Service

cashari

cashari is an app-based sale-and-leaseback service. Users can sell items they own (movable assets), receive funds, and continue using those items by paying a lease fee.

Service site (Japanese): https://cashari.jp/

1. Concept: instant liquidity for personal movable assets

Unlike traditional pawnshops or buy-back stores, we offer a non-face-to-face, fully digital experience. For users who want to retain their cherished items but need temporary liquidity, we deliver a new financial experience that does not disrupt daily life.

2. Business model: a seamless liquidity process

We integrate the sale (liquidity event) and continued use (lease) as a single in-app experience.

• Real-time appraisal (AI / market data): Our proprietary algorithm references user-captured images and market data to instantly present a fair purchase price.
• App-based digital contracts: Sale and lease contracts are concluded entirely within the app. We comply rigorously with regulations while eliminating cumbersome paper procedures through carefully designed UX.
• Flexible exit options: At the end of the lease, users can choose to return the item or repurchase (buy back) it, supporting flexible asset management aligned with their lifestyle.

3. Operations and competitive advantages

By combining technology and logistics networks, we have built a highly efficient, secure operating model.

Fully digital experience

Appraisal, eKYC, contract, and payout — all completed on a smartphone.

High appraisal accuracy

A model that continuously learns from market price movements delivers fair pricing and disciplined risk management.

Movable-asset credit (Credit-Tech)

A proprietary credit model based on alternative data such as movable-asset portfolios. By visualizing latent personal asset backgrounds, we mitigate the risk of unpaid lease fees.

Non-face-to-face logistics

Through system integration with delivery partners, we minimize the effort required for pickup and return.

Compliance and user protection

Strict operations in compliance with the Used Goods Business Act and related laws. eKYC and AML controls ensure safe transaction environments.

4. Fintech strategy: expanding the financial ecosystem

We are advancing API integrations and partnerships with external financial institutions and partner companies to enhance our value as a platform.

• Wallet and payment functions (BaaS): Since 2023, we have partnered with GMO Aozora Net Bank to offer in-app wallet asset management as well as VISA debit card payment services. Real-time transactions and everyday use have driven user retention.
• Diversification of financial services (cashari Money): In 2024, in partnership with GeNiE Inc., a wholly owned subsidiary of ACOM, we launched cashari Money, a new financing option. We have built a framework that flexibly meets diverse user funding needs in addition to our leaseback service.

5. Growth strategy and outlook

cashari is a platform that unlocks the value of personal movable assets that lie dormant in households.

Going forward, we will continue to expand the range of items we handle by improving our appraisal algorithms and strengthening our fintech functions. By building new credit models that leverage movable-asset data and contributing to financial inclusion, we aim to establish ourselves as critical infrastructure for personal asset utilization.