Fintech startup Money Guard Service is expanding into domestic and international markets through its digital contract service that covers everything from personal monetary transactions to credit transactions by small business owners. Money Guard Service converts various informal financial transactions in everyday life into simple digital contracts such as mobile IOUs. These are securely stored on a blockchain and carry legal force. Beyond contract signing, the platform is a comprehensive contract management system that includes tracking execution, converting contracts into bonds, and linking to collection services. The company targets three main segments: individual users can use the service to resolve unpaid debts between acquaintances or for labor. In contrast, small business owners can use it to prevent disputes over credit transactions or wage payments. Financially vulnerable groups with limited financial history can build alternative credit information based on digital contract data, improving practical access to finance. Key features of the service include the ability for anyone to easily create legally binding IOUs via mobile, the ability to track contract fulfillment digitally, and an automatic system that converts defaults into bonds linked to collection procedures.