Tokyo’s FinTech Frontier – Unleashing Innovation in the Heart of Japan


Tokyo, the bustling metropolis of Japan, is emerging as a global hub for financial technology (FinTech) innovation. Pioneering startups in Tokyo are revolutionizing the financial landscape, leveraging technology to transform traditional banking, payments, and investment practices. In this article, we showcase 15 intriguing FinTech companies based in Tokyo, shedding light on their innovative solutions and their pivotal role in shaping the future of finance.

Habbito – Connecting Financial Experiences

SJ Mobile Labs’ Habbito is redefining financial habits with a connected and relatable experience. This innovative platform encourages users to develop healthier money habits and empowers them to make smarter financial decisions. Habbito provides personalized insights, budgeting tools, and financial goal tracking, all within a user-friendly interface.

SushiSwap – Decentralized Financial Exchange

SushiSwap is a peer-to-peer, decentralized exchange that enables users to easily swap tokens, provide liquidity, and access various decentralized finance (DeFi) services. Tokyo’s SushiSwap is at the forefront of the DeFi revolution, offering a seamless and secure platform for individuals to participate in the growing world of decentralized finance.

Rubi Labs – Blockchain for Financial Microservices

Rubi Labs specializes in providing RubiLink, a blockchain solution tailored to support financial microservices. Their innovative technology offers secure and efficient solutions for financial transactions and data management. With RubiLink, businesses can streamline their operations, enhance transparency, and unlock new opportunities in the ever-evolving FinTech landscape.

JPYC – Utilizing Blockchain for Stablecoin

JPYC is a stablecoin that leverages blockchain technology and is widely used for buying and selling goods. By utilizing the advantages of blockchain, JPYC provides a secure and efficient digital payment solution, reducing transaction costs and ensuring fast, transparent, and borderless transactions.

izumi Finance – Liquidity as a Service (LaaS)

izumi Finance is a platform that provides Liquidity as a Service (LaaS) using Uniswap V3. By offering liquidity pools and yield farming opportunities, izumi Finance contributes to the growth and efficiency of decentralized finance. This enables users to easily access liquidity and participate in various decentralized applications and protocols.

MUFG Innovation Partners – Driving FinTech Innovation

MUFG Innovation Partners serves as the corporate venture capital (CVC) arm of Mitsubishi UFJ Financial Group (MUFG), one of the largest financial institutions in Japan. With their strategic investments and partnerships, MUFG Innovation Partners supports promising FinTech startups, fostering innovation and driving the transformation of the financial industry.

Prance Gold Holdings – Empowering Digital Asset Holders

Prance Gold Holdings is a technology company that offers digital asset holders opportunities to grow their portfolio. Through their innovative solutions, Prance Gold Holdings provides secure investment options, robust trading platforms, and comprehensive portfolio management tools to empower individuals and businesses in the digital asset ecosystem.

FINOLAB – Bridging Real Estate and Financial Services

FINOLAB is a FinTech company that provides real estate and financial services. By leveraging technology, FINOLAB enhances the efficiency and accessibility of real estate transactions, investment opportunities, and financial services. Their solutions revolutionize traditional practices, making them more cost-effective, transparent, and user-friendly.

Cygnos – Crypto Lending Platform

Cygnos operates a crypto lending platform that provides monthly direct interest payments in fiat currency for crypto loans. This unique offering provides liquidity to crypto asset holders while enabling them to earn regular income in traditional currencies, bridging the gap between the traditional financial system and the crypto ecosystem.

Axiom – Comprehensive FinTech Solutions

is a FinTech company that provides a wide range of services, including digital marketing strategies, crypto brokerage, mining machines, and private token sales. With their comprehensive suite of solutions, Axiom supports businesses and individuals in navigating the complexities of the digital asset ecosystem, facilitating growth and innovation.

nCino K.K. – Cloud-based Banking Operations

nCino K.K. offers an integrated platform for cloud-based banking operations. Their innovative solution optimizes banking processes, enhancing efficiency, risk management, and customer experience. By leveraging the power of the cloud, nCino K.K. empowers financial institutions to embrace digital transformation and adapt to evolving customer expectations.

Digital Platformer – Blockchain-based Digital Currency Platforms

Digital Platformer provides cutting-edge platforms for digital currency using blockchain technology. Their solutions enable secure and efficient digital transactions, asset management, and tokenization. By harnessing the potential of blockchain, Digital Platformer contributes to the expansion and adoption of digital currencies, driving financial inclusivity and innovation.

Mercoin – Advancing Crypto Asset and Blockchain Services

Mercoin plans and develops services related to crypto assets and blockchain technology. With a focus on security, usability, and compliance, Mercoin offers innovative solutions for crypto asset management, trading, and blockchain-based applications. Their offerings contribute to the maturation and mainstream adoption of digital assets.

RemitAid – Facilitating Cross-Border Transactions

RemitAid operates an overseas payment platform for cross-border transactions between companies. Their secure and efficient solution simplifies international payments, reduces costs, and enhances transparency. By leveraging technology, RemitAid promotes seamless global business transactions, supporting economic growth and fostering international collaborations.

Protoption – Empowering Crypto Asset Services

Protoption is a FinTech startup that provides crypto asset-related services. With their expertise in blockchain technology and digital assets, Protoption offers secure wallet solutions, investment strategies, and consulting services. Their aim is to empower individuals and businesses in navigating the crypto asset ecosystem with confidence and efficiency.


Tokyo’s vibrant FinTech scene is driving a wave of innovation, transforming traditional financial practices, and revolutionizing the way we interact with money. The showcased FinTech companies in Tokyo are at the forefront of this revolution, spearheading advancements in blockchain, decentralized finance, digital payments, and more. As Tokyo continues to nurture and attract talented entrepreneurs and innovators, the city solidifies its position as a global FinTech hub, shaping the future of finance on both domestic and international scales.

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