FPal

What FPal does

FPal (合同会社FPal) is a Tokyo-based financial education company founded in August 2020 that delivers curriculum under the brand Gトレ (G-Tore), a suite of gamified card and board games combined with reflection and lecture components for active-learning financial literacy. The product portfolio includes Money Poker (budgeting and savings), はらぺこオオカミ (compound interest and risk), 気まぐれLunch Time (diversification), ROLL OVER (investment product risk), THE オーナー (negotiation and business), Time & Money (career planning), and Life Plan Quest (RPG-style life planning), all structured around a proprietary WRL+D (Work-Reflection-Lecture + Digital Book) instructional cycle. Delivery is on-site by a network of certified Financial Planner facilitators, with an online Money Poker variant developed in partnership with Nippon Institute of Technology.

The company serves three customer segments — high schools and universities, corporate training departments, and financial institutions (banks, securities, insurance, real estate) — using a direct field-sales motion with trial sessions, LINE messaging, and segmented web inquiry forms. Pricing for corporate training is 80,000 yen (excluding tax) for a 3-hour single-game session with up to 8 participants and 150,000 yen for 9-32 participants. School implementations are frequently sponsored by financial institution partners, notably a 2023 partnership with Saison Investment that underwrites free Gトレ sessions at schools. Gトレ is also registered as an approved program under Tokyo, Saitama, and Kanagawa prefectural education frameworks, giving it preferred access to public school procurement.

FPal remains a small, founder-owned limited liability company (合同会社) with no disclosed external funding, subsidiaries, or acquisitions. It was founded by Sakata Takuya, a CFP®- and SME診断士-certified planner; the team includes fellow CFP®-credentialed facilitators such as Kurosu Kaori. Adoption has scaled from 170 participants in 2022-2023 to approximately 6,500 annually in 2024-2025, spanning Kanto, Hokkaido, and Kansai. The Gトレ curriculum received recognition in the Education category of the 2021 Gamification Awards Japan.

Name

FPal

Legal name

合同会社FPal

Website

https://fpal.jp

Company type

Private

Founded year

2020

Operating status

Operating

Short description

FPal (合同会社FPal) is a Tokyo-based financial education company founded in 2020 that delivers the Gトレ suite of gamified card- and board-game training programs to high schools, universities, corporations, and financial institutions across Japan, with sessions facilitated by certified Financial Planners.

Ownership category

akta.pro rank

Product category

Financial Education Training

NAICS

Educational Support Services (61171), Professional and Management Development Training (611430)

SIC

Services-Educational Services (8200)

akta.pro primary industry

Financial Education & Coaching (Digital Programs, Tools) (FSAGADAH)

akta.pro secondary industries

Personal Finance & Financial Literacy for Students (EDAMAIAH), Budgeting & Cash-Flow Management (EDAAAJAA), Financial Data, Analytics & FinTech Tools (BI, ERP, Automation) (EDABAJAM)

Keywords

• Gamified financial education
• Active learning training
• Card game workshops
• Financial literacy programs
• Corporate training services

Headquarters

HQ city

Toshima

HQ country

Japan

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Training Session Fees: FPal generates revenue by delivering gamified financial education training sessions at schools, companies, and financial institutions. Sessions are priced based on duration, number of participants, and number of game types. Training is conducted by certified facilitators.
2. School Program Partnerships: Through partnerships with financial institutions (like セゾン投信), certain school programs are offered free of charge to schools, with the financial institution sponsoring the program costs.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels7 records

Core offering

FPal designs and delivers G-Tore (Gトレ), a suite of gamified card-game based financial education training programs for schools, companies, and financial institutions across Japan. Sessions combine gameplay with reflection and expert Financial Planner-led lectures using the WRL+D methodology (Work-Reflection-Lecture + Digital Book) to teach money management, investing, and life planning. Certified Financial Planner facilitators deliver on-site training sessions tailored to students, employees, and financial institution clients.

Product overview

FPal operates a suite of gamified financial education products under the Gトレ (G-Tore) brand. The portfolio includes card and board games targeting different financial literacy areas: Money Poker teaches savings and expense management; はらぺこオオカミ covers compound interest and long-term investing; 気まぐれ Lunch Time focuses on diversification; ROLL OVER addresses financial product risk; Time & Money covers career and resource management; THE オーナー teaches business negotiation; and Life Plan Quest provides RPG-style life planning education. All products follow the WRL+D methodology (Work-Reflection-Lecture + Digital Book) combining gameplay, group discussion, expert explanation, and digital follow-up materials.

Differentiator

Problem solved

Functional benefit

Products and services

• G-Tore (Gトレ) Gamified Financial Education Training Active-learning gamified financial education training program delivered on-site by certified Financial Planner facilitators using the WRL+D methodology (Work-Reflection-Lecture + Digital Book). Designed for schools, companies, and financial institutions seeking engaging financial literacy training.
• Money Poker Online Online/digital version of the Money Poker budgeting and savings card game for classroom implementation, with reflection phases for ideal spending habits and admin management features.
• School Financial Education Programs Gamified financial education programs delivered on-site at high schools and universities across Japan, covering budgeting, compound interest, diversification, and investment product characteristics.
• Corporate Financial Education Training On-site gamified employee training programs covering financial literacy, investment product basics, defined-contribution pension education, communication, and negotiation skills.
• Financial Institution Seminar Programs Differentiated gamified financial education seminars for banks, securities companies, insurance companies, and real estate companies to attract and engage customers and clients.
• Certified Facilitator Program FPal recruits and certifies Financial Planner facilitators (認定ファシリテーター) and supporters (認定プランナー) to expand delivery capacity of G-Tore sessions nationwide across Japan.

Quantifiable outcome

• 100% of participants reported having learnings and insights in surveys at Tokyo Metropolitan Oji High School (2026)
• +3 more outcomes

Named customers9 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Six partnerships are on record, tiered core.

• Saison Investment Co., Ltd. (セゾン投信株式会社)coreStrategic or Co-development Partner · 1 January 2023Partnership with セゾン投信 enables FPal to offer Gトレ financial education sessions free of charge at schools. The financial institution sponsors school programs as part of their community financial literacy initiatives. This partnership has significantly expanded access to FPal's programs in schools.
• Tokyo Metropolitan Government - School Support ProgramscoreGTM or Marketing Partner · 1 January 2023FPal's Gトレ is registered as an approved program under Tokyo Metropolitan Government's 'Support Education Program for Metropolitan High School Students' (都立高校生の社会的・職業的自立支援教育プログラム事業), making it eligible for government support.
• Saitama Prefecture - Cross-border Exploration ProgramcoreGTM or Marketing Partner · 1 January 2023FPal's Gトレ is registered under Saitama Prefecture's '越境×探究！未来共創プロジェクト', enabling schools in Saitama to access FPal's financial education programs.
• Kanagawa Prefecture - Corporate Education ProgramcoreGTM or Marketing Partner · 1 January 2023FPal's Gトレ is approved under Kanagawa Prefecture's '企業等による教育プログラム提供事業', expanding access to schools in Kanagawa.
• Nippon Institute of Technology (日本工業大学)coreTechnology or Integration · 1 January 2022Collaboration with Japan Industrial University to develop an online version of Money Poker. University students in their 3rd year systems development practicum developed multiple versions, with Team 1's implementation selected as the best. This partnership enables FPal to offer digital/online training options.
• Kasukabe City SDGs Partners (かすかべSDGsパートナーズ)coreStrategic or Co-development Partner · 1 January 2021FPal is registered as a SDGs Partner in Kasukabe City, which has been selected as a SDGs Future City. FPal's Gトレ contributes to Goal 4 (Quality Education) and Goal 1 (No Poverty) of the SDGs.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Emerging players

• Money Forward Education: Education-focused programs under the Money Forward umbrella (Japanese fintech PFM leader). Comparable in subject matter (money management) and target audience, with significantly greater brand and distribution reach than FPal.
• Globis: Japanese business education provider (MBA, executive education, manager training) with growing content on business and finance skills. Comparable in corporate-training segment, with GLOBIS managing the business-skills side where FPal's THE OWNER game sits.
• Kaikei Zemi (Benesse): Benesse's household-accounting and money education program for Japanese students and families. Comparable content focus (financial literacy for youth) with stronger distribution, but less gamified methodology than FPal.

Broad incumbents

• Gakken Holdings: Major Japanese educational publisher and service provider with K-12 reach, learning magazines, and school programs. Comparable adjacent competitor that could bundle financial-education content into its existing school distribution channels.
• Benesse Corporation: Large Japanese educational services group operating school support programs, correspondence courses, and after-school services. Adjacent incumbent with relationships across Japanese schools that could viably launch or acquire a competing gamified financial education product.
• EVERFI: Larger US-based provider of digital financial literacy and life-skills curricula to K-12 schools, universities, and corporations, often sponsored by financial institutions. Comparable business model (gamified curriculum + financial-institution sponsorship) and customer overlap (schools, banks, employers).
• Visa Practical Money Skills: Visa's global financial literacy program providing free classroom resources for teachers. Comparable in being sponsor-funded (by a payment network) and targeting school distribution, although FPal is gamified and Japan-focused.

Direct peers

• Next Gen Personal Finance (NGPF): US-based nonprofit providing free personal finance curriculum to high schools, with grants and educator support. FPal is the closest analog in Japan: gamed-based, school-distributed, and sponsor-funded, making NGPF the most directly comparable financial-education peer.
• FoolProof: Provider of interactive, gamified financial literacy curriculum for K-12 and higher education. Comparable in delivery mode (interactive/gamified) and in school-segment focus, with a US-centric footprint that contrasts with FPal's Japan-only reach.
• Junior Achievement Japan: Japanese arm of Junior Achievement, which delivers economic and financial literacy programs to students through schools and corporate sponsorship. Similar delivery model (school-based, sponsor-funded, facilitator-led) and overlapping curriculum content.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/mitsuboshi_fp

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

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 FPal