Infcurion's 'Xard' and 'CharG' Adopted as Payment Infrastructure for Seven Bank's Parent-Child Educational Service 'money ring'

Infcurion Inc. (Headquarters: Chiyoda-ku, Tokyo; President and CEO: Koki Maruyama; hereinafter 'Infcurion') announces that its next-generation card issuance platform 'Xard (Exard)' and charging platform 'CharG (Chargy)' have been adopted as the payment infrastructure for Seven Bank Co., Ltd. (Headquarters: Chiyoda-ku, Tokyo; President: Masaaki Matsuhashi; hereinafter 'Seven Bank')'s new parent-child educational service 'money ring,' which will launch on July 16, 2026.

Seven Bank's 'money ring' is a next-generation financial literacy enhancement service that combines an allowance management app with a Visa prepaid card issued by Seven Bank, enabling children to actively develop essential life skills such as planning and judgment through everyday financial experiences. Infcurion supported the launch of this service by integrating 'Xard,' the platform that supports the issuance and management of Visa prepaid cards by Seven Bank, with 'CharG,' which enables charging from Seven Bank ATMs nationwide and credit cards, thereby establishing a secure, safe, and consistent payment environment for the service.

This initiative expands the use cases of 'Xard'—previously proven in numerous B2B (business-to-business) applications—into the B2C (business-to-consumer) card issuance domain.

[Background and Value Realized by 'Xard' and 'CharG']

With the revision of educational guidelines increasing the importance of financial and economic education, there is growing demand for practical opportunities for children to develop financial literacy in daily life. Seven Bank has positioned the enhancement of next-generation financial literacy as a key initiative and developed 'money ring' as a new educational service that encourages children to think independently about money.

Infcurion supports Seven Bank, the card issuer, by providing 'Xard,' an API-based platform that centralizes the issuance and management of Visa prepaid cards, and 'CharG,' which seamlessly integrates charging networks. As a result, 'money ring' delivers a seamless user experience where children can make secure payments at Visa merchant locations within the limits pre-charged by parents via the app.

[Key Benefits of Adopting 'Xard' and 'CharG']

1. End-to-End, One-Stop Construction of a Consistent Payment Environment

By combining 'Xard,' which manages the lifecycle of Visa prepaid cards, with 'CharG,' which supports charging from Seven Bank ATMs nationwide and credit cards, the solution enables a complete payment operation—from issuance to instant charging and transaction history visibility—without the need for companies to build their own complex payment systems.

2. Comprehensive Support Framework

Beyond providing a payment infrastructure, Infcurion offers extensive support, including UI/UX expertise and comprehensive assistance with the registration and operation of prepaid payment instruments for issuers. This support reduces barriers to entry in card issuing by backing issuers on operational and governance challenges, contributing to the development of services that balance usability and reliability.

3. High Flexibility and Scalability to Meet the Needs of Startups and Enterprises

'Xard' enables the integration of financial and payment functions optimized for a company’s business model via open APIs. Infcurion will continue to propose and deliver flexible payment solutions tailored to diverse governance requirements and user needs for enterprises and startups considering launching card issuance services.

※1 The issuer of the Visa prepaid card for 'money ring' is Seven Bank. Card issuance under the Visa brand is made possible through the framework of Life Card Co., Ltd., the BIN sponsor.

◆ For applications and details on 'money ring'

URL: https://www.sevenbank.co.jp/personal/other-services/moneyring/

◆ Overview of 'Xard'

'Xard' is a next-generation card issuance platform that enables simple and low-cost issuance of proprietary JCB/Visa cards (virtual/physical) via API integration. It offers modular access to essential card issuance functions, meeting the business needs of a wide range of companies—including fintech firms, financial institutions, retailers, and web service providers—regardless of their business model. By integrating various API functions provided by 'Xard' into their own services, companies can create innovative user experiences.

'Xard' Service Page: https://infcurion.com/xard/

'Xard' Brochure Download: https://infcurion.com/xard/download/

◆ Overview of 'CharG'

'CharG' is a charging platform that allows companies to quickly integrate diverse charging methods—such as real-time bank account transfers, postpaid charging, and ATM charging—into their services without building proprietary charging infrastructure.

'CharG' Service Page: https://infcurion.com/charg/

About Seven Bank

Seven Bank provides unique financial services that deliver 'convenience' and 'trust and security.' Its primary business is the ATM platform, with over 28,000 ATMs deployed nationwide—not only in Seven-Eleven stores but also in commercial facilities, tourist destinations, airports, and train stations. It serves over 680 financial institutions and corporate clients, meeting diverse customer needs.

URL: https://www.sevenbank.co.jp/

About Infcurion

Infcurion is the 'Fintech partner for all industries and services,' implementing optimal payment and financial functions for society. The company develops technologies and platforms that allow flexible, modular use of diverse financial services and provides consulting for cashless payment initiatives. Leveraging years of consulting expertise and strengths in modern, flexible next-generation payment systems, Infcurion offers an 'end-to-end payment platform' that covers all payment scenarios—from B2C cashless payments to B2B corporate settlements.

We work closely with clients’ business strategies, comprehensively supporting everything from Fintech strategy formulation to the creation of new financial services. By supporting leading companies across industries through payments and finance, we aim to solve societal challenges and deliver rich customer experiences.

Company Name: Infcurion Inc.

Established: May 1, 2006

Representative: President and CEO Koki Maruyama

Headquarters: 5-7-2 Kojimachi, Chiyoda-ku, Tokyo MFPR Kojimachi Building 7F

Affiliated Organizations: Japan Fintech Association

Cashless Promotion Council

General Incorporated Association