?
Kort Valuta is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Kort Valuta founded?
Kort Valuta was founded in 2014. It employs 11 to 50 people.
Where is Kort Valuta based?
Kort Valuta is headquartered in Shibuya, Japan, in the Asia region.
How does Kort Valuta make money?
Four revenue lines are on record. SaaS Platform Subscription is the primary driver. The others are transaction Processing Fees, hardware Sales - TwooCa Ring and professional Services.
Who are Kort Valuta's main competitors?
Direct peers on record are Benefit One Inc., SmartHR Inc. and Money Forward, Inc.. Broad incumbents are PayPay Corporation and Recruit Holdings Co., Ltd.. Emerging players are Oura Health Ltd., Perkbox (Sodexo Engage) and freee K.K..
Does Kort Valuta have an API?
No public API is recorded for Kort Valuta.
What industry is Kort Valuta in?
Kort Valuta's product category is Employee Benefits & Workplace FinTech Platform. Its primary akta.pro industry code is FSAGALAB, Embedded Payments (Pay-ins, Pay-outs, Wallets), with a secondary code of FSAMANAA, Open-Loop Prepaid Cards (Network-Branded). Its NAICS code is 522320 and its SIC code is 6199.