Okaneko Surpasses 1.2 Million Users: A Financial Consultation Revolution

Okaneko, operated by 400F Corporation based in Tokyo, has recently announced a significant milestone: the service has achieved a cumulative user base of over 1.2 million, as of June 1, 2025. This achievement underscores the increasing need for accessible financial consultation services in Japan, especially as financial concerns grow more complex amidst economic uncertainties.

Since its launch in November 2018, Okaneko has emerged as one of Japan's largest online platforms for financial diagnosis and consultation. Targeting primarily individuals in their 20s to 40s, the platform allows users to seek advice regarding their finances through various means such as chat consultations, in-person meetings, and seminars.

Addressing User Concerns with Anonymity

One key feature that sets Okaneko apart is its recognition of the common apprehension users feel when discussing personal finances. By allowing anonymous registration, users can engage in consultations without the fear of their identity being disclosed. This approach enables clients to choose their preferred financial advisor, whether they are Certified Financial Planners (CFPs) or other licensed financial professionals, fostering an environment of trust and ease.

Unique Advisor Model

The financial advisors affiliated with Okaneko adhere strictly to a customer-first approach. This means there is no commission-based incentive structure, allowing advisors to focus solely on providing advice that is in the best interests of their clients. This model has not only enhanced the credibility of the advice provided but has also built a robust relationship between users and their financial advisors, positioning Okaneko as a reliable partner in personal finance management.

User Testimonials

User feedback tells a compelling story of how Okaneko aids individuals in navigating their financial challenges:

- User A (30s): After the unexpected arrival of twins, User A found themselves reevaluating their financial strategies for education and home ownership. Through Okaneko, they utilized a life plan simulation, which revealed sound financial practices while highlighting areas where additional insurance was needed. This proactive approach led to continued engagement with Okaneko for future financial planning.

- User Y (60s): Restructuring their assets centered around Japanese equities allowed User Y to gain comfort through diversified options, including foreign currency insurance. Read More
- User T (30s): A review of high insurance premiums helped User T secure necessary coverage while improving overall household financial health. Read More

Future Improvements Ahead

Looking ahead, 400F plans to strengthen its support across various life events while also enhancing financial literacy within Japan, which is currently lagging behind many other countries. In April 2025, the company will launch a hands-on program called "OKANE-KOllege" that will offer personalized support from financial professionals to help users enhance their financial literacy.

Customizable Learning Experience

The program will feature:

- One-on-one sessions with experts covering budgeting, investment, insurance, and more
- Activities designed to encourage consistent financial habits and knowledge retention
- An entirely online format to accommodate busy lifestyles

Through both education and innovation, Okaneko aims not just to inform users but to empower them to take actionable steps toward financial wellness. As part of this commitment, the company has also been working on integrating AI technology to enhance user experiences further.

Embracing AI in Financial Solutions

In accordance with its goal to simplify financial management via technology, Okaneko acquired a patent for machine learning technology in December 2020. This initiative was bolstered by the introduction of an AI chat feature, "AI Okaneko," in 2023, which recorded impressive usage. Although the AI chat is currently undergoing upgrades, it exemplifies Okaneko's commitment to innovative solutions within the financial domain.

CEO Jin Nakamura's Vision

Jin Nakamura, CEO of 400F, expresses his heartfelt gratitude to the users who have contributed to Okaneko's growth. He emphasizes the pressing need for trusted financial guidance, especially in light of Japan's current socioeconomic landscape, where inflation and concerns about pensions are prevalent. Nakamura envisions expanding beyond financial consulting to provide support across relevant life events, while also investing in AI to transform user experiences and financial resolution processes.

As Okaneko continues to thrive, the mission remains clear: to connect individuals with effective solutions for their financial dilemmas. The ongoing evolution of this platform illustrates a modern approach to personal finance, ensuring that users not only understand their finances but are equipped to manage them effectively.

Okaneko aims to foster a future where financial advice is both accessible and reliable, making it a go-to resource for individuals navigating their financial journeys.