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If you only have an account under a trade name, freelance! Freelancers who want to operate under a pseudonym must see

屋号のみの口座ならフリーナンス!ペンネームで活動したいフリーランス必見~
Good news!

Freonance has entered into a partnership with Adobe!

If you subscribe to Freenance Regular or Premium, you can get 15% off Adobe Creative Cloud and several other Adobe products – see the official website for details.

 

After graduating from the company in May 2019, Toha has been working as an independent producer under the name “Toha”.

From the beginning, I never thought of using my real name for my activities. I don’t think I will ever use my real name again, at least not in my activities on the Internet or through social networking sites.

But when my individual activities gradually bore fruit and led to work, I had a problem.

It is the “Name of the bank account to which the income will be transferred.” 

 

In this article, we will discuss the results of our research to create an account in “Toha’s name”, and how we have been able to create it.
We finally got there. “Freenance” I will write about a service called

The trigger was the name of the account, but when I actually used it, I found many good things about Freinance.

Freelancers who want to have an account with only a trade name or pseudonym, and sole proprietors who want to have a guarantee and social credibility in case of emergencies, please read on!

 

 

*Freanance will be available from October 2022.Free, Regular, PremiumThe membership is now divided into three membership plans.

 

Note that the “Anshin Hoshou” that used to be included simply by using a Freeplans account is now called “Anshin Hoshou Basic” in Freeplans, and some of the coverage has been changed. I’m a little shocked!

 

フリーナンス あんしん保障の内容変更1
フリーナンス あんしん保障の内容変更2

 

– Please visit the invitation page of Toha –

 

 

Few accounts allow the account name to be only a trade name or pseudonym.

もやもや

First, let’s talk about why Toha had trouble with the name on the bank account.

Generally, when a sole proprietor is hired by a corporation to perform work, an invoice must be issued in order to receive payment for the work. The invoice should clearly state the following

Matters to be specified on the invoice
  • Name or title of invoice preparer
  • Name or title of business partner
  • Date of Transaction
  • Transaction details
  • Amount of transaction
  • Payment due
  • payee

 

And, in principle, the “name or name of the invoice maker” and the “name of the account to which the money is to be transferred” must match.

 

If TOHA issues invoices under the name “TOHA” or the trade name “tohawork” that is written on the opening statement, the name on the account to which the money is transferred should also be “TOHA” or “tohawork”.

Conversely, if the toha only has an account in your real name, it is recommended that you also include your real name on the invoice. Otherwise, it will be complicated when the recipient processes the invoice.

In short, even if Toha was operating without using his real name, his real name would be revealed because of the name on the account.

 

Ma. If you are in a relationship where you communicate properly and receive work requests and invoices, there is no problem if your real name is revealed. The other party may feel safer if your real name is written.

But Toha, at this time, was

If I continue my activities under the name “toha” or the trade name “tohawork”, I would like to have an account in the name of toha~!

 

Now, I’ve said a lot of preamble, but here’s the main issue.

 

How can I have an account in the name of a trade name or pen name?

As it turns out, it is possible to open accounts in the name of a trade name or pseudonym at various major banks.

However, the only bank where accounts can be opened in the name of a store name only or a pen name only is Japan Post Bank at present.

At Japan Post Bank, you can open a bank account with only a trade name. Since the account is opened in the name of collecting membership fees for a circle or club, in addition to the usual required identification documents and personal seal, a membership agreement and membership list are also required.

Sole proprietors must see! Comparison of banks where you can open a bank account with your business name 

At other banks, the rule is that the name on the account should be “yoyoyame + real name”. Since there are various crimes such as bank transfer scams nowadays, this rule seems to be adopted to prevent crimes.

 

So, I guess I don’t need my real name in the account name after all…

Here’s Freenance!

At Freinance, you can create an account under an account name with only a trade name or a pen name.

This page you can see that the name of the Toha’s freenance account is “Toha Work”.

 

An account, however, is not a freenance account and cannot be used for savings or anything like that.

Business income deposited into the Freinance account is automatically transferred to the main bank you set up. It is as it should be. You only keep it temporarily.

To name the account under a trade name or pen name, you need to submit a copy of your business registration, but that was enough for TOHA to have an account in the name of only a trade name, so it was like, “Yay~!

So, I registered with Freinance just because I could have an account in the name of my company.

After a while, I began to realize that “free nance had other advantages.

 

 

There are actually many advantages to having a Freinance account.

ピコーン

Satisfied with the creation of an account in the name of the trade name, and having left the account created for a while after that, Toka receives an email from Freanance.

If you do not use your Freonance account, it will become “dormant” and you will not be covered by the Peace of Mind Guarantee.

Toha
Toha

What?

What is the Anshin Guarantee? I forgot to use it after creating an account!

…so again, let’s check on freenance…
There were a number of services that I could receive by using my Freonance account.

If I am told that I will not be able to receive service if I don’t do this, I will wait, wait, wait, and use it properly~! I’ll wait and use it properly! Taking this opportunity, I started to use my Freonance account, which I had neglected.

 

Now, let’s take a look at some of the benefits of using a Freonance account.

I will also explain the precautions for each service.

 

(1) You can have an account whose name on the account is only a trade name.

♪

We have already mentioned that you can create an account in the name of your trade name only at Freinance.

I think this is great for people like Toha who do not use their real name, or who use a pen name or maiden name for their main activities. It’s kind of cool to have a bank account in the name of a trade name.

But!

Please think carefully before deciding on the name of your account, as the following precautions should be taken~.

Notes on Freance Accounts
  • Freinance accounts cannot be used for person-to-person transactions (only transfers from corporations are allowed).
  • A business opening notification is required to open an account in the name of a trade name or pseudonym.
  • A copy/extract of family register is required to open an account in the name of maiden or middle name.
  • Accounts whose name on the account is different from the real name may not be designated as a transfer account for other services.
  • You can easily change the name of your account at Freinance, but the account number and other information will change when you change it.

 

First, this is important.

  • Freinance accounts cannot be used for person-to-person transactions (only transfers from corporations are allowed).

 

As stated in the Q&A here,
For anti-money laundering and other reasons, the Freanance account can only be used for transfers from legal entities.

For example, if an illustration is commissioned by an individual
The compensation cannot be transferred directly from the individual to the freenance account.

If the requesting party is a corporation rather than an individual, a freenance account is available.

Freelance designers and illustrators may do a lot of work for individuals, but if you are working through a corporate-run service such as Lancers, Coconara, or SUKIMA, there is no problem because the payment will be transferred to the corporate account.

One more note here!

  • Accounts whose name on the account is different from the real name may not be designated as a transfer account for other services.

 

When using services such as Lancers or Coconara, you should
Accounts whose account name does not match the name of the person registered for the service may not be designated as the account to which funds will be transferred.

Toha
Toha

Quite a lot

As discussed below credit score the more transfers you make to your Frenance account, the easier it is to use Frenance by increasing the number of transfers. Accounts in the name of a trade name may lose opportunities in this regard.

 

By the way, the account to be registered for BOOTH transfers can also be an account with only the trade name of Freenance!

Thanks to BOOTH, Toha can continue to enjoy the services of Freenance.

 

 

(2) Anshin Guarantee is applied if the account is used.

フムフム…

Perhaps the most significant feature of Freenance’s service is the “Anshin Guarantee”.

Freanance Anshin Guarantee

Anshin Compensation covers not only accidents caused by accidents on the job or defects in deliverables (up to 50 million yen), but also accidents specific to freelancers (up to 5 million yen) caused by information leaks, copyright infringement, and delivery delays due to accidents by chance.

From the official Freanance website

 

For more information about the warranty, please see the official website at the Link.

In short, when a sole proprietor has a problem with a client’s work and is claimed for compensation, FREANANCE guarantees up to 50 million yen in damages.

 

It is a kind of insurance service, but there is no premium.

The only condition for the Anshin Guarantee to apply is that you are using (or have deposited) a freenance account.

*As of October 2022, Freonance will be divided into three membership plans: Free, Regular, and Premium.

 

Note that the “Anshin Hoshou” that used to be included simply by using a Freeplans account is now called “Anshin Hoshou Basic” in Freeplans, and some of the coverage has been changed. I’m a little shocked!

 

フリーナンス あんしん保障の内容変更1
フリーナンス あんしん保障の内容変更2

 

If there is no deposit in your account for a certain period (about a year, based on Toha’s experience?) If there is no deposit to your freinance account for a certain period (about a year, I guess?), your account will be “inactive” and the peace of mind guarantee will not be applied.

*For Regular and Premium plans, even if there is no deposit to the account for a long time, it will not be suspended.

 

You can get a damage guarantee just for using your Freonance account. If you are a sole proprietor, you may want to open a freenance account for now.

 

From the perspective of a 3DCG designer, which is TOHA’s job, information leakage, copyright infringement, and delivery delays are among the warranty coverage, that may occur due to unforeseen circumstances, even if we are very careful.

If by any chance such a thing should happen and they claim damages…

あわわ

I don’t want to think about it, but it is a “peace of mind guarantee” for such a situation, so I would feel a little safer if I had it.

 

Incidentally, a service called “Anshin Guarantee Plus.” has also been launched in August 2020.

This service guarantees your income for up to one year in the event that you are unable to work due to injury or illness, depending on the monthly lump sum.

Even as a 3DCG designer, your body is your capital…

I am seriously considering whether or not to enter.

 

There are many other insurance products that are similar, but it seems that you can get in at a discount if you go through Freanance.

This page If you are interested in this service, please give it a try.

 

(3) A service called “immediate payment” is available.

なるほど

Along with the Anshin Guarantee, another feature of Freenance is its “same-day payment” service.

Freenance Immediate Payment

Instant Payment is a system that buys your invoices and transfers the proceeds to your bank account as soon as possible. The fee ranges from 3% to 101 TP2T of the invoice face value; the more you use your freenance account, the lower the fee. The more you use your Freonance account, the lower the commission fee, and your clients will never know you are using instant payment.

From the official Freanance website

 

If you’ve ever actually worked on someone’s commission or sold something through a private store like BOOTH, you’re probably familiar with

There is a time lag between when you work/sell something and when you receive the compensation/sales for your work.

It is usually a month off, and in some cases, it may be later.

 

This situation can cause problems when, for example, a credit card debit is due before the income transfer date – the so-called “cash flow.

In such cases, the same-day payment service allows you to move up the date of your income transfer….

Hmmm. This is a service that I think might be useful if it were available in an emergency.

 

However! The following are some of the caveats

Notes on immediate payment
  • There is a screening process for immediate payment services.
  • Fees start at 10% when using immediate payment, fees decrease depending on ccredit score

 

The screening process for using immediate payment is described in detail in This article.

 

So far, TOHA has not yet used immediate payment, so what is it like to actually use it? We do not know about that.

However, there are quite a few people who are registered with Freenance who are using the immediate payment.

The reason is that “freenance” is made up of fees for immediate payment services.

 

Naturally, operating funds are required to operate Freonance, but users can use their Freonance accounts for free. So where does the money come from? The answer is “commissions”.

The default fee for immediate payment is 10%.

It is not cheap, but it is understandable considering that this is what supports the operation of Freenance. The more you use your account, the lower this fee becomes, and eventually it can be as low as 3%.

If you are attracted to the same-day payment service, please take the above information into account and make good use of it.

 

Note that immediate payment is available even if you have not designated a freenance account to which the bill is to be transferred.

(This part was hard to understand, so I contacted Freinance to confirm!)

Currently, TOHA does not designate a freinance account as the payee for invoices for outsourced projects. But even with such invoices, if the application is approved, they will be paid immediately.

 

As per the Q&A here, in this case, you can deposit the amount paid immediately into your own account at a later date by yourself.

I’m sure I’m not mistaken, since that’s what it said in the email in response to my inquiry – I’m not sure.

 

(4) Even a sole proprietor with no name can obtain a certain level of credit.

!

Now, the last of the benefits of freenancing is that it provides a certain amount of social credit.

 

A person who is a sole proprietor or a person engaged in freelance activities is, in general, less socially creditworthy.

Individual designers and illustrators are receiving an increasing number of jobs through social networking services, and it is easy to disguise one’s identity and career on the Internet and social networking services.

A pigeon that doesn’t even have a real name like Toha is already full of suspicion.

I doubt if it even exists.

あわわ

Is it safe to ask such an unknown person to do a job?

What if something goes wrong? What if they claim damages, will they be able to pay?

 

From the point of view of a company that hires someone to do a job, this kind of thing is naturally a concern.

To be clear, there are many people in today’s world who can make 3D models/paint pictures. And they are all good at it. If the technicalities are side by side, those with good social credentials are more likely to be selected.

 

トハのフリーナンス会員ページ

People who register and create an account with Freinance can create their own member page like this one…TOHA’s Member Page the following three contents are listed with icons.

Information to be included on the membership page
  • Identity verified
  • Anti-Social Forces Database Verified
  • Warranty

 

I mean, at least the one called Toha.

  • It’s real, and it’s real properly.
  • I’m not a member of any antisocial group.
  • I have insurance for damages in case of emergency.

This is why Freenance is proving that it is a good idea.

 

By presenting the freenance membership page to business partners as needed, or by making it publicly available somewhere for viewing, you can gain some of the social credibility that is difficult for a sole proprietor to obtain.

I think this is another great benefit that you can receive by using Freonance.

 

*The details of what is listed on the membership page can be found here.

 

If you want to be prepared for the future, you want to raise your Freonance credit score.

♪

Finally, let me explain Freonance’s “credit score”.

What is a credit score?

It represents your credit score within Freenance on a 1,000-point scale. As this score increases, you will be able to take advantage of more services, such as instant payouts. We are also steadily preparing to make a variety of other services available to you.

From Freanance Q&A

 

Your Freanance credit score is gradually added each time a deposit is made to your Freanance account.

Other than that, you can also earn credits by linking your freenance to Google and facebook, answering phone interviews, and uploading documents such as tax certificates.

The more you use Freenance, the higher your credit score will be, and the closer you get to 1000 points, the lower the fee you will be charged for using the service.

 

As of January 2022, the only fee that is clearly affected by credit scores is the immediate payment fee.

It does not matter whether your credit score is low or high, unless you use an immediate payment service.

However, this is only “for now,” and as noted in the explanation, there is a possibility that some service related to credit scores will be added in the future.

Incidentally, as of the writing of this article, TOHA’s credit score looks like this.

トハのフリーナンス与信スコア

At first it was 320, so I guess it’s a blip – I heard that when it gets to about 500, the fee is 9%.

 

Freelance credit scores cannot suddenly be significantly increased.

The number of points that can be increased by linking with external services is limited, so the only way to increase the number of points is to steadily increase them through the Freonance account.

So even if you don’t need freenance now,
Even if you don’t need Freonance now, if you plan to use it in the future, it’s a good idea to open an account early and raise your credit score.

It is a good idea to prepare now so that you can make convenient use of it when you want to use it.

 

 

Summary: Freinance accounts should be created and nurtured as early as possible.

OK

Freinance, which Toha registered to have an account in Toha’s name.

If you use this service without understanding what it is, you will not get much benefit from it, but if you use it with an understanding of “I see, this is what a freenance is! If you use the service with an understanding of what it is, you will benefit in many ways.

 

Here’s what Toha thinks are the benefits of freenance.

There are some caveats about each of these services, so I hope that you will take these into account and make good use of the finances.

 

Some of you may not be familiar with bank account names or damage coverage.

And Toha himself didn’t really understand it at first.

But if there are people who are not yet, but would like to work independently and freelance in the future…it would be good to prepare now for the future ahead.

 

 

In one of Toha’s favorite movies, “Spy Game,” a very cool character played by Robert Redford says this very cool line.


When did Noah build the Ark? Before the rain started. Noah built the Ark before it rained.

From the movie “Spy Game

 

Everyone, please be prepared for emergencies “before it starts to rain”!

GOGO

 

If you read this article and want to register for Freenance! please click the button below to start by registering your email address – this is the invitation page from Toha!

 

Toha
Toha

There is no first-come, first-served basis, so take your time!

 

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Toha

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