#Japan #Shibuya #Mizuho Bank #Commitment Line #21 FinTech

Establishing Strategic Partnerships: 21 FinTech and Mizuho Bank

On July 10, 2026, 21 FinTech Co., Ltd., headquartered in Shibuya, Tokyo, announced its commitment line agreement with Mizuho Bank. This partnership marks a pivotal point for 21 FinTech as they aim to enhance their footprint in both the Taiwanese and Japanese markets.

Background of the Agreement

21 FinTech specializes in providing a wide array of financial technology services, leveraging advanced AI and data science. Their offerings include consumer-oriented solutions like Buy Now, Pay Later (BNPL) options, cashless payment wallets, and advance salary payment services, alongside various merchant solutions.

As part of the Tokyo Stock Exchange's Asia Startup Hub program, 21 FinTech receives substantial support from partner companies. The partnership with Mizuho Bank is identified as a crucial strategy to ensure flexible and stable funding, vital for expanding business operations across Asia, especially Japan.

The commitment line agreement enables 21 FinTech to utilize a borrowing limit of 2 billion yen over one year, Marching towards their mission to provide safe, reliable payment methods, even to young individuals with limited credit history. 21 FinTech recognizes that the demand for seamless fintech solutions will continue to rise in the AI era, and the company is dedicated to making such services accessible to all.

Details of the Agreement

1. Lender: Mizuho Bank, Ltd.
2. Borrowing Amount: 2 billion yen
3. Date of Agreement: July 10, 2026
4. Contract Duration: 1 year
5. Contract Type: Individual Negotiated Method
6. Purpose of Funds: Operational capital

Comments from Mizuho Bank

Mr. Taku Ishikawa, Deputy President of Mizuho Bank, expressed pride in supporting the strategic growth of 21 FinTech through this agreement. He stated that this partnership not only fortifies 21 FinTech’s operational foundation in Japan but also enhances their expansion efforts throughout Asia. The utilization of AI and data science in risk assessment to offer safe payment options represents a significant societal challenge, particularly for young consumers

Comments from 21 FinTech

Mr. Hou-Yu Chou, CEO of 21 FinTech, expressed enthusiasm regarding the partnership with Mizuho Bank. He emphasized the importance of Japan as a strategic market, expecting increasing demands for next-generation fintech services that integrate payment solutions, credit provision, and data utilization. Their focus remains on creating a society where everyone can access safe and seamless fintech services.

The partnership with a leading institution like Mizuho Bank is viewed as a substantial support in achieving sustainable growth across Asia. 21 FinTech aspires to construct a simple, reliable fintech infrastructure suitable for the AI era and to continually create new value.

About Mizuho Bank

• - Company Name: Mizuho Bank, Ltd.
• - President: Masahiko Kato
• - Founded: July 1, 2013
• - Headquarters: 1-5-5 Otemachi, Chiyoda-ku, Tokyo

About 21 FinTech

• - Company Name: 21 FinTech Co., Ltd. (21st Financial Technology Co., Ltd.)
• - CEO: Hou-Yu Chou
• - Founded: October 2015
• - Established: August 2024
• - Location: 3-6-15 Shibuya, Shibuya-ku, Tokyo 150-0002
• - Website: 21st FinTech

This press release contains forward-looking statements that are based on the company's forecasts and beliefs as of the announcement date. Changes may occur without prior notice.