Infcurion Launches Credit & Guarantee Option on Xard Embedded Finance Platform

Infcurion launched a Credit Guarantee Option for its Xard card issuance platform on Jul 27, 2026. The feature targets businesses that want to issue branded credit cards but lack credit underwriting expertise. Under the option, Infcurion sets the credit line for each card and guarantees against uncollected payments.

That structure removes the non-payment risk that previously forced many would-be issuers to rely on prepaid cards instead. The option applies to business cards issued to corporations and sole proprietors. Japan's credit card market is projected to reach roughly JPY 184 trillion by fiscal 2030, driven in part by the digitalization of B2B payments.

Infcurion said the new feature is part of a broader effort to expand Xard's functionality and help more businesses offer financial products to their customers.