Trust, elevated.

Unlock the full potential of your users and boost your digital transformation through Credify’s suite of award winning digital identity & advanced trust solutions.

About Credify

Background

ASEAN nations represent the best global opportunities for FinTech and E-commerce. In 2020, the USD 72B FinTech industry is showing a compound annual growth rate of 72.5%, while global data monetisation market value is increasing from USD 1.2B in 2019 to USD 2.5B by 2024.

$ 1.2 billion

2019

Global Data Monetization market value*

$ 2.5 billion

2024

*sources: Gartner

Healthcare and Financial services belong to the Top 5 industries using data analytics to increase business efficiency.

Companies are benefiting from data monetization in various ways

To maximize this growth, companies need a way to clamp down on fraud while integrating the most complete customer data from reliable sharepoints. Credify tackles both of these issues head-on with patent-pending technology and the most advanced software for your customer acquisition strategy.

What makes Credify unique?

Open-Architecture Identity Solution

An open-architecture universal identity solution that allows for both data monetisation and plug and play capabilities.

Patent-pending Vouching

An open-architecture universal identity solution that allows for both data monetisation and plug and play capabilities.

Secure Cost-effective Blockchain

An open-architecture universal identity solution that allows for both data monetisation and plug and play capabilities.

Our Technology

Privacy-preserving and user-controlled, with a unique and universal identity solution.

Harnesses crowd intelligence for signaling counterparty credibility.

USPTO Utility Patent No. 16275127 WIPO No. PCT/IB2019/051173

Credify Products

Credify idX

User-controlled data passporting for advanced digital economies.

Credify’s idX (Identity Exchange) product acts as a personal information bridge that connects and integrates e-commerce marketplaces and lending platforms with institutions that possess valuable, yet untapped information. With valid identity verification and credit scores, Credify enables new revenue streams for traditional organisations in a manner that is both secure and compliant with data privacy standards.

How It Works

01
Onboard existing users into the idX ecosystem. A highly secure identity passport gives users both easy access to all your group or company services, and full control over how their personal information is shared. The user gets to enjoy tailored perks and deals with your partners, while your company gets to streamline its compliance with increasingly strict data privacy regulations.
02
Realize new revenue streams from existing KYC and transaction history data. You increase your revenue when you provide user-approved KYC and in-platform activity & transaction history data to third parties. Simultaneously, you gain access to more relevant information on your users.
03
Enhance your user data. As more digital platforms join the idX system, you acquire more accurate and more relevant data, both new and old, that allows you to market more effectively while assessing counterparty risk.
04
Create a user financial profile. For the benefit of users and 3rd party services they employ, transaction history & other verified personal information can provide data that approximates a credit score for billions of people who lack credit scores in existing financial systems, depriving them of access to financial instruments they need.

Credify products use trusted and scalable infrastructure, secured by the most advanced cryptographic tools, to create, utilize, and distribute customer digital identities.

Credify idX

Credify’s idX (Identity Exchange) product acts as a personal information bridge that connects and integrates e-commerce marketplaces and lending platforms with institutions that possess valuable, yet untapped information. With valid identity verification and credit scores, Credify enables new revenue streams for traditional organisations in a manner that is both secure and compliant with data privacy standards.

How it works

01
Offer pre-approval to users for great deals on other complementary services and platforms. Pre-approvals are based on required data thresholds with simple configuration and no programming required.
02
Drastically improve your customer experience with Credify idX-based form-less onboarding while lowering your Customer Acquisition Costs.
03
Achieve pin-point accuracy in your marketing strategy with access to high-quality users from other platforms, supercharged with partner deal pre-approval. KYC & transaction history can serve as the basis for validating 3rd party services and product offerings.
04
Accept deals and receive commissions from other service providers for successful user conversions. As an example, 5M users ☓ $3 per data pack ≈ $15M new revenue per year.

Credify trustX (Trust Exchange)

Reliability & Trust

Source the reputation and reliability of clients and transactions from participants in your surrounding ecosystem.

Vouching & Gamification

Your company’s “loyalty program points” are tokenised and used to vouch for the reputation of products, services, partners, and loans.

Rewarding

Successful vouching grants rewards for backing positive transactional outcomes, while imposing penalties for backing low quality outcomes.

Interoperability

A “loyalty program points” system securely and cost-effectively engineered on blockchain, provides a universal incentive structure for your ecosystem. It can be additionally utilized between group and partner companies who join the broader network.

Trust, elevated.™

Unlock the full potential of your users and boost your digital transformation through Credify's suite of award winning digital identity & advanced trust solutions.

Our Products

idX

Credify’s idX (Identity Exchange) is a user controlled personal information bridge that securely connects and integrates user data across digital ecosystems.

idPass

idPass is a Super App platform built on idX that is the perfect starting point in your digital transformation journey.

serviceX

serviceX (Service Exchange) is the "smart user acquisition" platform you have been waiting for. Leveraging the power of idX, this is ethical lead generation at its finest.

trustX

trustX is Credify's patent-pending peer-to-peer vouching system that incentivizes good behavior and combats fraud in digital marketplaces and alternative finance.

idX

Credify’s idX (Identity Exchange) is a user controlled personal information bridge that securely connects and integrates user data across digital ecosystems.

idPass

idPass is a Super App platform built on idX that is the perfect starting point in your digital transformation journey.

serviceX

serviceX (Service Exchange) is the “smart user acquisition” platform you have been waiting for. Leveraging the power of idX, this is ethical lead generation at its finest.

trustX

trustX is Credify’s patent-pending peer-to-peer vouching system that incentivizes good behavior and combats fraud in digital marketplaces and alternative finance.

Learn more

How we work with you?

1

Analyze

No company's needs are the same. Working closely with all stakeholders, we analyze your organization's particular business and technical needs and identify a strategy that fits within your budget and desired timeframe.

2

Propose

Credify offers a tailored project proposal that details estimated resource requirements from all parties, required customization efforts, costs and schedules.

3

Integrate & Customize

Engineering and project management teams collaborate on customization, integration and deployment. These efforts are managed through agile engineering processes and development sprints.

4

Grow

Your success is our success! Following on from deployment, our team works closely with your organization as your grow your network and data transactions to develop new features aimed at boosting your success.

How We Work With You

1

Analyze

No company's needs are the same. Working closely with all stakeholders, we analyze your organization's particular business and technical needs and identify a strategy that fits within your budget and desired timeframe.
2

Propose

Credify offers a tailored project proposal that details estimated resource requirements from all parties, required customization efforts, costs and schedules.
3

Integrate & Customize

Engineering and project management teams collaborate on customization, integration and deployment. These efforts are managed through agile engineering processes and development sprints.
4

Grow

Your success is our success! Following on from deployment, our team works closely with your organization as your grow your network and data transactions to develop new features aimed at boosting your success.

A Business Model for your Success

Schedule a Demo

Our team

Our core team of developers, business professionals, and technical experts bring you a solid track records of expertise and execution.

Makoto Tominaga
Co-Founder & CEO
Shuichi Nagao
Co-Founder & Director of Engineering
Maurizio Raffone
CFO & Interim COO
Alfonso Delgado Rius
Research Advisor
Keisuke Kanao
Senior Software Engineer
Makoto Tominaga
Co-Founder & CEO
Entrepreneur & investor with a passion for disruptive technologies, Makoto started his career pushing the envelope of wireless handset operating system design at Symbian and Nokia, then joined AuthenTec to lead applications engineering and integration of their embedded biometrics devices with global Tier-1 notebook PC and handset brands. After AuthenTec, Makoto made the transition from engineering to marketing & business development at Validity Sensors, where he spearheaded their embedded product as Technical Marketing Manager and eventually Director of Business Development, APAC. Both companies enjoyed successful exits; following which Makoto began a consultancy and early-stage investment firm whose portfolio now includes some of the leading technology companies in the blockchain space. Makoto is a polyglot with mastery of several East Asian languages, has managed ~60K followers on StockTwits and enjoys diverse subjects, including Finance, Economics, Philosophy and History.
Shuichi Nagao
Co-Founder & Director of Engineering
With us from Credify's inception, Shuichi's an entrepreneurial minded full-stack developer with a wide range of skills. After graduating from the University of Tokyo, Shuichi started his career as a software developer at Candle, Inc., where he built one of the biggest web media platforms in Japan as a core developer. 10 months after joining Candle it was acquired by CROOZ, Inc. After the acquisition, Shuichi moved to AnyPay, Inc. where he built and delivered a P2P money transfer application, called paymo, over the course of one year. Shuichi was the first iOS developer at AnyPay where he led the team. Gross merchandise volume of paymo exceeded 2 million yen a few months after launching. At AnyPay he was also involved in crypto products including an Ethereum wallet. Shuichi is passionate to learn new stuff and enjoys building things in a fast-paced and diverse environment.
Maurizio Raffone
CFO & Interim COO
Maurizio has over 20 years of international finance experience, with expertise in credit derivatives, structured finance and fund management. Prior to Credify, Maurizio’s most recent roles were as Managing Director at UniCredit, Italy’s largest bank, and as Partner at TriSpan LLP, an asset management firm based in London, where he was deputy Chief Investment Officer of TriSpan’s global macro fund. Maurizio holds an MPhil in Financial Economics from the University of Cambridge and a first class honours degree in Economics and Management from Royal Holloway College of the University of London.
Alfonso Delgado Rius
Research Advisor
Alfonso is a PhD student at Imperial College London, where he conducts research at the intersection of law, economics and computer science. His most recent work focuses on split contracts, which are contracts that are governed by both natural language and smart contract code. Alfonso has also given talks on smart contracts and the regulation of initial coin offerings at various conferences and institutions. He is an advisor to several regulatory bodies, investment funds and start-ups working in the emerging technologies space. Prior to this, Alfonso obtained an MSc in Law and Finance from the University of Oxford and graduated with a distinction.
Keisuke Kanao
Senior Software Engineer
Keisuke has been working as a software engineer for more than thirty years, and has a lot of diverse knowledge and experiences, specifically: (1) device drivers, middleware, applications development for Windows and Linux platforms, (2) architectural design (client-server, layered, etc.) of software components, (3) web server/client applications development, desktop applications development, (4) Windows technology (MFC, COM, DirectX/DirectShow, .NET, Driver Frameworks), (5) audio/video compression technology (MPEG/DVD/HDV/MPEG-4/H.264, MP3/AC-3/MPEG-4 AAC), (6) communication (TCP/IP network, USB, IEEE1394). Keisuke has been learning and challenging new software technologies constantly, and, as a result, he accomplished successful first in-house products such as debuggers for Windows at Justsystems Corporation, and such as the MPEG encoder board MVR-D2000, the USB device MTU-2400, and MEDIAEDGE video streaming solution product at Grass Valley K.K.. And as one of his latest challenges, Keisuke has been trying writing smart contracts with EOS from its inception. Keisuke has strong C/C++ coding skill, and to maintain it, he's been challenging the past problems from world-wide programming contests at UVa Online Judge, where, as of writing this (2/8/2020), his ranking is 62 (out of 356,618 users).

Our Partners

TIS Inc.

Investor

TP&P Technology

Investor

Plug and Play Japan

Accelerator

DEEPCORE

Investor

BEENEXT

Investor

Partners

TIS Inc.

Investor

TP&P Technology

Investor

Plug and Play Japan

Accelerator

DEEPCORE

Investor

BEENEXT

Investor

News

Data Regulations For Business

Medium | November 17, 2020

Are you experienced? A though piece written by our advisor Alfonso Rius on data regulations for business.

Read more

Credify partners with FinScore to Empower the Unbanked and Underbanked in the Philippine and Vietnamese markets

Uncategorized | November 10, 2020

We are delighted to announce a partnership between Credify Pte. Ltd. and FinScore to make inclusive credit scoring and data driven insights available for users in Vietnam and The Philippines.

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Credify Selected for Sihub Expara Accelerator Batch 2

Uncategorized | October 19, 2020

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Financial Inclusion in Vietnam

Medium | September 24, 2020

Here is our blog entry on how important financial inclusion is in Vietnam and South East Asia, and what we are doing at Credify to address this key development.

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The Next Data Frontier

Medium | August 10, 2020

Privacy, Identity and Monetization Challenges in Vietnam This article explores a number of privacy, identity, and monetization challenges that online consumers face on a daily basis.

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Credify is a University of Tokyo corporate partner

Business Development | July 6, 2020

Credify is excited to work with The University of Tokyo on their blockchain program and promoting connections between Japan and Southeast Asia.

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Credify joins the Singapore FinTech Association

Business Development | May 8, 2020

Credify is excited to have become a member of the Singapore FinTech Association (the “SFA”). The SFA is a cross-industry non-profit initiative, intended to be a platform designed to facilitate collaboration between all market participants and stakeholders in the FinTech ecosystem. The SFA is designed to be an effective platform for members to engage with multiple stakeholders […]

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Credify announces seed investment by BEENEXT and DEEPCORE

Tech in Asia | February 18, 2020

Credify is proud to announce it has successfully closed a USD $1M seed round investment with two leading Venture Capital funds: BEENEXT and DEEPCORE.

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Credify selected in the Plug and Play Tokyo FinTech accelerator program

Accelerators | December 6, 2019

Credify is excited to announce its selection as a Plug and Play Japan participant in their three-month accelerator program commencing this month. As only two percent of applicants are awarded this opportunity, we feel very honored to have been selected. More details here.

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Credify Singled Out for Future of Financial Services Award

Awards | September 17, 2019

The entire Credify team is honored to have received the UK Tech Rocketships: Future of Financial Services Award. The UK’s Department of International Trade, and Scottish Development International formally presented the award at an event on September 5th called UK Fintech Night in Tokyo, which was held at the British embassy in Tokyo.

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