Japan Post Bank plans to introduce a digital deposit that takes advantage of DCJPY for security token agreements. The objective is to improve the efficiency of financial infrastructure and explore broader applications throughout the Japanese economy.
According to Nikkei, Japan Post Bank is preparing to introduce a digital deposit currency for your account holders for 2026.
Exchange rate dcjpy set to 1 yen
The initiative will use DCJPY, developed by Decurret DCP under the Japan Internet (IJ) Group initiative to solve digital values and other financial products. The bank is also considering using the system for subsidies of the local government.
The planned DCJPy system will allow depositors to link an account dedicated to their existing savings accounts and exchange balances at an individual rate with the YEN. As the largest deposit institution in Japan, Japan Post Bank has around 120 million accounts with deposits for a total of approximately $ 1.36 billion, creating a substantial potential base for DCJPy issuance. This could significantly expand the presence of the currency within the digital asset ecosystem of Japan.
Unlike Stablecoins such as JPYC recently authorized, DCJPY represents what regulators define as a “tokenized deposit.” The stables are generally issued in public blockchains and accessible worldwide, while tokenized deposits are issued exclusively in permitted blockchains administered by regulated financial institutions.
Decurret DCP, a subsidiary of Decurret Holdings and backed by IIJ as its greatest shareholder, officially launched DCJPY a year ago, in August last year. In September of the same year, Decurret raised approximately ¥ 6.35 billion to strengthen DCJPy’s commercial infrastructure.
Interoperability challenges ahead
Initially, Japan Post Bank intends to use DCJPY mainly for security token settlements. However, due to regulatory and security considerations, security tokens are currently broadcast on Blockchains permission, so interoperability on all platforms remains a critical challenge.
The regulatory progress of Japan for Stablecoin has accelerated in 2025, marked by JPYC that received the first Stablcoin license in the country earlier this year. With the entry of Japan Post Bank in the Blockchain headquarters, the largest financial institutions in the country are beginning to adopt distributed accounting technology more seriously. Analysts suggest that this could intensify competition in the Fintech industry in Japan as adoption expands.
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