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Paidy is a Japanese fintech company that offers instant buy now, pay later services to consumers. The company allows customers to make purchases online and in-store without the need for a credit card or pre-registration, and then pay for their purchases later through a consolidated monthly bill. Paidy's services are designed to provide a convenient and secure payment option for consumers, while also helping merchants increase sales by providing a flexible payment solution. Paidy uses proprietary technology to assess and underwrite consumer credit risk in real-time, allowing for quick and seamless transactions. The company's goal is to make shopping more accessible and convenient for consumers while also providing a valuable service to merchants.