Moneyfarm operates a tokenized marketplace for “farm tickets,” which are fractional monetary claims (金銭債権) backed by real‑world contracts. Investors can purchase tickets from ¥10,000, earn mid‑risk, mid‑return yields (around 8‑9% annualized) over short 1‑2 month cycles, and manage the entire process online with compliance oversight from licensed securities professionals.
Funding
$13.4M raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
Founders
Product
Problem
Investors seeking higher returns often face a trade‑off between high‑risk assets like stocks/FX and low‑yield, low‑risk products such as deposits or government bonds. Additionally, traditional investment products can require large minimum amounts and lengthy lock‑up periods, limiting accessibility for retail participants.
Solution
Moneyfarm offers a tokenized marketplace for “farm tickets,” which represent fractionalized monetary claims (金銭債権) backed by real‑world contracts. Users purchase these digital tickets in units as low as ¥10,000, gaining a proportional claim to the underlying cash flow. The tickets are issued on a blockchain, enabling transparent tracking of issuance, ownership, and settlement while remaining non‑transferable to external wallets. Each ticket matures over a short horizon (typically 1–2 months), delivering a fixed or predictable return that is less sensitive to market volatility than equities. The entire process—from ticket selection and purchase to receipt of funds—is conducted online, allowing investors to start with minimal effort and capital. Moneyfarm’s compliance framework, overseen by licensed securities professionals and legal advisors, ensures that the tokenized claims adhere to Japanese financial regulations.
Target Audience
Primary customers are retail investors in Japan seeking mid‑risk, mid‑return opportunities with short lock‑up periods, as well as fintech platforms looking to offer tokenized debt products to their user base.
Features
- Tokenized monetary claims (金銭債権) issued as on‑chain “farm tickets” with 1:1 mapping to underlying cash‑flow rights
- Fractional purchase minimum of ¥10,000, enabling low‑cost entry for retail investors
- Short investment cycles (average 1–2 months) with annualized returns around 8–9 %
- Online-only workflow: ticket selection, payment via bank transfer, and automated settlement to the investor’s bank account
- Classification of tickets into fixed, future, and aggregate claim types, providing clarity on repayment schedules and risk profiles
- Compliance oversight by a licensed securities firm and leading law firm, with regular consultation of the Financial Services Agency
- Dashboard view of “your farm” showing ticket status, growth progress, and expected payout dates