Unlocking the value of physical goods
for an inclusive society where everyone can thrive.
GarageBank Corporation aims to advance financial inclusion by visualizing the latent value held in physical goods and building a framework that enables anyone—regardless of credit information—to turn that value into action.
Building on the visualization of movable-asset value—our work since founding—we continue to develop a service model that addresses the diverse needs of our users. With leaseback at the core, complemented by options delivered together with partners, we provide flexible choices tailored to each user's situation.
Guided by the principle that a service is a means of helping users achieve their goals, we focus on:
Enabling users to leverage the value of what they own without friction is the foundation of our competitive position.
Through collaboration with external partners, we are extending our service model centered on the value of goods. By integrating partner technologies and assets, we deliver superior user experiences and create value across industries. We will continue to broaden these partnerships toward a future in which everyone can use the services they need, whenever they need them.
Over the long term, we aim to realize a world in which individuals can visualize and self-manage their assets, the value of their goods, and their cash flows—much like a corporation does:
We have built operations in which everything from appraisal and identity verification (eKYC) to contracting and payout is completed entirely on a smartphone.
We operate proprietary technology that evaluates the value of items from images, using a model that continuously learns from market price movements. We constantly monitor trends in the secondary market and respond to price fluctuations.
Through a proprietary risk-assessment framework that draws on data about movable assets, we work to reduce the non-payment risk of lease fees.
Through system integration with delivery partners, we minimize the effort required for pickup and return.
Under an operational framework that complies with the Used Goods Business Act and related laws and regulations, we rigorously implement identity verification via eKYC and anti-money-laundering (AML) measures.
We hold a patent covering the series of processes required to provide a sale-and-leaseback service through a smartphone app (Japanese Patent No. 6916559).
We will continue to expand the range of items we handle by improving the accuracy of our appraisal technology, and to enhance our services through partnerships, aiming to establish our position as infrastructure that supports how individuals put their assets to work.
Under our mission "Turn the value of goods into possibilities for everyone," we have provided services that draw on the latent value held within physical goods. We address needs that conventional frameworks have not adequately served and create options that empower each individual to expand their possibilities.
The pawnshop tradition of treating goods as assets has long supported people's daily lives, but its relevance has faded among younger generations. We have rebuilt this practice with a modern UX and delivered it as cashari. In 2023 we launched a wallet service in partnership with GMO Aozora Net Bank, and in 2024 we released cashari Money in partnership with GeNiE Inc. (a wholly owned subsidiary of ACOM), continuing to broaden the options available to our users.
As lifestyles and ways of working change significantly, we will contribute to the realization of a society in which the value of goods circulates—a circular economy—while continuing to deliver services that are honest and trustworthy for our users.
We will continue to engage earnestly with our users' voices and to take on new challenges.
GarageBank Corporation
Yoshihito Yamamoto, Representative Director