Written by Zoltan Vardaistaff writerReviewed by Bryan O’Sheastaff editor

Written by Zoltan Vardaistaff writer

Reviewed by Bryan O’Sheastaff editor

Japan’s SBI to launch yen stablecoin lending with 3% yield

Latest NewsPublishedJul 13, 2026

Earning Opportunities Expand with Yen Stablecoin Lending

The launch of a yen stablecoin lending service by SBI VC Trade is set to open up new opportunities for earning passive income. With an initial annual rate of 3% for a 12-week term, this service offers a higher yield than traditional yen deposits. This development is significant for everyday people looking to earn online, as it provides an alternative to traditional banking products.

The service, which begins accepting applications on July 16, will allow customers to lend JPYSC to SBI VC Trade and receive the tokens back with a lending fee at maturity. While the gross return may be around 0.69% before tax, it still exceeds the typical annual rate for yen deposits. However, it’s essential to note that this is not a bank deposit and is not covered by deposit insurance.

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The partnership between SBI Holdings and the Solana Foundation aims to build a Japanese onchain financial market, which will further expand the use of stablecoins and tokenized assets. This initiative is expected to position Japan as a leading hub for onchain finance, providing more opportunities for earning online. With the growing support for crypto and Web3 startups, the future of earning looks promising, and EcoPool is at the forefront of this development.

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SBI claimed this was the first service to allow Japanese customers to lend their yen-denominated stablecoins in exchange for passive yield.

By offering yields “exceeding” the typical annual rate for yen deposits, SBI anticipates an expansion among yen-denominated stablecoin holders and said the service will be “core” for realizing the future of onchain finance. 

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

Cointelegraph is committed to independent, transparent journalism. This news article is produced in accordance with Cointelegraph’s Editorial Policy and aims to provide accurate and timely information. Readers are encouraged to verify information independently.

• Stablecoin
• Japan
• Yields
• Passive Income
• Yen
• SBI
• Industry

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