Payments
Contactless payment at home and abroad. From everyday purchases to train rides, one ring covers it — tips included.
WearToPay Ring
Your whole life, in one ring.
Partners and networks
01Vision
Everything in daily life,
on a single ring.
A next-generation wearable that brings payments, authentication, healthcare and control together — in pursuit of wellness.
Authentication
Lock and unlock your home, open a hotel room, and pass through airport lounges and boarding gates.
Healthcare
Heart rate, sleep and activity, measured seamlessly around the clock — with menstrual cycle tracking as well.
Control
Unlock and start a car, and operate smart devices such as AR glasses.
02Where you use it
One tap, across every part of the day
Tap, and it is paid
Tap the ring on the terminal. No phone to pull out, no card to pick from a wallet.
One ring. Any train. Across Asia.
Tap to ride on major transit systems across Japan, Singapore, Hong Kong and Malaysia.
The card travelers choose
A ring that pays off in Japan clearly sets your card apart from competitors. Perks delivered through e-coupon integration keep members using it.
Sleep, heart rate and temperature — never off
Continuous data, possible only with round-the-clock wear, powers offers tailored to each member.
Lounges and gates, without a pass
Gyms, hotels and airport lounges — entry for all of them on the same ring.
Unlock and start, hands free
From the front door to the car — all with the same tap.
03Where it works
In shops, at stations, and abroad
Wherever Visa / Mastercard contactless is accepted, a tap of the ring is all it takes.
At contactless-enabled shops at home and abroad, it works just like your everyday card. Simply tap the ring on the terminal.
- Supermarkets
- Convenience stores
- Restaurants
- Cafés
- Drugstores
- And more
04Why it is safe
The card number never goes on the ring
Tokenization replaces the real card number with a substitute — a token. Only the token is written to the ring; the card number itself never travels.
Card number4242 •••• •••• 4242
Token requesterSwapped for a token
RingStores the token only
No card number stored
Neither the ring nor the merchant ever holds the real card number. Even if data leaks somewhere, the card number stays protected.
Authenticated on every payment
Each tap authenticates the token over the Visa / Mastercard network. The transaction completes only once authorization returns.
Keys and tickets, tokenized too
Door keys and boarding tickets are tokenized on the same principle, carrying the same level of protection beyond payments.
05Why adopt it
More usage, top of wallet and product revenue — together
As AI automates everyday life, people grow more sensitive to small frictions. We make paying require no conscious effort — and that difference in experience translates directly into usage frequency, top-of-wallet status and new revenue.
Explore solutionsUsage
Worn around the clock, the ring embeds your card in daily life. It is always on hand, so payment moments multiply — and tapping is easier than reaching for a phone.
Top of wallet
The ring itself is the payment device. It sidesteps the fight for the default slot in mobile wallets and becomes the card members reach for first.
Product revenue
Ring sales add a new revenue stream on top of card issuance fees.
- Steps to go live
- 4From agreement to live payments in as few as four steps
- Changes to existing systems
- 0Runs on the Visa / Mastercard network — integration only
- Wear time
- 24hWaterproof. The payment model never needs charging
- Tap-to-ride lines in Japan
- 155+Ride 155+ lines nationwide with no extra registration
- Group merchant network in Japan
- 125,000+Merchant locations served by group company Valuedesign
06What you get
Not just a ring — everything that makes it pay
- 01
The ring
Ceramic or metal, in three widths and a full size range — designed to pass as jewelry.
- 02
Mobile app
The app members use to enroll a card and pair it with the ring.
- 03
Token connectivity
A token requester environment, connected and configured, that swaps the card number for a token and provisions it to the ring.
- 04
Account management
API integration with your core systems to manage tokens and accounts.