SBI VC Trade 将于 7 月 16 日开放 JPYSC 贷款申请，提供为期 12 周的初始年利率 3%，无存款保险。 总部位于东京的 SBI VC Trade 将于周四开始接受以日元计价的稳定币借贷服务申请，提供 12 周 JPYSC 初始年化利率 3%。 该公司在周一的新闻稿中表示，客户将从周四起将 JPYSC 借给 SBI Holdings 子公司，并在到期时以借贷费用收回代币。按照广告上的利率计算，12 周期间的税前总回报约为 0.69%。 该公司表示，该产品支付的年利率高于 SBI 引用的普通日元存款 0.325% 至 1% 的年利率。不过，它不是银行存款，不受存款保险保障，一般不能提前取消。 新闻稿称，借给 SBI VC Trade 的 JPYSC 也将不符合法定资产隔离要求，这意味着如果该公司破产，客户可能会失去部分或全部代币。
就在 SBI 于 6 月 24 日推出信托结构日元稳定币几周后，此次推出为 JPYSC 提供了一个新的用例，受监管的稳定币在日本从支付演变为收益工具。 SBI VC Trade 此前于 3 月份在日本为 Circle 的美元计价 USDC (USDC) 稳定币推出了稳定币借贷服务。 SBI 声称，这是第一项允许日本客户借出以日元计价的稳定币以换取被动收益的服务。 通过提供“超过”日元存款典型年利率的收益率，SBI 预计日元计价的稳定币持有者将会扩大，并表示该服务将成为实现链上金融未来的“核心”。 JPYSC借贷服务特色。资料来源：sbivc.co.jp Solana 合作伙伴关系扩大了链上野心 SBI 正在单独建设基础设施，希望最终能让 JPYSC 超越自己的平台，进入更广阔的代币化资产和跨境结算市场。 SBI Holdings 周一宣布与瑞士 Solana 基金会建立战略合作伙伴关系，旨在建立日本的链上金融市场。
作为合作伙伴关系的一部分，Solana 基金会将加入 SBI R3 Japan，后者将更名为 SBI Solana Global，并发布专注于日元支持的稳定币的新增长战略。 该计划旨在将日本定位为链上金融的领先中心，同时扩大稳定币和代币化现实世界资产在亚洲的使用。它还包括为机构链上金融服务、跨境支付和人工智能代理的支付基础设施建设更多基础设施。 相关：Metaplanet 与日本 JPYC 探索比特币支持的数字信贷 日本首相重申支持加密货币和 Web3 初创公司：报告 稳定币借贷服务的推出是在日本 Web3 初创公司和加密货币公司发出积极的监管信号之后推出的。 据报道，日本首相高市早苗在 WebX 2026 会议上的视频讲话中表示，日本政府计划加强对加密货币和 Web3 初创公司的支持。 一些承诺的措施包括增加政府支持基金的资助和放宽监管要求。
2025 年 5 月，高市推出了“初创企业总体动力计划”，其中概述了与增加政府资金以加速初创企业相关的政策。该计划以2022年制定的“五年创业发展计划”为基础，旨在到2027财年将对初创企业的投资增加到10万亿日元。 2026 年 4 月，日本政府修订了《金融工具和交易法》，将加密资产归类为金融工具，将数字资产从实验性支付类别移至与股票市场同一级别。 杂志：迪拜位居亚洲加密中心之首，台湾通过加密法：亚洲快报
SBI VC Trade will open JPYSC lending applications on July 16, offering an initial 3% annual rate for a 12-week term without deposit insurance.
Tokyo-based SBI VC Trade will begin accepting applications Thursday for a Japanese yen-denominated stablecoin lending service offering an initial annualized rate of 3% on JPYSC lent for 12 weeks.
Customers will lend JPYSC to the SBI Holdings subsidiary from Thursday and receive the tokens back with a lending fee at maturity, the company said in a Monday press release. At the advertised rate, the gross return over the 12-week term would be about 0.69%, before tax.
The company said the product pays more than the 0.325% to 1% annual rate SBI cited for ordinary yen deposits. Still, it is not a bank deposit, is not covered by deposit insurance and generally cannot be canceled early.
JPYSC lent to SBI VC Trade will also fall outside statutory asset segregation requirements, meaning customers could lose some or all of their tokens if the company goes bankrupt, according to the release.
The launch gives JPYSC a new use case just weeks after SBI introduced the trust-structured yen stablecoin on June 24, with regulated stablecoins evolving from payments to yield-bearing instruments in Japan. SBI VC Trade previously launched stablecoin lending services in Japan in March for Circle’s dollar-denominated USDC (USDC) stablecoin.
SBI claimed this was the first service to allow Japanese customers to lend their yen-denominated stablecoins in exchange for passive yield.
JPYSC lending service features. Source: sbivc.co.jp
Solana partnership widens onchain ambitions
SBI is separately building the infrastructure it hopes will eventually move JPYSC beyond its own platform and into a broader market for tokenized assets and cross-border settlement.
SBI Holdings announced a strategic partnership with the Switzerland-based Solana Foundation on Monday, aiming to build a Japanese onchain financial market.
As part of the partnership, the Solana Foundation will join SBI R3 Japan, which will be renamed SBI Solana Global and issue a new growth strategy focused on the yen-backed stablecoin.
The initiative aims to position Japan as a leading hub for onchain finance, while expanding stablecoins and tokenized real-world asset usage across Asia. It also includes building more infrastructure for institutional onchain financial services, cross-border payments and payment infrastructure for AI agents.
Related: Metaplanet explores Bitcoin-backed digital credit with JPYC in Japan
Japanese PM reaffirms support for crypto and Web3 startups: report
The stablecoin lending service’s launch follows positive regulatory signals for Japanese Web3 startups and cryptocurrency companies.
The Japanese government plans to strengthen support for crypto and Web3 startups, Japanese Prime Minister Sanae Takaichi reportedly said during a video address at the WebX 2026 conference.
Some of the promised measures include increased funding from government-backed funds and easing of regulatory requirements.
In May 2025, Takaichi introduced the “Startup Total Power Package,” which outlined policies tied to increased governmental funding to accelerate startups. The package builds on the “Five-Year Startup Development Plan” formulated in 2022, which aims to increase investments in startups to 10 trillion yen by the fiscal year 2027.
In April 2026, the Japanese government amended the Financial Instruments and Exchange Act to classify crypto assets as financial instruments, moving digital assets out of the experimental payments category into the same league as its stock market.
Magazine: Dubai tops Asian crypto hubs, Taiwan passes crypto laws: Asia Express
