Fivot

🇯🇵 Fivot

💳 Tokyo’s Fintech Challenger

Founded in 2019, Fivot has grown into one of Japan’s most promising digital finance startups.

Its two pillars, IDARE, a smart savings app, and Flex Capital, an AI-powered venture debt platform, are scaling fast. In June 2025, Flex Capital passed ¥100 billion in total lending.

💡 The recipe for success: A lean 40-person team, dual focus on both consumers and startups, and speed — lending approvals in as little as 3–10 days. Anybody who has lived in Japan knows: this is next-level speed over there.

Why we like it:

• Milestones — ¥100 billion in loans disbursed via Flex Capital

• Recognition — Forbes Asia “100 to Watch” + Nikkei Financial feature

• Strategy — Bridging Gen-Z savings habits with startup financing growth

👉 Lesson learned: Speed and focus beat size — in fintech, a lean team with sharp execution can outpace bigger players.