Technology That
Updates Credit.
With AI, machine learning, and real-time data processing at our core, we deliver speed, accuracy, and scale impossible in traditional finance.
The core technology
behind UPSIDER
So that challengers aren't stopped by the walls of legacy systems.
We're fusing AI and data to build a new financial foundation that evaluates a company's future possibility — not just its past.
01
AI Credit Engine
Forecasting the future with real-time data
UPSIDER's AI credit looks at a company's present and future — not just its past.
By integrating with bank account APIs, we analyze balances, sales inflows, and cost outflows in real time.
More than a simple scoring system, our proprietary logic factors in how money is used, relationships with counterparties, and industry-specific characteristics — simulating a company's future across multiple scenarios.
Results: speed and scale, together
UPSIDER Corporate Card
[01]
Review Time
Time for AI credit model to compute review results and credit ceiling
UPSIDER
Seconds
Conventional corporate cards
2 weeks–1 month avg.
As of June 2026, UPSIDER research
[02]
Credit Line
UPSIDER
Up to¥1B
Conventional corporate cards
Up to ¥5M
As of June 2026, UPSIDER research
[03]
Fraud Rate
1% or less
Calculated for May–Jul 2023
UPSIDER BLUE DREAM Fund
[01]
Total Loans
¥15B+
As of end of February 2026
[02]
Terms Sheet Delivery
Period from review-document submission to terms presentation, excluding Q&A time on our side
UPSIDER
Within 10 business days (avg.)
Bank loans
~2 weeks–1 month
As of June 2026, UPSIDER research
02
Operational AI
From defense to offense. Making the impossible possible through AI–human collaboration.
UPSIDER's AI fundamentally redefines finance and corporate operations.
From AI credit reviews to receipt processing and monthly closings — massive volumes of repetitive work that used to demand human hands are now automated.
With AI handling the "defense," corporate functions evolve from administrative backstops into strategic compasses powering offense.
AI Auto-Processed / Year
110M+
As of July 2025. Approximate annual count of operations executed or replaced by AI across UPSIDER corporate card workflows and UPSIDER AI Accounting.
03
Platform Vision
Opening our technology to become a financial platform
We package UPSIDER's AI credit models, payment processing, and receivables management for our partners. Partners launch financial services under their own brand, and UPSIDER powers the evolution of the industry as a financial platform.
[01]
Corporate Card Platform
AI credit, payments, and receivables — delivered as one package. Partners can issue cards under their own brand.
