Welfare-Oriented Cashless Service KAERU Raises Capital Through Third-Party Allotment with Tamashin Regional Future Co-creation Fund as Underwriter; Concludes Business Alliance Agreement with Tama Shinkin Bank
KAERU Inc., a provider of welfare-oriented cashless services, has completed a third-party allotment of shares with the "Tamashin Regional Future Co-creation Fund" as the underwriter and entered into a business alliance agreement with Tama Shinkin Bank. This initiative aims to promote the introduction of "KAERU Biz for Long-term Care and Welfare" in welfare facilities within Tama Shinkin Bank's service area, enhancing financial management support for the elderly and disabled.
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- 📰 Published: April 27, 2026 at 19:10
- 🔍 Collected: April 27, 2026 at 10:31
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KAERU Inc. (Headquarters: Chuo-ku, Tokyo; Representative Director: Tomohiro Okada), a provider of welfare-oriented cashless services that streamline monetary transactions in long-term care and disability welfare, announced that it has completed a third-party allotment of shares with the "Tamashin Regional Future Co-creation Fund" as the underwriter. This fund was established by Tama Shinkin Bank (Headquarters: Tachikawa City, Tokyo; President: Masahiko Kanai) and SNET Investment Inc. (Headquarters: Chiyoda-ku, Tokyo; Representative Director: Nobuhiro Koizumi). Furthermore, through the conclusion of a business alliance agreement with Tama Shinkin Bank, KAERU will promote the creation of a new system that does not rely on cash transactions, collaborating with welfare facilities, including long-term care facilities and disability welfare facilities, and regional financial institutions within Tama Shinkin Bank's service area.
■ Objectives and Outlook of the Capital and Business Alliance
Founded in October 2020, KAERU aims to create "a world where everyone can continue to enjoy shopping" by providing services that support cashless financial management in long-term care and disability welfare settings. We offer services tailored to various situations, such as purchasing daily necessities at long-term care and disability welfare facilities, guardianship support by social welfare councils, and remote monitoring by family members living apart.
Through this third-party allotment and business alliance agreement, we will advance the following initiatives, primarily in the Tama region of Tokyo, which is Tama Shinkin Bank's service area:
* Promoting the introduction of "KAERU Biz for Long-term Care and Welfare" to regional long-term care and disability welfare facilities.
* Expanding financial management support for the elderly, including single-person households, and people with disabilities.
* Building new cash flow systems that do not rely on cash, connecting regional welfare providers and financial institutions.
* Exploring collaborations in various fields, such as joint consideration of value-added services beyond finance.
By combining the trust and network cultivated by Tama Shinkin Bank as a regional financial institution with KAERU's welfare-oriented cashless technology, we aim to realize a new form of regional support that transcends the boundaries of finance.
■ Social Issues KAERU Aims to Solve
As Japan's population ages, the number of people with dementia continues to increase. It is estimated that by 2030, there will be 5.23 million people with dementia, and approximately 11 million including those with mild cognitive impairment (MCI), accounting for about 30% of the elderly population. A decline in cognitive function can happen to anyone with age, and it is not uncommon for it to hinder financial management.
Furthermore, daily financial management is a significant challenge for people with intellectual disabilities and mental disabilities. Appropriate financial management support is essential for people with disabilities to continue living independently in their communities. However, current systems primarily rely on cash, placing a significant burden on caregivers.
To create an inclusive society where both the elderly and people with disabilities can live safely and true to themselves, it is necessary to re-examine the very nature of monetary transactions.
In long-term care and disability welfare facilities, cash transactions occur daily for residents' daily necessities purchases and outings. The series of tasks, where facility staff go to bank counters to withdraw cash, hand it to users, and record its usage, requires a lot of time and effort. Moreover, as bank branch consolidations and counter reductions progress, the burden and risk of handling cash itself are increasing year by year.
KAERU aims to provide a sustainable system for caregivers and an environment where individuals can continue to enjoy shopping with peace of mind, by becoming a welfare-oriented cashless infrastructure that supports the financial management of the elderly and people with disabilities.
■ Comment from Mr. Shunsuke Kumagai, Value Creation Department, Tama Shinkin Bank
In the Tama region, where Tama Shinkin Bank is based, the aging population is also advancing, and we are keenly aware that issues difficult to solve with financial services alone are becoming apparent. Specifically, the burden of cash transactions between long-term care and disability welfare facilities and the difficulty of financial management for single-person households are precisely the themes that we, as a regional financial institution, should address.
We empathize with KAERU's vision and have decided to invest through the Tamashin Regional Future Co-creation Fund. By combining KAERU's welfare-oriented cashless technology with Tama Shinkin Bank's regional network, we aim to jointly build a foundation for a more secure life for regional welfare providers and their users.
■ Comment from Tomohiro Okada, Representative Director, KAERU Inc.
KAERU Inc. aims to provide gentle financial services and build a society where everyone, including the elderly with age-related cognitive decline and people with intellectual or mental disabilities, can continue to enjoy shopping and live with peace of mind. We are delighted to collaborate with Tama Shinkin Bank, a financial institution deeply rooted in the community. By working together with long-term care facilities and disability welfare facilities...
■ Objectives and Outlook of the Capital and Business Alliance
Founded in October 2020, KAERU aims to create "a world where everyone can continue to enjoy shopping" by providing services that support cashless financial management in long-term care and disability welfare settings. We offer services tailored to various situations, such as purchasing daily necessities at long-term care and disability welfare facilities, guardianship support by social welfare councils, and remote monitoring by family members living apart.
Through this third-party allotment and business alliance agreement, we will advance the following initiatives, primarily in the Tama region of Tokyo, which is Tama Shinkin Bank's service area:
* Promoting the introduction of "KAERU Biz for Long-term Care and Welfare" to regional long-term care and disability welfare facilities.
* Expanding financial management support for the elderly, including single-person households, and people with disabilities.
* Building new cash flow systems that do not rely on cash, connecting regional welfare providers and financial institutions.
* Exploring collaborations in various fields, such as joint consideration of value-added services beyond finance.
By combining the trust and network cultivated by Tama Shinkin Bank as a regional financial institution with KAERU's welfare-oriented cashless technology, we aim to realize a new form of regional support that transcends the boundaries of finance.
■ Social Issues KAERU Aims to Solve
As Japan's population ages, the number of people with dementia continues to increase. It is estimated that by 2030, there will be 5.23 million people with dementia, and approximately 11 million including those with mild cognitive impairment (MCI), accounting for about 30% of the elderly population. A decline in cognitive function can happen to anyone with age, and it is not uncommon for it to hinder financial management.
Furthermore, daily financial management is a significant challenge for people with intellectual disabilities and mental disabilities. Appropriate financial management support is essential for people with disabilities to continue living independently in their communities. However, current systems primarily rely on cash, placing a significant burden on caregivers.
To create an inclusive society where both the elderly and people with disabilities can live safely and true to themselves, it is necessary to re-examine the very nature of monetary transactions.
In long-term care and disability welfare facilities, cash transactions occur daily for residents' daily necessities purchases and outings. The series of tasks, where facility staff go to bank counters to withdraw cash, hand it to users, and record its usage, requires a lot of time and effort. Moreover, as bank branch consolidations and counter reductions progress, the burden and risk of handling cash itself are increasing year by year.
KAERU aims to provide a sustainable system for caregivers and an environment where individuals can continue to enjoy shopping with peace of mind, by becoming a welfare-oriented cashless infrastructure that supports the financial management of the elderly and people with disabilities.
■ Comment from Mr. Shunsuke Kumagai, Value Creation Department, Tama Shinkin Bank
In the Tama region, where Tama Shinkin Bank is based, the aging population is also advancing, and we are keenly aware that issues difficult to solve with financial services alone are becoming apparent. Specifically, the burden of cash transactions between long-term care and disability welfare facilities and the difficulty of financial management for single-person households are precisely the themes that we, as a regional financial institution, should address.
We empathize with KAERU's vision and have decided to invest through the Tamashin Regional Future Co-creation Fund. By combining KAERU's welfare-oriented cashless technology with Tama Shinkin Bank's regional network, we aim to jointly build a foundation for a more secure life for regional welfare providers and their users.
■ Comment from Tomohiro Okada, Representative Director, KAERU Inc.
KAERU Inc. aims to provide gentle financial services and build a society where everyone, including the elderly with age-related cognitive decline and people with intellectual or mental disabilities, can continue to enjoy shopping and live with peace of mind. We are delighted to collaborate with Tama Shinkin Bank, a financial institution deeply rooted in the community. By working together with long-term care facilities and disability welfare facilities...