ADVASA
日本語 Become a partner
日本語 Investors (opens in a new tab)
Become a partner
Nasdaq: ADBT, investor relations (opens in a new tab)

Everyday is Payday.

Earned wage access, built as infrastructure.

See how it worksHow it works Become a partnerPartners
Investor relations (opens in a new tab)

Work happens every day.
Payroll doesn’t.

Between the work and the payment, earned value exists but can’t be used. For households without savings, that gap is what makes short-term credit feel unavoidable.

Day 0 of 30

Usable so far

Monthly payroll
0 days
0 days worked, none usable until payday
With earned wage access
0 days
Available the day it’s earned.

Illustration: one tile per day worked. Actual access is subject to limits set by ADVASA and the employer.

Day 12 of 30

Usable so far

Monthly payroll
0 days
12 days worked, none usable until payday Payday: all 30 days at once
With earned wage access
12 days
Available the day it’s earned, every day.
Illustration: one tile per day worked. Actual access is subject to limits set by ADVASA and the employer.

Everyday is Payday is not a slogan about speed. It is a statement about who the timing of money is designed to serve.

Earned today. Spendable today.

FUKUPE, ADVASA’s patented earned wage access (EWA) platform, sits between the systems employers already run and the places people want their money.

Employer systems

  • Payroll
  • Time & attendance
FUKUPE Patented EWA platform

Paid out to

  • Bank account
  • Prepaid card
    ADVASA Visa card USDC payments
  • Digital wallet
How FUKUPE works: an employer’s payroll and time-and-attendance systems connect to FUKUPE, which pays earned wages out to a bank account, a supported prepaid card or a digital wallet. On the ADVASA Visa card, the cardholder can also pay in USDC.

  1. Connects to payroll and attendance

    FUKUPE integrates with the HR, payroll and time-and-attendance systems an employer already runs.

  2. Makes earned wages available

    Employees access wages they have already earned, in real time, before payday.

  3. Delivered where they choose

    To a bank account, a supported prepaid card or a digital wallet — and spendable in USDC on the ADVASA Visa card.

Infrastructure, not a lending product.

Access to wages already earned is not credit against wages not yet earned.

Your brand in front. ADVASA underneath.

Besides serving employers directly, ADVASA supplies FUKUPE as an OEM platform: the enterprise runs it under its own name, and ADVASA supplies what sits beneath.

One card. Fiat or USDC.

As of September 2, 2026, the ADVASA Visa card supports payments in USDC as well as conventional currency. The card runs on FUKUPE. USDC is a way to pay with the card, not a currency wages are paid out in.

Pay with

The cardholder chooses which one to spend.

“The addition of USDC payment functionality to the ADVASA Visa card represents another step in expanding the payment capabilities available through our platform.”

Grady Ryther, CEO

Illustration. Not the actual card design.

Four participants. One system.

ADVASA is building the infrastructure for Web3 financial inclusion: the movement of earned value, made immediate, borderless, and open to people the existing system does not reach.

  • Employees

    Receive earned wages without waiting for a settlement cycle, and use them for digital payments.

  • Employers

    Deliver on-demand liquidity to a workforce without the capital constraints of legacy payroll structures.

  • Suppliers

    Settle faster and at lower transaction cost across a secure, always-on network.

  • The Unbanked

    Participate in a financial system that does not require an existing banking relationship to enter.

From ADVASA’s philosophy.

About 1.3 billion adults worldwide have no financial account.

About 900 million of them own a mobile phone.

Source: World Bank, Global Findex 2025 (opens in a new tab)

Patented across borders.

Nine issued patents, with filings in sixteen more jurisdictions.

Four of the certificates in the portfolio

  1. United States US 11,403,612 B2
  2. Singapore 11201905892Q
  3. South Korea 10-2090039
  4. Taiwan Invention I743211
  • Japan Home market · FUKUPE live
  • Preparing market launches Indonesia United Arab Emirates

From Tokyo to Nasdaq.

Advasa Holdings, Inc. is a fintech payment holding company incorporated in Delaware. It operates through its Japanese subsidiary, ADVASA Co., Ltd.

  1. ADVASA Co., Ltd. founded in Tokyo

  2. Advasa Holdings, Inc. incorporated (Delaware)

  3. ADVASA V4 released with international support

  4. Exhibited at WebX 2026, Tokyo

  5. Form S-1 declared effective by the SEC

  6. Trading begins on the Nasdaq Global Market

    Nasdaq: ADBTDirect listing

  7. USDC on the ADVASA Visa card

  8. Next

    Preparing market launches in Indonesia and the UAE

  9. Under study

    Real-world assets

    No RWA product, partner or timetable has been announced.

Put earned wage access under your brand.

This website is operated by ADVASA Global Sdn. Bhd., a company in Malaysia. It handles partnership inquiries for the global rollout of ADVASA.