Toyota Finance opens tokenized bonds to retail investors via mobile payment app

cointelegraphPublished on 2026-08-18Last updated on 2026-08-18

Abstract

Toyota Finance is offering a tokenized bond directly to retail investors through the Toyota Wallet mobile payment app. The one-year bond requires a minimum investment of 100,000 yen ($676) and carries a 1.72% annual interest. It is managed on blockchain infrastructure provided by BOOSTRY. This direct distribution model allows investors to purchase the bond without a securities account and enables Toyota to integrate bondholder communications and benefits within the same ecosystem. These benefits may include Toyota Wallet balances, tickets to Fuji Speedway, and test-drive experiences. This marks Toyota Finance's second security token bond offering, following its debut issuance in March 2025.

Toyota’s finance arm is launching a tokenized bond that retail investors can buy directly through the Japanese carmaker’s mobile payment app, Toyota Wallet.

Toyota Finance said Tuesday that applications have opened for the one-year bond, with investments starting at 100,000 Japanese yen ($676). The new bond will be distributed directly by Toyota Finance, allowing investors to buy it without opening a securities account.

The 1 billion yen bond carries a 1.72% annual interest rate and will be managed on blockchain infrastructure provided by Japanese security-token firm BOOSTRY.

The carmaker said the direct distribution model will allow it to integrate applications, communications with bondholders and investor benefits within the same ecosystem.

Investors may also receive Toyota Wallet balances and qualify for benefits including Fuji Speedway tickets and test-drive experiences, including in Lexus and selected classic Toyota vehicles.

The offering is Toyota Finance’s second security token bond following its debut issuance in March 2025, which was sold through securities companies.

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