Home
Cryptocurrency
Cryptocurrency News
Japan’s SBI VC Trade Expands Stablecoin Services With 3 Percent Lending Yield

Japan’s SBI VC Trade Expands Stablecoin Services With 3 Percent Lending Yield

New programme allows users to earn returns by lending JPYSC for a fixed 12-week period.

Written by Rahul Dhingra, Edited by David Delima | Updated: 14 July 2026 18:46 IST

Japan’s SBI VC Trade Expands Stablecoin Services With 3 Percent Lending Yield

Photo Credit: Unsplash/note thanun

SBI expands JPYSC use case by introducing a stablecoin lending programme

Click Here to Add Gadgets360 As A Trusted Source

Highlights

JPYSC holders can earn yields through a 12-week lending programme
SBI says returns exceed those of standard yen savings accounts
Service is not covered by deposit insurance or asset segregation

Tokyo-based SBI VC Trade has announced that applications for a Japanese yen-stablecoin lending service with an initial rate of 3 percent per year on JPYSC lent for 12 weeks will be accepted beginning Thursday. Customers will start lending JPYSC to SBI VC Trade, a subsidiary of SBI Holdings, on Thursday and get back their tokens with the lending fee, according to a press release. Using the offered yield, the gross return on investment during the 12 weeks will be 0.69 percent.

Programme Expands Utility of Yen Stablecoin Beyond Payments

The company claims that the return on this investment is more than 0.325 percent to 1 percent per year, offered by SBI in the case of ordinary yen savings accounts. However, it should be noted that it is not a bank deposit, it is not insured, and cannot be canceled early. Loans extended by JPYSC to SBI VC Trade will similarly not meet the statutory requirements for asset segregation, thus customers may lose all or some of their tokens in case the company folds, the statement adds.

Cryptocurrency Discussion

Explore More...

The launch offers JPYSC a fresh use case, merely weeks after SBI launched the trust-enabled yen stablecoin on June 24, and regulated stablecoins move from payment systems to income-generating vehicles in Japan.

Bitcoin Holds Near $62,500 as Inflation Data Keeps Crypto Investors Cautious

SBI touts it as the world's first service to enable lending of yen-stablecoins against passive yield generation. By offering yields that will exceed the usual annual rate of deposits in yen, SBI expects expansion from holders of yen stablecoins and said this would be crucial in achieving the future of on-chain finance.

SBI Holdings is independently developing the framework that it believes will one day take JPYSC outside of its platform and into the realm of a market for tokenised assets and cross-border payments. On Monday, SBI Holdings announced a strategic alliance with the Switzerland-based Solana Foundation to develop an on-chain financial market in Japan. Under the agreement, Solana Foundation will be working with SBI R3 Japan, which will be rebranded as SBI Solana Global and will develop a growth strategy around the yen-pegged stablecoin.

Japan has been part of the stablecoin race for a long time now. The country had launched its first yen-backed digital currency, JPYC, in October 2025. The stablecoin, which is created by Tokyo-based fintech company JPYC Inc., has a fixed 1:1 exchange rate with the yen and is fully backed one-to-one by Japanese yen held in government bonds and bank deposits. The launch positions Japan within the growing global stablecoin market, which has so far been dominated by dollar-pegged assets such as USDT and USDC.

Cryptocurrency is an unregulated digital currency, not a legal tender and subject to market risks. The information provided in the article is not intended to be and does not constitute financial advice, trading advice or any other advice or recommendation of any sort offered or endorsed by NDTV. NDTV shall not be responsible for any loss arising from any investment based on any perceived recommendation, forecast or any other information contained in the article.

Comments

Get your daily dose of tech news, reviews, and insights, in under 80 characters on Gadgets 360 Turbo. Connect with fellow tech lovers on our Forum. Follow us on X, Facebook, WhatsApp, Threads and Google News for instant updates. Catch all the action on our YouTube channel.

Further reading: Cryptocurrency, Japan, Stablecoin, Yen

Rahul Dhingra

Email Rahul Dhingra

Rahul Dhingra is a crypto writer at Gadgets 360, where he covers the exciting world of Cryptocurrency, Blockchain, Defi and Web3. Before joining Gadgets 360, he worked as a content specialist for a European-based Crypto Exchange. Rahul loves storytelling, not just through the written word but also through the visual medium. Beyond his professional life, Rahul is a sports fanatic. Whether it’s cricket or football, his passion for the game is contagious. More