Altoa is a specialized online lender focusing on SMEs and sole proprietors. Offering short-term loans to small businesses, Altoa’s online platform promoted fast applications and approvals using accounting big data and AI. Customers are often able to receive funds the next day once approved.

Sofmap, a subsidiary of Japan electronics retail giant Bic Camera Group, is a Tokyo-based online retailer of second-hand products with around 300,000 registered users in Japan. Different from traditional P2P/C2C platforms, Sofmap acquires used items from sellers for their own inventory, rather than simply connecting buyers and sellers to facilitate a sale.

Kyash is a fintech company based in Tokyo offering various online banking services. While not established as a bank, Kyash is endeavoring to provide features traditionally provided by banks, but electronically and without the need to visit a brick-and-mortar institution. This concept has been gaining popularity in Japan, especially among the younger generations.