ABEJA Signs MoU with Singapore-based Lyte Ventures to Explore a Real Estate Joint Venture and Joint Development of an AI Credit Harness

ABEJA, Inc. (Headquarters: Minato-ku, Tokyo; CEO: Yousuke Okada; hereinafter “ABEJA”), which aims to “Implement a Fruitful World” through collaboration between humans and AI, is pleased to announce that it has signed a Memorandum of Understanding (MoU) with Lyte Ventures Pte Ltd (Headquarters: Singapore; Co-founder and CEO: Vincent Ha; hereinafter “Lyte”), a provider of financial solutions for the real estate sector.

The MoU covers, among other matters, exploring the establishment of a joint venture to improve liquidity in Japan’s real estate industry and the joint development of an AI credit harness to support its business.

　■ Background and Objectives

Guided by its corporate philosophy, “Implement a Fruitful World,” ABEJA operates an enterprise platform business centered on ABEJA Platform, enabling customers to successfully implement AI in real-world operations and achieve continuous advancement. ABEJA Platform is an implementation foundation that enables AI to move beyond proof of concept (PoC) to full-scale operational deployment. By integrating decision-making through Agentic AI with execution via Physical AI, it treats data, decision-making, and operations as a unified whole, supporting the advancement of business operations in the physical world.

In Singapore, Australia, and New Zealand, Lyte uses its proprietary credit infrastructure to provide financial solutions that address funding needs associated with real estate transactions, including advance commission payments for real estate agents and advance rent payments for landlords.

As transactions in Japan’s real estate industry become increasingly digital and efficient, flexible financial services that address the diverse funding needs of businesses, landlords, tenants, and other stakeholders are growing in importance. Providing these services requires not only compliance with applicable laws and regulations, but also sound credit decisions, risk management, and transparent assessment processes that can explain the rationale behind those decisions.

Against this backdrop, ABEJA and Lyte have signed this MoU with the aim of improving liquidity and driving business growth in the industry by addressing funding needs associated with transactions within the real estate ecosystem and enhancing credit decision-making.

By combining Lyte’s expertise in real estate finance and credit with ABEJA’s advanced AI implementation capabilities and business foundation in Japan, the two companies will promote the real-world deployment of AI in this challenging field.

Through this initiative, ABEJA aims to expand the application areas of ABEJA Platform and business opportunities in the finance and real estate sectors. Based on its long-advocated 'Human in the Loop' approach—combining the expertise of human experts with the analytical power of AI—ABEJA will proceed with discussions on mechanisms to support faster credit assessments, enhanced credit decision-making, and transparency in the rationale behind decisions.

　■ Overview of the MoU

Under this initiative, ABEJA will provide technology and support collaboration with partners in the Japanese market, while Lyte will be responsible for designing financial services, establishing credit and risk management frameworks, and operating the business. Drawing on their respective strengths, the two companies will conduct detailed studies of the following areas.

(1) Exploring the Establishment of a Joint Venture in Japan

The two companies will explore establishing a joint venture to offer new financial solutions in Japan’s real estate market. They will discuss specific services envisaged to address funding needs relating to real estate agencies’ brokerage commissions, landlords’ rental income, and tenants’ rental deposits and guarantees, among other areas.

(2) Exploring Joint Development of an AI Credit Harness for Japan

To provide the foundation for the financial services to be offered by the joint venture, the two companies will examine the functions and development structure for jointly developing an AI credit harness tailored to the regulations and business practices governing real estate transactions in Japan.

Specifically, they aim to implement mechanisms that support the testing of credit-related hypotheses, the establishment of assessment criteria, and post-disbursement monitoring by combining technologies available on ABEJA Platform with Lyte’s credit infrastructure design and credit assessment methodologies.

They also aim to build a safe credit assessment system that ensures transparency throughout the assessment process by incorporating the “Human in the Loop” architecture, a core strength of ABEJA Platform, to combine AI-based assessments with the judgment of human experts.

(3) Exploring Capital and Business Alliances for a Long-Term Partnership

To establish a long-term cooperative framework and achieve sustainable business growth, the two companies will also discuss the possibility of a strategic investment by ABEJA in Lyte and a business alliance.

The two companies will also discuss establishing global AI partnerships to promote the use of AI with an emphasis on compliance with laws and regulations in each country and region and corporate security policies, as well as ensuring data sovereignty.

ABEJA and Lyte will continue discussions with the aim of defining the business scope, service design, joint venture structure, and other details by around the end of March 2027.*

ABEJA will continue to support the use of AI in mission-critical operations through ABEJA Platform and drive the transformation of industrial structures.

* This MoU is an agreement to explore, among other matters, the establishment of a joint venture, the joint development of an AI credit harness, and a strategic investment. The implementation of each measure will be determined following further discussions, necessary approvals, and the execution of definitive agreements, among other steps. The target timing above may change depending on the progress of these studies and other factors.

　■ About Lyte Ventures Pte Ltd

Guided by its mission “To create an assured future for all,” Lyte provides financial solutions that address funding needs in the real estate sector. Its AI real estate credit platform powers offerings including LytePay, which provides commission advances for real estate agents, and LyteLease, which provides rental advances for landlords. The platform uses AI models trained on loans originated by Lyte and actual repayment data. It verifies receivables using information from sources such as real estate agencies and lease agreements, and sets credit limits and risk-based pricing. Through these activities, Lyte aims to expand financing options for people across the real estate ecosystem while enhancing safety and transparency for capital providers.

Office Address: 36 Hongkong Street #04-01, Singapore 059675

Established: August 21, 2017

Representative: Vincent Ha, Co-founder and Chief Executive Officer

Business: Financing services and credit infrastructure for the real estate ecosystem

URL: http://lyte.co

　■ About ABEJA, Inc.

Guided by its corporate philosophy, “Implement a Fruitful World,” ABEJA operates an enterprise platform business centered on ABEJA Platform, enabling customers to successfully implement AI in real-world operations and achieve continuous advancement. ABEJA Platform is an implementation foundation that enables AI to move beyond proof of concept (PoC) to full-scale operational deployment. By integrating decision-making through Agentic AI with execution via Physical AI, it treats data, decision-making, and operations as a unified whole, supporting the advancement of business operations in the physical world. Furthermore, based on an architecture premised on “Human in the Loop,” where humans and AI collaborate, it enables the practical deployment of AI from the initial stages, achieving “Zero PoC.” This makes it possible to continuously enhance AI while integrating it into business processes, even for mission-critical operations.

Office Address: 2F Bizflex Azabu-Juban, 1-1-14 Mita, Minato-ku, Tokyo

Established: September 10, 2012

Representative: Yousuke Okada, Representative Director and CEO

Business: Enterprise Platform Business, enabling customers to successfully implement AI in real-world operations and achieve continuous advancement

URL: https://abejainc.com