Japan’s largest deposit bank plans to launch a new system in 2026, allowing 120 million account holders to instantly convert their savings into digital tokens.
Japan Post Bank is set to join the DCJPY tokenized asset network in fiscal year 2026, aiming to provide its 120 million account holders with faster and more efficient investment opportunities. The move will enable customers to instantly convert their deposits into digital tokens and use them more easily in securities transactions.
The DCJPY network is backed by leading Japanese financial institutions and was developed by DeCurret DCP. Each DCJPY token is redeemable 1:1 for Japanese yen through partner banks. With this system, investors will be able to channel their savings into tokenized securities targeting returns of 3% to 5%. Settlement times, which previously took days, will be reduced to near-instant, strengthening the bank’s appeal to younger customers.
Beyond investments, DCJPY could also play a role in public services. Reports indicate that DeCurret DCP is in talks with local governments to distribute subsidies and grants directly through the network. So far, only one bank has been designated as an official “minting bank,” but wider adoption is expected in the coming years.
These efforts coincide with Japan’s broader digital asset strategy. The country is expected to approve its first regulated yen-based stablecoin this fall, alongside tax reforms to encourage crypto trading and potential ETF initiatives. Together, these steps highlight Japan’s determination to accelerate financial transformation through digital assets.
