#Japan #Tokyo #NISA #investment app #PayPay Securities

Introduction

PayPay Securities, headquartered in Shinjuku, Tokyo, has recently announced that as of March 31, 2025, it has successfully opened 1.371 million securities accounts. Among these, over 422,000 accounts were opened under the NISA program, which is tailored for individual investment in Japan. Notably, more than 95% of NISA account holders are first-time users, illustrating a significant inclination towards accessible investment options for new investors.

NISA for Beginners

A remarkable statistic shows that 91% of users who opened NISA accounts with PayPay Securities had never participated in stock trading before. The age demographic spans from individuals in their 20s to those in their 50s, with around 90% of users belonging to the working-age population. This wide acceptance indicates a growing trend among different age groups to venture into asset management, particularly targeting those who are novice investors.

PayPay Securities facilitates a straightforward, user-friendly interface that encourages easy buying and selling of stocks, perfectly suiting first-timers venturing into NISA.

Functionality and Features

Integrated within the popular cashless payment service, PayPay, is the “PayPay Asset Management” mini-application. This proximity to a familiar payment system has caught the attention of asset formation enthusiasts and beginners. In response to the rising interest in the new NISA framework, the company aims to be a supportive long-term partner for those just starting in asset management, continually enhancing their platform with new features.

Key Features

1. Accessible Trading Anytime

With “PayPay Asset Management,” users can purchase both Japanese and US stocks from as little as ¥100 at any time—24/7, providing exceptional flexibility to capitalize on market opportunities without delays. However, do note that certain limitations may occur during market hours when stocks might be temporarily unavailable.

2. Convenient Integration with PayPay Services

Investors can utilize their PayPay money and points to conduct trades, adding an element of ease to the investment process. For instance, users can invest up to ¥100,000 per month in mutual funds through the PayPay Credit, and by coordinating deposits with PayPay Bank, they can acquire securities directly from their savings.

3. Automatic Daily Investment Options

The “PayPay Automatic Investment” feature allows investors to pick between two carefully selected mutual funds, facilitating automated investment with minimal steps. This is particularly appealing to those uncertain about their investment choices or who prefer delegating the management of their assets.

Earn Points through NISA

To further incentivize user engagement, PayPay Securities has initiated the “PayPay Asset Management Accumulation Reward Program.” Under this initiative, customers who regularly purchase mutual funds will earn PayPay points based on their expenditure. Importantly, this program is available without a specified term, meaning users can benefit from it regularly.

Simple Trading through PayPay App

The “PayPay Asset Management” service simplifies asset management through a mini-application. Investors can conduct transactions using their PayPay balance, points, bank deposits, or credit for easy access to stocks and mutual funds starting from just ¥100 or 1 point. Upon selling securities, funds will be credited to the user's PayPay balance, making it convenient to use for other purchases directly.

On the other hand, when users open a securities account, they can bypass extra identification steps if they have already completed the eKYC process within PayPay, facilitating an even smoother onboarding.

Conclusion

In summary, PayPay Securities continues to lower barriers for investment, offering a range of services tailored for all types of investors, especially beginners. The company’s focus on making investment services accessible reflects its mission to revolutionize the financial landscape in Japan and foster a culture of investment amongst the masses.

For more information regarding the services and features offered by PayPay Securities, visit their website: PayPay Securities.