The tokenization is gaining ground in global finance, many leading financial institutions rushing to explore this niche. Japan Post Bank is the last to join this movement after having declared its intention to introduce a network of tokenized assets during the year 2026.
In short
- Japan Post Bank plans to introduce token deposits via the DCJPY network during the 2026 fiscal year.
- More than 120 million account holders could convert their savings into tokens based on blockchain for digital titles.
- Faster regulations aim to reduce costs, transforming the bond regulations for several days into almost instantaneous transactions.
- The regulators are preparing the first launch of Stablecoin in Japan and consider tax reforms for Crypto ETF.
The DCJPY network will offer token asset deposits
If done, this would allow the more than 120 million holders of the bank account to convert their savings into token deposits, allowing more efficient securities transactions. As reported by Nikkei, Japan Post Bank, which currently holds around ¥ 190 trillions (1.29 trillion of dollars) of assets under management (AUM), will integrate into the DCJPY network.
The network is developed by Decurret DCP, a Japanese financial company supported by heavy goods vehicles such as MUFG (the largest financial institution in Japan). Launched last year, DCJPY issues an indexed token 1: 1 on the yen and exchangeable via partner institutions.
Manager of one of the largest asset heritage in the world, larger than JPMorgan Chase's American deposits, Japan Post Bank has a solid investment base to experiment with the infrastructure of digital currency.
An almost instant blockchain regulation could save billions each year
As part of the proposed deployment, customers will be able to convert their investments into cash in DCJPY tokens. The report indicates that these tokens can then be used to acquire tokenized titles with targeted yields from 3 % to 5 %. To attract a younger user base, the payment time will be reduced by several days to almost instant transactions.
The regulation of traditional business obligations and securities transactions in Japan generally take two or more working days after a transaction. Analysts note that a faster regulation could save the bank of billions of yen per year in operating costs.
The regulators monitor stablecoins while banks are experimenting with DCJPY
For the moment, GMO Aozora Net Bank remains the only authorized bank to issue the DCJPY token, although several Concept proof tests have already been made. The DCJPY model offers a different use case for stablecoins because it works on an authorized blockchain and acts as a direct bank deposit.
At the same time, regulators are preparing to approve the first stablecoin labeled in Japan yen this fall. Jpyc, based in Tokyo, will emit this asset backed by fiduciary currency under national surveillance. The legislators also envisage tax reforms aimed at stimulating the trade in cryptocurrencies and laying the foundations of the negotiated funds on the stock market (ETF).
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