Get started now! Kyash is a wallet app compatible with Visa cards.
Top up and deferred payments with one app. Supports Visa Touch payments for smooth online and offline use.
A prepaid card that can be used cardlessly, with instant deposits all within the app.
Includes remittances, shared accounts, spending management, and reward points.
A safe and secure Visa wallet app. If you're unsure, choose Kyash.

Kyash is a wallet app compatible with Visa cards.
A prepaid card-style wallet app that lets you top up, send money, make payments, deferred payments, and manage shared accounts all from your smartphone.
Supports Visa Touch payments and Google Pay, allowing you to use your cardless wallet both online and offline.

[Deferred payments x Visa x Wallet app]
Kyash is a wallet app that combines the previously separate functions of card, wallet, and deferred payments into one.
Enjoy the convenience of using your Visa card worldwide, the peace of mind of being able to control your spending with deferred payments, and the visibility of your money with a wallet app that lets you manage everything from remittances to sharing and savings all in one place.
Convenient Visa card compatibility
Pay later, instantly deposit, and recharge
Point rewards, shared accounts, and expense management
All-in-one design.

[Recharge and Deposit]
Instant recharge from your bank account, convenience store, or online bank.
Prepaid card usage means no need to worry about overspending.

(Charge locations)
▼Banks: PayPay Bank, Mizuho Bank, Sumitomo Mitsui Banking Corporation, Mitsubishi UFJ Bank, Japan Post Bank, Rakuten Bank, Resona Bank, Kansai Mirai Bank, Saitama Resona Bank, Sumishin SBI Net Bank, Sony Bank, etc.
▼Online Banking: Pay-easy
▼Convenience Stores: Seven Bank, Lawson Bank, FamilyMart, Ministop, etc.
▼International Brands: Visa, Mastercard, American Express (Amex), JCB, etc.
▼Credit Cards: Rakuten Card, EPOS Card, Orico Card, Amazon Mastercard, Sumitomo Mitsui Visa Card, Saison Card, PayPay Card, AEON Card, etc.

[Cardless Visa Prepaid Card for Security]
Kyash is a Visa prepaid card that can be used cardlessly.
You can instantly issue a virtual Visa card through the app, allowing you to make online payments instantly.
You can also issue a physical Visa card that supports Visa contactless payment and Google Pay, allowing you to make payments with just a tap.
・Peace of mind with prepaid cards
・Manage both deferred and prepaid balances in the app
・Use anywhere at Visa-accepting merchants
・Pay with your bank account, Kyash balance (Kyash Money), or convenience stores (Lawson, FamilyMart, SeicoMart)
A payment experience that combines the convenience of Visa card, wallet, and deferred payments.

[Easy Money Management]
Kyash is more than just a Visa card app.
It offers powerful wallet management capabilities, eliminating the need for a household accounting app.
Organize your spending and manage top-ups and deferred payments.
Easy money management with instant updates on balances and deferred payments.
・Check spending and deferred payment balances with notifications
・Visualize your financial flow with family and friends with transfers and shared accounts
・Integrate your Visa card, wallet, and deferred payments
The Visa Wallet app is designed to manage your daily spending with peace of mind.

Convenient deferred payment (immediate deposit)
The balance added in real time with instant deposit can be used to make payments with Kyash at any Visa-accepting store!
Kyash's deferred payment feature allows for instant deposits, complete in-app purchases, and no store visit required.
Load your available balance with your smartphone and pay off in full the following month!

- Load immediately after completing application
- Applications accepted from 3,000 to 50,000 yen
- Easily manage with lump-sum deferred payment by the end of the following month.
Kyash is a new wallet app for deferred payment.

Spot Money
Kyash's Spot Money feature allows you to borrow just the amount you need, starting from a minimum of 1 yen, and instantly top up.
Registration and borrowing are all done in the app, accommodating unexpected expenses and delayed payments.
・Register and review via the app, and start using in as little as 15 minutes. (※1)
・The borrowed amount is instantly deposited into your Kyash personal account and can be used for shopping and payments just like a credit card.
・Loan amounts range from 1 yen to 1 million yen, allowing you to choose the amount you need, when you need it. (※2)
・Once deposited, you can withdraw cash at ATMs or convenience stores, or withdraw it to your bank account.
Use Spot Money whenever you need cash, such as when you have an unexpected expense or multiple withdrawals.
(※1) Depending on the time of application and the review process, we may not be able to accommodate your request.
(※2) The maximum loan amount is determined by review, and you can use the funds freely within the set amount.

[Designed for Safety and Security]
The Kyash wallet app combines Visa card-standard security with deferred payment protection.
・Real-time notifications to prevent fraudulent use
・Card lock and deferred payment balance lock features
・Prepaid minimizes losses

A triple-security design combining prepaid, deferred payment, and Visa quality.

Popular even among beginners as a safe wallet app.

[Shared Account/Pair Use]
Kyash's shared account feature makes it easy to share money with family, couples, and housemates.

You can jointly manage deferred payment usage and charge balances, and complete transfers, advance payments, and settlements within the app.

Visa card payments are automatically reflected in the shared wallet, and your balance is visible.

A Visa wallet app shared by the whole family
・Visualize spending with a pair
・Automatic advance payments for deferred payment
Kyash delivers the "money sharing" experience that credit cards simply can't offer.

[Point Rebates]
Earn up to 1% points back on Kyash card spend.
Eligible at Visa-affiliated stores, both in town and online.

Earned points can be used for your next payment or deferred payment.
・Earn automatic cashback when you pay with your Kyash Visa card
・Eligible for both top-up and deferred payments
・Great savings for both prepaid and deferred payments
Kyash is a wallet app that connects spending, saving, and deferred payments.

[Recommended for]
・Want to use Visa card payments without a credit card
・Looking for a wallet app that supports deferred payments
・Want a cardless, instant deposit, and smartphone-based experience
・Want a shared account with family or loved ones
・Want to use Google Pay
・Want safe and secure money management

■Frequently Asked Questions
Q: What kind of app is Kyash?
A: Kyash is a wallet app that supports Visa cards.
You can top-up, transfer, make payments, deferred payments, and manage shared accounts from your smartphone, and it also supports Google Pay.
Kyash is a financial platform that combines the convenience of a Visa card with the flexibility of a wallet app.

Q: What is a wallet app that supports Visa cards?
A: Kyash allows you to instantly issue a virtual Visa card within the app.
This is a cardless wallet app with Visa payment capabilities that can be used online and in town.

Q: What are the benefits of Kyash's deferred payment function?
A: Kyash's "Now Deposit" feature allows for instant top-up, complete the entire process within the app, and no need to visit a branch.
Even if you don't have enough balance, you can complete the entire process from deposit → payment → repayment using the Kyash wallet app with Visa functionality.
You can settle the entire transaction by the end of the following month, allowing you to defer payments without disrupting your household finances.

Q: How easy is it to use a Visa card?
A: Kyash is a Visa prepaid card that can be used at Visa-affiliated stores worldwide.
It can be used cardlessly, and if you issue a physical Visa card, contactless payments are also supported.
Wallet and deferred payment balances are updated instantly, and it also has excellent management capabilities as a Visa wallet app.

Q: What are the management functions of the wallet app?
A: Kyash is an integrated wallet app that eliminates the need for a household accounting app.
Manage top-ups, transfers, deferred payments, and spot money all in one place.
Automatically categorize expenses and graph them by category.
Keep track of expenses and balances with notifications.
Check your Visa card usage history in the app.
Kyash is a wallet app that lets you "view, spend, and organize" your money.

Q: Can I share accounts and send money?
A: Yes.
With Kyash, you can manage your financial transactions with family and partners using shared accounts and pair wallets.
You can share and record your expenses, including Visa card payments and deferred payments, within the app.
It's truly a "wallet app for sharing."

■Operator: Kyash, Inc.
URL: https://www.kyash.co/