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Funds Incorporates AMFC: A Strategic Move Towards Financial Inclusion

Funds Inc. (Headquarters: Shibuya, Tokyo, CEO: Yuichiro Fujita) has officially made a significant move in the fintech space by acquiring 88.11% of the shares of Taiwan’s Asia Money Fintech Company, known as AMFC. This acquisition marks an important step for Funds as it aims to enhance its operations and broaden its reach in overseas markets. The integration process is being led by Funds IGC Pte. Ltd., headquartered in Singapore and under the leadership of CEO Tomotaka Takao.

With the acquisition, AMFC will now operate under the name Funds AMFC, and to commemorate this transition, the company is launching the "Funds AMFC Inclusion Fund #1.” This fund will be open for investment starting June 5, with a target of raising ¥777 million.

AMFC's Role in Financial Inclusion

Funds AMFC focuses on offering banking and Buy Now Pay Later (BNPL) services to the underbanked population in Taiwan, a demographic that struggles to access traditional financial services despite having bank accounts. In Taiwan, many consumers are often excluded from receiving credit assessments by established financial institutions. Funds AMFC addresses this issue by utilizing a data-driven credit model, thus granting this segment better access to financial services and aiming towards a more inclusive financial ecosystem.

In the fiscal year ending December 2024, AMFC is projected to generate revenues of NT$233 million (approximately ¥1.16 billion) and an operating profit of NT$67 million (about ¥330 million), marking four consecutive periods of revenue growth since December 2021.

Objectives Behind the Acquisition

With the current acquisition of shares, Funds plans to increase its stake to 95% pending regulatory approval from Taiwanese authorities. Post this stakeholder transition, the company will send its CTO, Yoshinobu Wakamatsu, who also serves as the Chief of Staff at FIGC, as an auditor to strengthen governance at Funds AMFC.

This strategic move is intended to improve the company’s management monitoring and risk management capabilities. As a result, it will enhance the financial stability and continuous funding of the Funds platform, thus supporting the company’s scale and performance. Such initiatives not only create better return opportunities for Japanese investors but also contribute to the promotion of financial inclusion in Taiwan.

By linking both the lenders and borrowers through its framework, the Funds Group aims to expand the overall wealth in society, a core value that aligns with the “growth cycle” model pursued by FIGC. This paradigm not only supports AMFC’s business growth but is also expected to drive profitability, which will subsequently enhance the overall profitability and financial foundations of the company, thus bolstering trust from stakeholders, including investors.

Launch of Funds AMFC Inclusion Fund #1

As part of the strategic initiative, Funds AMFC is launching a yen-denominated fund that targets exclusive professional investors. This marks the first fundraising effort since the incorporation of AMFC into the group, with a set target of ¥777 million. The initial fundraising period will begin on June 5, 2026, at 7:00 PM and will close on June 17, 2026, at 3:00 PM.

The domestic subsidiary will act as the direct borrower for the funds, with Funds AMFC providing a joint guarantee, effectively tying the fund’s credibility to that of AMFC. These loans will also be secured by financial claims held by AMFC in its business operations. This strong backing is essential for building investor confidence.

Upcoming Online Seminar Announcement

To further educate potential investors, Funds will host an online seminar on June 5, 2026, at 8:00 PM. This seminar will delve into the global growth cycle model that Funds aims to achieve, featuring Funds AMFC as a case study for overseas corporate loan funds. Participants will have a chance to interact and ask questions from the CEO of FIGC, Tomotaka Takao, as well as Sakamoto, an executive officer at Funds. Pre-registration is required.

Funds Inc. has created an online platform that allows individuals to lend money to listed companies starting from just one yen. The company has successfully organized and solicited funds for 596 different projects involving 127 listed companies without recording any late distributions or defaults.

In conclusion, the acquisition of AMFC not only represents Funds Inc.'s growth strategy in navigating the complex waters of Asia's fintech landscape but also signifies its unwavering commitment to fostering financial inclusion while delivering value to its investors. This acquisition and the subsequent fund launching are expected to propel both Funds and AMFC into a new era of growth and success.