Bankers Launches New Foreign Currency Fund for Investors in 2025

Bankers Introduces New Foreign Currency Fund

Bankers, a leading lending-based crowdfunding platform in Japan, has officially launched its new foreign currency-denominated fixed principal repayment fund on May 26, 2025. This initiative aims to support investors in building their wealth while addressing local economic disparities, particularly focusing on empowering women entrepreneurs in Mexico.

Background of Bankers

Founded in December 2020, Bankers strives to become a financial institution that prioritizes better returns for investors and promotes direct finance that contributes to economic growth. Since its inception, Bankers has successfully managed funds exceeding 110 billion yen, with a significant portion comprising foreign currency-denominated investments. In response to increased inquiries regarding currency risk management, they are now introducing this new fund designed to provide both security and better investment outcomes over time.

Key Features of the Fund

1. Fixed Principal Repayment Structure

One of the standout features of this new fund is its implementation of a fixed principal repayment mechanism. Unlike conventional lending-based funds that repay both principal and interest lump sum at maturity, this fund allows for partial repayments every six months. This structure enables investors to recover part of their investment sooner, thereby alleviating the risks associated with long-term credit issues.

The investment duration is set for 18 months, with repayments providing a quicker capital return than typical maturity lump-sum funds. However, please note that while there is a structure for regular repayments, it does not guarantee returns of principal.

2. Mitigating Currency Risk

Another critical advantage is the fund's approach to currency risk. In traditional foreign currency funds, returns can fluctuate significantly based on exchange rates at the time of repayment. This fund aims to reduce those risks by spreading the conversion of funds into Japanese yen across multiple intervals, thereby lessening exposure to market volatility at any single point in time.

3. Social Impact and Contribution to SDGs

This fund specifically targets lending to SOFIPA CORPORATION, a financial entity committed to advancing women's economic positioning in Mexico. The initiative promotes financial inclusion for female entrepreneurs who have limited access to traditional financial services. By focusing on this demographic, the fund aims to provide not just financial returns but also social returns, aligning with the United Nations’ Sustainable Development Goals (SDGs) set in 2015.