“More Than PSP”
Taking on the Financial Services Sector Beyond Payment Processing!

Currently, UPC continues to grow both revenue and profits, steadily advancing the stabilization of its business foundation. As a result, we are now ready to take on new challenges. Furthermore, every member of UPC is proactively addressing business and social issues, driving significant organizational evolution.

Following the fiscal year-end in December 2025, a new fiscal year began in January 2026. This year marks a pivotal moment as we integrate into the UNIVA・Oak Holdings group and embrace the new responsibilities and opportunities that come with being a publicly listed subsidiary.

Going forward, we are entering a phase where the market strongly expects us to enhance our corporate value—not merely through growth in sales and profits, but also through our social impact, contributions to solving societal challenges, and innovation. Therefore, UPC is at a critical juncture where it must transform beyond the framework of its traditional PSP (payment service provider) business to become a key player in creating value within the new financial market.

UPC has identified the following three pillars for becoming “More Than a PSP”:
The essence of this value lies in enabling cross-border transactions with strict compliance, speed, and low costs. In other words, it is the very embodiment of UPC’s mission: “To maximize the value flowing through commerce with ideas and technology.”

・Payment Orchestration
Payment Orchestration is a concept of optimization that is indispensable in today’s increasingly globalized payment industry. To realize UPC’s purpose of “anytime, anywhere, anyone,” it is necessary to build a flexible and advanced payment environment capable of accommodating diverse usage scenarios . This involves analyzing and integrating the unique and complex payment systems that exist around the world to provide an optimized, smart payment experience. This approach extends beyond the payment domain to serve as a critical foundation for all economic and commercial flows.

・Remittance
UPC has long aimed to build a system that centrally manages diverse payment methods from around the world. In addition to this, we will now take on the challenge of entering the money transfer business to support cross-border transactions themselves.
Guided by the philosophy of Payment Orchestration, we will further pursue the streamlining of transaction processes and enable intermediate transactions between fiat currencies using stablecoins, in addition to fiat money. This will simplify complex fund transfers and aim to optimize global remittances and payments.

・Finance
UPC currently has over 50,000 merchant partners and processes more than 20 billion yen in payments monthly. A robust ecosystem has already been established, where the growth of our merchant partners drives UPC’s growth.
Leveraging this foundation, UPC offers early payment and factoring services secured by settlement funds to support merchant growth—that is, to create new investment opportunities. Beyond this, UPC aims to expand into financial services such as lending and advance financing to provide more comprehensive financial support.

When these goals are achieved, UPC will realize its vision of being “More Than a PSP.” Looking ahead to this goal, we faced the challenge that achieving it on our own would take a considerable amount of time. However, we have the UNIVA Group and UNIVA Oak as our “NAKAMA.”

To realize “More Than PSP,” the most rational strategy is to fully leverage the strength of our global group, starting with UNIVA Securities. Furthermore, as a group, we can create the functions and value that are currently lacking.

We now have a variety of options available to us.
The path to our “financial business,” with full-scale operations slated to begin in three years, is already spread out before us.

UNIVA Paycast Limited
President and CEO
Shuhei Nakao