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JCB, together with Resona, Realize a New Purchasing Experience: The World’s First Full-Scale Project to Commercialize Ultra-Wideband (UWB) Payments
TOKYO
JCB Co., Ltd. (JCB), together with Resona Holdings, Inc. (Resona; TSE: 8308), announced the start of a project to commercialize ultra-wideband (UWB) payments that realize a new purchasing experience using UWB communication.
The two companies have agreed to launch the world’s first full-scale project for the practical application and commercialization of UWB payments. In 2026, JCB will work with multiple technology partners and collaborating merchants to demonstrate payment technology and value-added solutions for merchants, as well as user experience building projects to create new purchasing experiences. On top of that, JCB aims to launch small-scale commercial operations in 2027 and full-scale commercialization in earnest in 2028.
The two companies are participating in the FiRa® Consortium, which standardizes and contributes to the development of UWB communication technology, as well as builds new payment experiences and value-added solutions for stores using UWB technology.
About the UWB Payment Project
Through the activities of the FiRa Consortium, JCB, and Resona will standardize technologies and experiences for payment applications, and with the support of FiRa Consortium’s participating vendors, conduct technology tests. From 2026, the two companies will demonstrate UWB payments and value-added solutions together with multiple partner merchants and provide feedback to FiRa on the necessary technology development.
In parallel, JCB and Resona will conduct research on user experience and store payment operations to confirm user and merchant acceptability.
Moreover, to reduce the introduction load for merchants as much as possible, the project aims to build a payment infrastructure that can widely accept payment solutions using UWB from competitors. The project is aimed to launch on a small scale in 2027 and commercialize on a full-scale in 2028.
In addition, the two companies will aim to realize new UWB payments through collaboration with a wide range of partners in Japan and other countries.

The Background of This Project
UWB communication technology is a short-range wireless communication technology that has the characteristics of (1) accurate location of devices and (2) high-speed data communication and is being used in Japan and overseas for location verification of digital keys for cars and homes, indoor navigation, and tags.
The technology is also used overseas in gateless public transportation systems. In the future, it is expected to be used for payments, as with NFC (Near Field Communication) and QR codes.
Outside Japan, the spread of smartphones with UWB functions has been slow, but in Japan, smartphones that can use UWB communication are widely available, and can be utilized in advance of the rest of the world. Moreover, the diversification of cashless payments and the wide range of value-added solutions for users and stores are also characteristics of Japan’s payment scene. The project believes that it is necessary to take advantage of this location and create new payment solutions to solve problems for users and stores and meet the needs of new solutions.
Overview of “UWB Payments”
UWB payments can greatly improve the purchasing experience. Until now, it has been necessary to physically touch a card or smartphone at a payment terminal in a merchant or to scan a QR code. UWB payments will leverage short-range communication characteristics to create a new purchasing experience, such as hands-free payments even with a smartphone in a pocket or bag, and to instantly convey user information, such as diet restrictions, to merchants.
Also, by utilizing the accurate location information of smartphones, it is possible to realize value-added solutions for both users and merchants that have never been seen before, such as improving the efficiency of navigation and waiting in stores, distributing personalized advertisements and coupons using smart displays, and providing new customer service for VIP customers. It is expected to be used not only to improve the experience but also to be used as a labor-saving solution to address labor shortages.

Examples of value-added solutions:
- Provide communication functions for both users and merchants. For example, it can be used to automate the communication of requests such as food allergy information, whether or not plastic bags are needed, whether receipts are present and addressed, loyalty program information, whether coupons are available and used, and requests such as handicap and assistance needs, and children’s chair preparations.
- Provide special customer service experiences for VIP customers and support store operations. Customers can receive a special customer service experience without verbally communicating with the merchant’s staff, allowing stores to provide appropriate customer service based on specific customer needs.
- Enable 1-to-1 marketing capabilities for customers. Marketing utilization, such as displaying personalized information on smart displays near customers, distributing coupons to customers, and displaying personalized pricing.
Past UWB Payments Initiatives
In January 2024, JCB and Resona entered into a strategic partnership for the “Hands-free Payment” project, an initiative to build a new payment experience that does not require smartphone operation using device-to-device communication technology. Using UWB communication technology by linking the smartphones held by customers who visit the store with payment terminals and various IoT devices installed in the store, it allows customers to complete the payment process from authentication to payment procedure without taking out a smartphone or activating the screen, and even keeping their smartphone in their bag or pocket. By utilizing this solution, customers can grasp information at the time of their visit to the store and receive customer service and new in-store experiences, such as providing services for VIPs, preferential treatment, and coupon distribution.
JCB also announced the development of a UWB-enabled app for iPhones and Apple Watches to support the project, along with a reference model of store checkout equipment and the launch of user testing. Through these efforts, JCB and Resona have been discussing and collaborating with their collaborative partners on technologies and business models.
Looking ahead, JCB and Resona will work with multiple technology partners and collaborating merchants to carry out proof-of-concept initiatives for payment and merchant value-added solutions in 2026, with a phased commercial rollout planned for 2027 and full-scale commercialization targeted for 2028.
About FiRa Consortium
The FiRa Consortium is a member-driven organization dedicated to transforming the way we interact with our environment by enabling precise location awareness for people and devices using the secured fine-ranging and positioning capabilities of Ultra-Wideband (UWB) technology. FiRa does this by driving the development of technical specifications and certifications, advocating for effective regulations, and defining a broad set of UWB use cases. To learn more about UWB and the FiRa Consortium, visit www.firaconsortium.org.
About Resona Holdings, Inc.
With the Group’s purpose of “Making the future positive with finance +,” we continue to take on the challenge of transformation and creation in order to transform the future into a positive one with ideas that go beyond the framework of finance. Adhering to our basic stance of “customer joy is Resona’s joy,” we will work to “strengthen value creativity” and “next-generation management infrastructure” to respond to customers and local communities.
About JCB Co., Ltd.
JCB is a major global payment brand and a leading credit card issuer and acquirer in Japan. JCB launched its card business in Japan in 1961 and began expanding worldwide in 1981. Its acceptance network includes about 71 million merchants worldwide. JCB Cards are now issued mainly in Asian countries and territories, with more than 175 million cardmembers. As part of its international growth strategy, JCB has formed alliances with hundreds of leading banks and financial institutions globally to increase its merchant coverage and cardmember base. As a comprehensive payment solutions provider, JCB is committed to delivering responsive, high-quality products and services to all customers worldwide.
For more information, please visit: www.global.jcb/en/
Contact
Anna Takeda
JCB Corporate Communications
Tel: +81-3-5778-8353
Email: [email protected]
Uncategorized
Florida Homeowners Are Transforming Backyards with Custom Patio Tiki Huts
Ocala, FloridaGrowing interest in outdoor living projects is prompting more Florida homeowners to invest in custom patio tiki huts, creating shaded, resort-inspired backyard spaces that enhance entertainment, comfort, and year-round outdoor enjoyment while contributing to broader outdoor living trends.
Growing interest in outdoor living projects is prompting more Florida homeowners to invest in custom patio tiki huts, creating shaded, resort-inspired backyard spaces that enhance entertainment, comfort, and year-round outdoor enjoyment while contributing to broader outdoor living trends.
Ocala, Florida
Outdoor living continues to be a major focus for homeowners across Florida, with growing interest in projects that enhance backyard entertainment, comfort, and functionality. As more property owners invest in patios, pools, outdoor kitchens, and gathering spaces, custom patio tiki huts are emerging as a distinctive way to create shaded, resort-inspired outdoor environments. Industry trends point to continued demand for outdoor living improvements, and Tiki Palm Huts is seeing increased interest from homeowners seeking customized backyard solutions
Florida homeowners are reimagining how they use their outdoor spaces, turning traditional patios and backyards into functional extensions of the home. Outdoor living areas have become increasingly important for entertaining, relaxing, and spending time with family and friends, particularly in a state known for its year-round outdoor lifestyle.
Industry data reflects this growing interest. According to Fixr’s 2025 Outdoor Living Trends Report, 56% of architecture, construction, and remodeling professionals reported that homeowners are more willing to invest in outdoor spaces than they were the previous year. The same report found that 98% of experts believe updated outdoor spaces can have a significant impact on home value.
One trend gaining attention is the use of custom patio tiki huts as part of larger outdoor living projects. Homeowners are increasingly incorporating covered outdoor gathering spaces into backyard designs that often feature pools, patios, outdoor dining areas, landscaping improvements, and outdoor kitchens.
According to Tiki Palm Huts (Native American Chiki Huts/Tiki Huts LLC), interest in patio tiki huts has continued to grow as property owners search for unique ways to maximize the enjoyment of their outdoor spaces. Unlike conventional patio covers, patio tiki huts offer a distinctive tropical appearance while also providing shade and functional gathering areas.
“Many of the homeowners contacting us are looking for ways to make better use of their outdoor space,” said the owner of Tiki Palm Huts. “We’re seeing increased interest in patio tiki huts as part of larger backyard improvement projects that include pools, patios, outdoor kitchens, and entertainment areas.”
Patio tiki huts have become one option for homeowners seeking a balance of functionality, shade, and visual appeal. These structures are commonly incorporated into poolside environments, outdoor dining areas, waterfront properties, and residential entertainment spaces designed to accommodate family gatherings and social events.
Florida’s climate plays a significant role in the trend. With abundant sunshine and favorable outdoor conditions throughout much of the year, homeowners continue to seek improvements that help maximize comfort while encouraging greater use of outdoor spaces.
As interest in outdoor living continues to evolve, patio tiki huts remain one of many ways Florida homeowners are enhancing their properties while creating additional functional living space.
For more information about patio tiki huts, tiki bars, repair and re-thatching services, synthetic huts, or to request a no-cost estimate, contact Tiki Palm Huts at (352) 881-2124, email [email protected], or visit TikiPalmHuts.com.
Media Contact:
Tiki Palm Huts (Native American Chiki Huts/Tiki Huts LLC)
(352) 881-2124
[email protected]
7:00 AM – 7:00 PM | 7 Days Per Week
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TKSoftware Launches ICONIC Pro, Uniting Practice Management and Clearinghouse in a Single System
Carmel, IndianaTKSoftware Inc. today announced ICONIC Pro practice management, a single platform that carries a patient visit from the appointment book to the payer and back again. An appointment booked in ICONIC Scheduling opens as the encounter in the ICONIC Scribe app on the provider’s iPhone. What the provider says in the exam room becomes a […]
Carmel, Indiana
TKSoftware Inc. today announced ICONIC Pro practice management, a single platform that carries a patient visit from the appointment book to the payer and back again. An appointment booked in ICONIC Scheduling opens as the encounter in the ICONIC Scribe app on the provider’s iPhone. What the provider says in the exam room becomes a structured note, then coded charges, then — after one approval by a billing specialist — a built claim sitting in the clearinghouse.
That last step is what separates ICONIC Pro from the rest of the category. TKSoftware is the clearinghouse. Claims are not handed to an outside vendor for delivery, and remittances do not come back through one. The company that writes the software also holds the payer connections, runs the enrollments, and programs the edits.
No third-party clearinghouse. Not a reseller agreement, not a pass-through.
Most billing software connects to a clearinghouse someone else operates. When a claim stalls, the practice calls the software vendor, who calls the clearinghouse. TKSoftware removed that hand-off by being both ends of it — the company has operated as an advanced medical claims clearinghouse for 24 years, and ICONIC Pro is the practice management software built on top of its own pipe.
About TKSoftware Inc.
TKSoftware Inc. is a provider of healthcare revenue cycle management solutions, specializing in medical billing software and its own medical claims clearinghouse. Headquartered in Carmel, Indiana, the company helps practices across the United States shorten the revenue cycle, reduce denials, and accelerate reimbursements. For more information, visit www.tksoftwareinc.com or call 317-228-0857.
Media Contact Details
Tony Kurzendoerfer
TKSoftware Inc.
Email: Send Email
Phone: 13172280857
Website: www.tksoftwareinc.com
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Nullmask Passes $50 Million in Private Volume and Launches Points Season 1
London, UKThe zero-knowledge privacy protocol runs inside the wallets people already use. It is live on Ethereum, Base, BNB Chain and Robinhood Chain, with Solana and private perpetuals coming next.
The zero-knowledge privacy protocol runs inside the wallets people already use. It is live on Ethereum, Base, BNB Chain and Robinhood Chain, with Solana and private perpetuals coming next.
London, UK
Nullmask, a zero-knowledge privacy protocol for private transfers and swaps, has processed more than $50 million in private volume since 1 October. The protocol was founded by Tomas Krnak, whose team of Zcash developers built shielded transaction support into Trezor hardware wallets on a Zcash Foundation grant. Nullmask averages about $3 million a day, and its busiest day so far saw roughly $4.5 million move through the pool in 24 hours.

The growth comes as privacy has become the largest narrative in web3. It is what is bringing institutions and large funds on-chain, because they need to move capital without exposing positions, counterparties or strategy to the public. Nullmask gives them that confidentiality while keeping deposits screened and activity auditable for the people who need to see it.
Nullmask has distributed about $1.5 million in ZEC rewards and $1.5 million to $MASK holders, and has burned 2.15% of the $MASK supply. All figures are on-chain and can be verified on Dune and DefiLlama.
The team is now launching Nullmask Points Season One, which goes live on 19 October and runs for 90 days. Points reward one thing: moving money privately. Every withdrawal from the pool earns. Through the Early Adopters Program, activity from before Season One is credited retroactively.
Privacy without a new wallet
On a public blockchain, every payment, balance and counterparty is permanent and searchable by anyone with your address. Scrutiny is also increasing: since January, exchanges in 75 countries have been collecting transaction data that tax authorities will begin sharing in 2027.
Earlier privacy tools asked users to give something up. That could mean a new wallet, a new seed phrase, hours of setup, or handing funds to a third party mid-transfer. As a result, privacy stayed a niche for technical power users.
Nullmask takes a different approach. Users add it to MetaMask, Rabby, Ledger, Trezor or any wallet that supports a custom network, and connect once. From then on, tokens, native ETH and NFTs can be shielded in a single click, and private transfers complete in under 30 seconds.
- No new wallet or seed phrase. Privacy keys are derived deterministically from a signature by the user’s existing wallet, so there is nothing extra to back up.
- No custody. Funds never leave the user’s control, and no third party holds them mid-transfer.
- Standard signing. Shielded transactions are authorized with a standard EIP-1559 transaction from the user’s own wallet, including hardware wallets.
This used to be impractical. Proving a normal wallet signature inside a zero-knowledge proof once required enormous files and hours of compute. Advances in proof systems have brought that down to a couple of seconds on a laptop or phone.
Wave Batching: hiding the last link
A privacy pool breaks the direct path between a deposit and a withdrawal, but three clues can still connect them: the address, the amount and the time. Nullmask steers users toward a fresh withdrawal address and standard amounts, such as 500 or 1,000 USDT, so withdrawals blend in with many others.
Time is the last link, because every on-chain withdrawal carries a public timestamp. Nullmask’s Advanced mode addresses this with Wave Batching. Withdrawals are signed and queued, then sent together at a scheduled wave in shuffled order. The timestamp on-chain shows the wave, not the moment the user acted. Users can also split a withdrawal into two to five parts, each with its own amount, address and wave, up to 24 hours ahead.
Fast mode remains available for users who need funds right away. Both modes carry the same 0.5% protocol fee.
Compliance built in
Nullmask is designed to keep illicit funds out of its pool:
- Every deposit waits as pending until it is approved.
- Depositing addresses are screened against the OFAC SDN list, the Chainalysis sanctions oracle, EU and UK sanctions lists, USDT and USDC issuer blacklists, and public scam lists, and are risk-scored by AMLBot.
- Funds linked to sanctions, hacks, darknet markets, scams, ransomware, terrorism financing or child exploitation are refused and refunded automatically.
- Approved addresses remain under continuous AMLBot monitoring.
Users can share their history with an accountant, institution or regulator through viewing keys, without publishing it. Every approved deposit also carries a revocation key pair. If a deposit is flagged after it enters the pool, the secret half is published, and every other user can prove their funds were never linked to it.
Contract source code is verified on Etherscan, and all protocol addresses are published with a signed proof of ownership at nullmask.io/compliance. Verified law enforcement requests sent to [email protected] are acknowledged within 72 hours.
Integrations and partners
- NEAR Intents: private cross-chain bridging, live
- Uniswap: private ETH ⇄ USDT swaps, live
- Aerodrome and PancakeSwap: private swaps on Base and BNB Chain
- Gate Wallet: integrated, with a MetaMask integration in talks
- AMLBot: screening on every deposit
- DefiLlama: listed
Nullmask has also partnered with Beldex, Dash Pay, QUAI and THORChain. It reaches users through social trading apps such as Fomo and through exchange listings including Aster perps.
“[Quote placeholder. Suggested: Privacy shouldn’t require a new wallet or a leap of faith. Nullmask works inside the wallet you already use, it screens every deposit at the door, and it gives users a way to prove their funds are clean. Fifty million dollars in a few weeks shows people want that.]” said Tomas Krnak, founder of Nullmask.
The team
Nullmask was founded by Tomas Krnak, whose team of Zcash-focused developers spent two years bringing private transactions to hardware wallets. On a Zcash Foundation grant, they built shielded support into Trezor firmware, covering key derivation, shielded addresses and on-device signing, and moved the work onto Orchard, Zcash’s newer privacy design. The team’s changes to the transaction format were accepted into Zcash itself.
What’s next
Nullmask is live on Ethereum, Base, BNB Chain and Robinhood Chain. Next on the roadmap are Points Season One, Solana support and private perpetuals.
About Nullmask
Nullmask is a zero-knowledge privacy protocol for private transfers and swaps that works inside users’ existing wallets, with no new wallet, seed phrase or custody. Deposits are screened before entering the shielded pool, and users keep full control of their funds. Learn more at nullmask.io.
Links
- Website: nullmask.io
- X: x.com/NullMaskio
- Analytics: app.nullmask.io/analytics
- DefiLlama: defillama.com/protocol/nullmask
Nothing in this release is financial or legal advice. Use of privacy tools remains subject to the laws of your jurisdiction.
Media Contact Details
Tomas Krnak, Founder, Nullmask
Email: Send Email
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