ZIRITZ operates StockFormer, an asset-formation platform that applies AI scoring to users’ income, assets, occupation and investment experience to recommend investment properties and structure optimal loans. The service has amassed more than 4,000 registered users, roughly 70 % of whom earn over ¥10 million annually and include executives, doctors, professionals and employees of foreign firms. To broaden its offering, the company introduced StockFormer-ZERO, an automated apartment-planning service that blends financial, real-estate and construction data to manage everything from land selection through design, build and sale. By leveraging big data and AI, StockFormer-ZERO reduces land and building costs by about 20 % and enables investors to pursue newly built apartments or condominiums targeting 7 % yields with minimal personal capital. ZIRITZ collaborates with partner financial institutions and the Saison Group to deliver bridge and end loans, giving lenders a framework to finance projects they previously avoided. The platform currently serves the Tokyo metropolitan area and plans to expand into major cities nationwide while enriching its land and loan data sets and advancing its algorithms. Capital from the latest round will also support recruiting and developing additional talent to sustain these growth initiatives.

Total raised

$5M

Funding rounds

3

Latest round

Series A

Latest activity

Nov 2025