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Japan Post Bank plans to launch the DCJPY deposit token for asset payments in 2026.
Japan Post Bank plans to implement the DCJPY cryptocurrency asset network starting from the fiscal year 2026, allowing 120 million account holders to convert savings into tokens for faster securities trading. DCJPY, developed by DeCurret DCP with the backing of MUFG, is exchangeable 1:1 with yen at partner banks. Depositors can convert savings into DCJPY and purchase cryptocurrency securities with a target yield of 3–5%.
With the largest retail deposit in Japan, the bank hopes to attract young customers by shortening the payment time from several days to almost instant. DeCurret DCP is also negotiating with local authorities to pay subsidies via DCJPY, promoting digitization. Currently, GMO Aozora Net Bank is the only bank participating in the issuance. In addition, Japan is expected to approve the first yen-pegged stablecoin in the autumn of 2025 and is considering amending tax laws to support cryptocurrency transactions, paving the way for ETFs.