Japan First! Financial Management System COURAGEUX Releases API Integration Function for Zengin-kyo TIBOR Rates

IDS Co., Ltd. (Headquarters: Oshu City, Iwate Prefecture, Representative Director: Tatsuya Sugawara, hereinafter "IDS") is pleased to announce that its financial management system, COURAGEUX, will release a new function on July 25, 2026, that is the first in Japan (*1) to acquire floating interest rates, including Zengin-kyo TIBOR rates, via API and automatically link them to COURAGEUX.

This function will streamline interest rate change processing during rate revisions by acquiring floating interest rates such as TIBOR rates, Long-Term Prime Rates, and Short-Term Prime Rates via API and importing them into COURAGEUX.

(*1) As of July 1, 2026, based on our own research.

[Background of Development]

In recent years, due to changes in the interest rate environment, the importance of accurately grasping fluctuations in corporate borrowing interest rates and promptly reflecting them in management has increased for corporate finance departments.

Particularly in borrowing contracts linked to TIBOR, the applicable rate fluctuates according to the interest rate revision cycle for each contract, such as one month or three months. Therefore, finance personnel had to manually check the published rates and input/transfer them into borrowing management systems or Excel each time a revision occurred.

As the number of such transactions increases, the confirmation load grows, and the risk of transcription errors or missed updates arises.

COURAGEUX has supported the centralized management of information related to corporate finance, including borrowings, lendings, corporate bonds, and interest rate swaps. With the new TIBOR integration function, we will further streamline rate management operations for floating-rate contracts, contributing to the standardization and improved accuracy of finance department operations.

[Function Overview]

1. Acquire floating interest rates such as TIBOR via API

Rates referenced in floating-rate contracts, such as TIBOR, Long-Term Prime Rates, and Short-Term Prime Rates, are acquired via API and imported into COURAGEUX.

This reduces the work of personnel manually entering rates by checking external websites or documents at the time of contract registration.

2. Streamline rate change processing during interest rate revisions

In floating-rate contracts, there are cases where the interest rate is determined by combining a base rate and a spread, such as "1-month TIBOR + spread" or "3-month TIBOR + spread" for each borrowing contract.

Traditionally, personnel had to check the latest TIBOR rates and manually input them into the relevant contracts for each interest rate revision date.

With COURAGEUX's TIBOR integration function, the system reflects the rates at the time of revision according to the repayment date.

This allows companies with many floating-rate contracts to perform rate change processing more accurately and efficiently.

[About the Financial Management System "COURAGEUX" <Borrowing and Lending Management>]

The financial management system "COURAGEUX" is a cloud-based financial management system that can manage borrowings and lendings. It visualizes the flow of funding for the entire group, not just the headquarters, supports a wide variety of financial products such as syndicated loans and corporate bonds, and realizes advanced daily fluctuating funding and forecast management operations. Furthermore, seamless integration with accounting systems is expected to significantly improve operational efficiency. It provides a future-proof financial management foundation as a subscription service.

URL: https://www.ids-soft.co.jp/brand/

[About IDS Co., Ltd.]

Based on the business knowledge and implementation experience cultivated through system development for customers in various industries and business types, IDS Co., Ltd. handles package sales and services, including its in-house developed solution COURAGEUX, as well as the sales, construction, implementation, and maintenance of ERP packages. Furthermore, based on achievements and experience accumulated in the logistics industry for over 30 years, we also provide logistics systems that satisfy our customers.

[Company Profile] Company Name: IDS Co., Ltd. Head Office Location: 94 Mizusawa Yokomachi, Oshu City, Iwate Prefecture Representative Director: Tatsuya Sugawara Business Activities: System Development, Sales, and Maintenance Established: March 1978 Business Activities: Software Development HP: https://www.ids-soft.co.jp/