Japan Post Bank to Launch Digital Token Initiative in 2026

Facebook Twitter Linkedin Email Copy Link

By BlockFlowSep 01, 2025

Japan Post Bank will join the DCJPY network in FY2026, allowing its 120 million account holders to convert deposits into digital tokens for instant access to tokenized securities and other blockchain-based assets.

Japan Post Bank is preparing to roll out a tokenized asset network in fiscal year 2026, marking one of the largest shifts by a Japanese retail bank into digital finance.

The plan will give holders of the bank’s 120 million accounts the ability to convert savings into a digital token, enabling instant access to blockchain-based financial products such as tokenized securities, targeting yields of 3% to 5%, and potentially NFTs. The move is designed to activate the bank’s massive $1.3 trillion deposit base and attract a younger customer segment by cutting settlement times from several days to near-instant.

According to Nikkei, Japan Post Bank will join the DCJPY network, developed by DeCurret DCP with backing from financial giant MUFG. Unlike traditional stablecoins, DCJPY operates on a permissioned network and represents direct bank deposits, redeemable at partner banks on a one-to-one basis with the yen.

DeCurret is also in talks with local governments to allow subsidies and grants to be distributed via DCJPY, highlighting broader use cases beyond private-sector finance. So far, GMO Aozora Net Bank has been named as a minting bank for the network, which has already undergone multiple proof-of-concept trials.

Japan Digital Currency DCJPY