Affordable financial services to 2 billion ‘financial refugees’
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Our mission to reduce poverty and inequality in two folds:
1) Promote employers to be employee friendly
2) Motivate employees hard work
Partnership with payment company
Cash is costly to handle and less transparent.
We can significantly reduce costs and increase transparency if we can incentivize digitization of payroll and payment by allowing people to tap into their earned wages in advance.

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  • Looking for partnership with payment company.
  • Looking for partnership with telecommunication company.
  • We can immediately top-up digital wages to prepaid card.
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Strength
Our payroll system is real time, cloud-based, and All-in-One: HR-Attendance-Payroll.
It sounds simple, but the real time payroll calculation and process is very difficult.
Our team has a 22-year experience in payroll system development and banking integration.
Our team members introduced the first single-instance multi-tenant service in Japan in 2000.
Today, we develop a ‘Wage Wallet’ with the latest blockchain technology.
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  • Cut-off date, Stretch over 0:00, Cut-off time, Summer time are supported.
  • Multi-languages, decimal point display, time difference are supported.
  • Income tax, local tax, health insurance, pension, and other factors can be set to meet your requirements.

Digital money era
Cash is a source of corruption, counterfeit money, tax evasion and bribery.
Our system allows people to remit the money whenever needed up to their earned wages.
This reduces the risk of money laundering and save costs for remittance operators to conduct a strict screening.
Workers are able to support their families by being able to send the money at anytime needed with little costs.
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  • New business opportunity with lower interest loans
  • New business opportunity with Insurance
  • New business opportunity with individual pensions

Our goal is to reach 400M workers to be financially included.
Plan to team up in 8 countries
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R&D centers (Fukuoka Japan & Bangalore India)
Marketing offices (London, San Francisco, Singapore, Mumbai, Tokyo)

We were listed as the first Japanese company in the fintech 100
Became the first Japanese member in the Level39 community in London
Level39 has about 200 selected startups around the globe.
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Joined the ‘Innovate Finance’ community as the first Japanese firm to promote financial inclusion globally.
Pitched at Global Summit 2017 as the finalist in the Financial Inclusion section.
Joined the World Bank’s Annual Meetings in Oct. 2017.
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Dr. Muhammad Yunus, Nobel Peace Prize Laureate
Soichiro Takashima, the Fukuoka City Mayor
Paul Lam, Investment Associate at the CDC Group
Supported our ‘UK-Japan Fintech Initiative’ event in Mar 2017.
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Honor to meet with John Griffith-Jones, the UK FCA Chairman
Partnered with Seven Bank
Partnered with Lien Viet Post Bank
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  • World Bank, United Nations, Asia Development Bank, Gates Foundation are also tackling financial inclusion for 2 billion unbanked adults.
  • We want workers to be motivated and supported by their employer’s offering our platform to tap into to the earned wages in real time.
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Looking for Founding Members
Provide employee-friendly companies with a real-time payroll system for free
List of Awards in Japan
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