Fintertech
Fintertech is a Tokyo-based fintech joint venture between Daiwa Securities Group (80%) and Credit Saison (20%) offering cryptocurrency-backed loans, ETH staking, lending-type crowdfunding, and real estate investment loans to crypto holders, HNW investors, and crowdfunding participants in Japan.
- Company typePrivate
- Founded2018
- HeadquartersTokyo, Japan
- Headcount—
- GTM typeB2B and B2C
- OfferingServices
What Fintertech does
Fintertech株式会社 (Fintertech) is a Tokyo-based fintech joint venture established on April 2, 2018, by Daiwa Securities Group (80%) and Credit Saison (20%), operating as the parents' strategic "outpost" (出島) for next-generation financial services. With 24.1 billion yen in paid-in capital, the firm is registered as a Type II Financial Instruments Business Operator and Money Lending Business Operator, and is a member of the Japan Virtual and Crypto Assets Exchange Association (JCBA). Its product portfolio spans four main verticals: (1) the Digital Asset Backed Loan ("dabl") — Japan's first cryptocurrency-collateralized JPY loan service supporting BTC and ETH at 50% LTV with 4.0-8.0% interest and 5M-500M yen tickets; (2) Digital Asset Stake — an ETH lending/consumption-loan service generating monthly staking returns with an optional JPY fee receipt; (3) Funvest — a lending-type crowdfunding platform linking investors to domestic and international borrowers via curated funds; and (4) Real Estate Investment Prime Loan (REIL) — a custom-tailored investment-property loan (up to 100% financing) for high-net-worth individuals and asset management companies, sold through Daiwa Securities relationships. Sub-products include KASSAI (a cloud tipping/donation SaaS for creators, sports teams, and charities), NFT Cocoon (NFT receipt tool), and KOTO (an AI-powered inquiry operator for KASSAI, built with Pictoria and PocketRD). Underlying technology centers on blockchain/DLT infrastructure for digital asset custody, lending, and security tokenization, with an integration exploration into Ginco's wallet and a PoC with Daiwa and Ginco on public-chain security tokens (March 2024).
The business model combines balance-sheet lending economics with fee-based and platform revenues. Interest spread on the loan book (crypto and real estate) is the primary economic engine, supplemented by staking yield margin (Fintertech borrows ETH and stakes it), Funvest operator compensation as a percentage of invested amounts, and transaction fees on KASSAI tipping volumes. Pricing varies by product: crypto-backed loans are interest-only annual subscriptions at 4.0-8.0%, real estate prime loans priced at long-term prime rate +1.00-2.00% with a 1.65-2.75% upfront fee, staking is usage-based with monthly payout at variable rates, and Funvest operates on a fund-management fee model. Distribution runs through two complementary motions: a hybrid sales-led channel leveraging Daiwa Securities' nationwide branch network (activated for crypto-backed loans in October 2025) for enterprise and HNW segments, and self-serve product-led web platforms (dabl.fintertech.jp, staking.fintertech.jp, ftt-funvest.jp) for individual investors and SMBs. Customer concentration spans institutional borrowers (e.g., Trade & Development Bank of Mongolia via Funvest, Elplus Inc., NOT A HOTEL), HNW real-estate investors, and a long tail of crypto holders and crowdfund investors. Leadership transitioned in April 2023 from founding President Takeda Makoto to Aihara Kazuya, formerly head of the Digital Asset Group, reflecting a strategic emphasis on digital-asset product expansion.
Fintertech firmographics
Firmographics- Name
- Fintertech
- Legal name
- Fintertech株式会社
- Website
- https://fintertech.jp
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Short description
- Fintertech is a Tokyo-based fintech joint venture between Daiwa Securities Group (80%) and Credit Saison (20%) offering cryptocurrency-backed loans, ETH staking, lending-type crowdfunding, and real estate investment loans to crypto holders, HNW investors, and crowdfunding participants in Japan.
- Ownership category
- akta.pro rank
Fintertech industry classification
Industry- Product category
- Digital Lending & Fintech Services
- NAICS
- Funds, Trusts, and Other Financial Vehicles (525)
- SIC
- Personal Credit Institutions (6141), Security & Commodity Brokers, Dealers, Exchanges & Services (6200)
- akta.pro primary industry
- Crypto-Backed Business / SME Loans (Secured) (FSADAFAH)
- akta.pro secondary industry
- Tokenization, Network Vaults & Credential Management (FSAGABAF)
Keywords
Where Fintertech is headquartered
LocationHeadquarters
- HQ city
- Tokyo
- HQ country
- Japan
- HQ region
- Asia
Offices1 record
Markets served
Fintertech business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Cryptocurrency-backed Loan Interest: Interest income from digital asset secured loans. Borrowers pay interest rates of 4.0-8.0% (actual annual rate) on cryptocurrency-collateralized loans. Loan amounts range from 500万 yen to 5億 yen.
- Crypto Asset Staking Fees: Revenue from cryptocurrency lending (consumption lending) services where Fintertech acts as borrower, earning staking rewards and passing through returns to lenders minus a margin.
- Real Estate Investment Loans: Interest income from real estate investment loans with rates linked to long-term prime rate +1.00-2.00%. Loan amounts from 5,000万 yen to 10億 yen per property.
- Lending-type Crowdfunding (Funvest): Operator receives a certain percentage of investment amount as operator compensation from fund returns. Provides investment opportunities in domestic and international finance.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Business Digital Asset Secured Loan: 4.0-8.0% interest rate |
| Subscription | Annual | Individual Digital Asset Secured Loan: 4.0-8.0% interest rate |
| Usage-based | Monthly | Digital Asset Staking (ETH): Variable monthly rate |
| Subscription | Monthly | Real Estate Investment Prime Loan: Long-term prime rate +1.00-2.00% |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels6 records
Fintertech product offering
Product offeringCore offering
Fintertech provides digital-asset and blockchain-based financial services, including cryptocurrency-collateralized fiat loans (Bitcoin and Ethereum), Ethereum staking lending services, lending-type crowdfunding, real estate investment loans, and a cloud-based tipping platform. The company combines traditional finance expertise from Daiwa Securities Group and Credit Saison with blockchain technology to offer innovative financial products for both individual consumers and businesses, primarily serving the Japanese market.
Product overview
Fintertech operates a multi-product fintech platform under its parent companies Daiwa Securities Group (80%) and Credite Saison (20%). Its product portfolio spans four core areas: (1) Digital Asset Backed Loan — cryptocurrency-collateralized loans in JPY without selling crypto assets, for both businesses and individuals, including specialized variants for NOT A HOTEL/NOT A GARAGE property purchasers and real estate; (2) Digital Asset Stake (Consumable Loan) — Ethereum lending service where customers earn monthly fees with optional JPY receipt; (3) Funvest — lending-type crowdfunding connecting investors with domestic and international borrowers for mid-risk/mid-return funds; (4) Real Estate Investment Prime Loan — custom investment property loans. Additional services include KASSAI (tipping SaaS), NFT management tools (NFT reception service and NFT Cocoon), and KOTO (AI inquiry operator for KASSAI).
Differentiator
Problem solved
Functional benefit
Products and services
- Digital Asset Backed Loan (dabl) Cryptocurrency-backed loan service allowing borrowers to raise Japanese yen using Bitcoin (BTC) or Ethereum (ETH) as collateral without selling their crypto assets. Available for both business operators and individuals, with loan amounts from ¥5 million to ¥500 million at 4.0-8.0% actual annual rate and 50% LTV. No monthly repayment required; processing in 3 business days.
- Digital Asset Stake (Consumable Loan) Cryptocurrency lending (consumable loan) service enabling customers to lend their Ethereum (ETH) holdings to Fintertech to earn monthly lending fees from staking operations. Minimum lending of 10 ETH; JPY fee receipt option available at 100 ETH minimum. Reward rates updated monthly; return fee of 0.005 ETH per withdrawal.
- Funvest (Lending-Type Crowdfunding) Lending-type crowdfunding service where investors provide funds to operators who lend to domestic and international borrowers, with returns sourced from interest income. Offers curated funds targeting real estate finance, international microfinance (e.g., Trade & Development Bank of Mongolia SDG financing), and domestic business financing. Corporate investor registration opened March 2023.
- Real Estate Investment Prime Loan (REIL) Custom-tailored real estate investment loan for individuals and asset management companies, financing the acquisition of residential investment properties with the property as collateral. Offers up to 100% financing (full loan), loan amounts from ¥50 million to ¥1 billion per property, variable rates linked to long-term prime rate +1.00-2.00%, processing fee 1.65-2.75%, and repayment periods up to 35 years. Targeted at clients with ongoing Daiwa Securities relationships.
- KASSAI Cloud-based tip/streaming donation service enabling anyone to create a tipping site via templates without programming knowledge. Targets creators, artists, sports teams, charities, and event organizers to receive fan support, with optional reward items. Estimated domestic potential market size of approximately ¥310.6 billion.
- NFT Cocoon (NFT Management Service) NFT management service enabling anyone to easily receive NFTs, developed to promote Web3 mass adoption. Used in conjunction with crowdfunding project support initiatives.
Quantifiable outcome
- Processing time of 3 business days from contract signing to loan disbursement
- +2 more outcomes
Companies that use Fintertech
Customer profileNamed customers4 records
Segments5 records
Ideal customer profiles6 records
Fintertech technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
Feature6 records
Fintertech partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core, minor and strategic.
- 大和証券株式会社 (Daiwa Securities Co., Ltd.)coreDaiwa Securities branches nationwide began promoting and referring customers for Fintertech's cryptocurrency-backed loan services from October 2025.
- エムアイカード株式会社 (MI Card Co., Ltd.)minorNew crowdfunding service launched jointly with MI Card, Credit Saison group company, expanding crowdfunding offerings.
- 株式会社Ginco (Ginco Inc.)strategicJoint Proof of Concept for security token issuance and platform development on public blockchain. Japan's first initiative exploring security tokens on public chains.
- 株式会社Kudasai (Kudasai Inc.)minorBusiness partnership for cryptocurrency-related services. Includes joint campaigns and service collaboration for NFT and crypto enthusiasts.
- NOT A HOTEL株式会社 (NOT A HOTEL Inc.)strategicJoint development of digital asset-backed loans for NOT A HOTEL property share purchasers. Specialized loan product for real estate co-ownership using cryptocurrency as collateral.
- 株式会社Ginco (Ginco Inc.)strategicGinco is a cryptocurrency wallet provider. Fintertech began exploring integration of its Digital Asset Secured Loan with Ginco Wallet to enable users to access digital financial services directly from the wallet app.
- JPX（日本取引所グループ）(Japan Exchange Group)coreFintertech participated in Phase 2 of JPX's blockchain/DLT application study for securities post-trade operations. Joint project with 26 companies including securities firms, asset managers, and service providers.
- XTech株式会社 (XTech Co., Ltd.)minorXTech established equity crowdfunding platform 'ecloud' and Fintertech invested in the venture to expand into equity crowdfunding market.
Scale indicators3 records
Recent moves7 records
Expansion highlights6 records
Fintertech competitors and assessment
Company assessmentDirect peers
- Nexo: Nexo is a global crypto-backed lending platform offering fiat loans secured by BTC, ETH, and other digital assets, plus crypto yield products. Direct peer to Fintertech's dabl and Digital Asset Stake services, with comparable business model of using crypto as collateral for fiat or yield generation.
- Ledn: Ledn offers Bitcoin and Ethereum-backed loans globally with a regulated, transparent lending model. Direct peer to Fintertech's Digital Asset Backed Loan with similar collateral mechanics, conservative LTV ratios, and focus on retail and business crypto holders seeking fiat liquidity.
- CoinLoan: CoinLoan provides crypto-backed lending and crypto interest accounts with multi-collateral support. Comparable to Fintertech's dabl (collateralized fiat loans) and Digital Asset Stake (crypto lending) product suite.
- Unchained Capital: Unchained Capital specializes in Bitcoin-collateralized loans with a focus on security and self-custody. Comparable to Fintertech's dabl product on the BTC-collateralized loan side, though Unchained targets US clients.
- Crowdcredit: Crowdcredit operates a Japanese lending-type crowdfunding platform focused on international (especially European) consumer and SME loans. Direct peer to Fintertech's Funvest service with comparable cross-border lending-crowdfunding model.
Broad incumbents
- bitFlyer: bitFlyer is Japan's largest cryptocurrency exchange by trading volume, offering a bitFlyer Lending yield product. While not a direct crypto-backed lender to fiat, it is a broad incumbent in Japanese crypto with overlapping customer base and potential to enter dabl's product category.
- Coincheck: Coincheck (Monex Group) is a major Japanese crypto exchange offering staking/lending-like products on customer holdings. Broad incumbent in Japanese crypto with overlapping customer base that could expand into crypto-collateralized lending.
- Money Forward: Money Forward is a leading Japanese personal financial management and SaaS fintech platform. Broad incumbent offering financial wellness tools to consumers and businesses; adjacent to Fintertech's fintech proposition though with a different core focus.
Regional players
- J.Score: J.Score is a SoftBank-backed AI-driven consumer lending fintech operating in Japan. Comparable to Fintertech's lending business as a Japanese alternative-data/fintech lender, though focused on personal credit scoring rather than crypto-collateralized lending.
Others
- PocketRD: PocketRD is a Japanese AI/technology firm that co-developed the KOTO AI operator with Fintertech for the KASSAI tipping service. Ecosystem partner rather than competitor; comparable as a Japanese AI technology provider enabling Fintertech's product roadmap.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
Fintertech social profiles
Digital presenceFintertech compliance and trust
Trust signalCompliance4 records
Fintertech financial estimates
Financial estimateRevenue estimate
Valuation estimate
Fintertech leadership team
Management profileNumber of profiles
Profiles9 records
Fintertech funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Fintertech M&A and investment
M&A and investmentM&A
Investments1 record
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Fintertech
What does Fintertech do?
Fintertech provides digital-asset and blockchain-based financial services, including cryptocurrency-collateralized fiat loans (Bitcoin and Ethereum), Ethereum staking lending services, lending-type crowdfunding, real estate investment loans, and a cloud-based tipping platform. The company combines traditional finance expertise from Daiwa Securities Group and Credit Saison with blockchain technology to offer innovative financial products for both individual consumers and businesses, primarily serving the Japanese market.
Is Fintertech a public or private company?
Fintertech is a private company. It is classified as corporate owned and is currently operating.
When was Fintertech founded?
Fintertech was founded in 2018.
Where is Fintertech based?
Fintertech is headquartered in Tokyo, Japan, in the Asia region.
How does Fintertech make money?
Four revenue lines are on record. Cryptocurrency-backed Loan Interest is the primary driver. The others are crypto Asset Staking Fees, real Estate Investment Loans and lending-type Crowdfunding (Funvest).
Who are Fintertech's main competitors?
Direct peers on record are Nexo, Ledn, CoinLoan, Unchained Capital and Crowdcredit. Broad incumbents are bitFlyer, Coincheck and Money Forward. J.Score is listed as a regional player. PocketRD is listed as an others.
Does Fintertech have an API?
No public API is recorded for Fintertech.
What industry is Fintertech in?
Fintertech's product category is Digital Lending & Fintech Services. Its primary akta.pro industry code is FSADAFAH, Crypto-Backed Business / SME Loans (Secured), with a secondary code of FSAGABAF, Tokenization, Network Vaults & Credential Management. Its NAICS code is 525 and its SIC code is 6141.