
Legal
Scheme design for new businesses and partnerships, drafting and reviewing contracts and terms, handling financial-industry regulations, and debt recovery through legal proceedings
The Tension We Navigate
Balancing the boldness to transform the very mechanics of finance with the integrity to establish those mechanics as a new industry standard
Changing anything in finance demands bold thinking that breaks free from conventional assumptions. Legal, too, is an agent of that transformation: we use our own judgment to determine whether the ideas coming up from the business will truly make people's lives better, and once we believe they will, we think through every angle of how to make them real. We engage not with the surface of regulation but with the interests it is meant to protect, rigorously analyze how new situations differ from existing ones, and then draw new lines of benefit and responsibility that never compromise those protected interests. We meet the boldness of the business head-on, design it with integrity, and see its operation through to the end. That is the work of the Legal team.
Meet the Legal team
What We Do
We handle the full breadth of legal work, centered on examining business schemes, drafting terms of service and partnership agreements, reviews and external negotiations, and recovering receivables through judicial proceedings.
Why We Exist
Finance is the infrastructure of the economy, an industry that can determine whether our users' businesses survive. We can be bold, but never irresponsible or reckless. Only by continuing to take on challenges in a sound, principled way do we earn cumulative trust from everyone involved, allowing the business to grow sustainably as one that supports an ever-larger number of users. Our reason for being is to design, operate, and continuously update the mechanisms that make such ongoing challenge possible.
How We Work
We work on two fronts: honing our capabilities as specialists, and building the systems (AI) that maximize them. The rigorous analysis that specialists provide, we take on directly, head-on, and we keep sharpening that core strength through daily practice and the accumulation of knowledge. On top of that, we put in place systems that let AI and outside experts proactively take on work, freeing up human resources to focus on the work only our in-house specialists can do. Continuously acquiring and structuring the latest information, and discerning exactly what to hand off in order to get the maximum output back, is itself work that only specialists can do. Through this combination, we deliver the highest-quality work with the smallest possible team and without dependence on any single individual.
Key Members
Explore Other Teams
Engineering
Delivering new financial experiences by balancing speed and reliability
Data
Building next-generation AI credit models, ML infrastructure, and data platforms
Credit
Credit assessment and risk control that fuse the power of people and AI
Business Development
Cultivating new seeds from nothing to create growth
Risk & Compliance
Building and operating offense-minded risk management and compliance
Internal Audit
Building and operating the internal audit framework
Accounting & Corporate Planning
Building the finance and accounting foundation that supports challenges toward the future
People & Recruitment
Organizational development, recruitment, and culture-building
PR
Articulating the philosophy of challenge, continually sparking enthusiasm and empathy across society
Sales
Walking alongside challenger companies, proposing financial solutions that propel their growth
Support
Driving the evolution of customer experience by changing how things work, starting from the user's voice
Marketing
Brand building, lead generation, and growth initiatives
Capital
Operating the venture debt fund "UPSIDER BLUE DREAM Fund" and more


