Japan Post Bank запустит в 2026 году депозитный токен DCJPY

cryptonews.ruPublished on 2025-04-30Last updated on 2025-09-01

Acryptoinvest.news: По данным нового отчета местного издания Nikkei, Japan Post Bank планирует внедрить сеть токенизированных активов в 2026 финансовом году, что предоставит владельцам 120 миллионов счетов возможность обменять свои сбережения на токен, который можно будет использовать для более простых транзакций с ценными бумагами.

Согласно отчёту, к сети DCJPY присоединится Japan Post Bank, который выпустит одноимённый токен, погашаемый банками-партнёрами по 1 иене. DCJPY был создан японской фирмой DeCurret DCP, поддерживаемой, в частности, MUFG (крупнейшей финансовой компанией Японии), а сеть была представлена в августе 2024 года.

Вкладчики смогут мгновенно конвертировать свои сбережения в токены DCJPY, которые затем можно будет использовать для покупки токенизированных ценных бумаг с доходностью около 3–5%, говорится в отчёте. Банк, который принимает больше депозитов от розничных клиентов, чем любой другой банк в стране, стремится привлечь более молодую клиентскую базу, сокращая время расчётов по таким транзакциям с нескольких дней до практически мгновенного.

В отчёте говорится, что DeCurret DCP также ведёт переговоры с местными органами власти о выплате субсидий и грантов через DCJPY, что позволит оцифровать местные операции. На данный момент единственным банком, заявленным как банк, выпускающий DCJPY, является GMO Aozora Net Bank, хотя он уже прошёл различные испытания в рамках концепций.

Депозитный токен отличается от стейблкоина тем, что работает в разрешённой сети и представляет собой прямой банковский депозит. Nikkei также сообщила в этом месяце, что Агентство финансовых услуг Японии планирует этой осенью одобрить свой первый регулируемый стейблкоин, деноминированный в иенах, выпущенный токийской финтех-компанией JPYC. Япония также рассматривает возможность пересмотра своего налогового кодекса для стимулирования торговли криптовалютами и открытия пути к официальным предложениям ETF.

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