Los mayores bancos de Japón prevén el lanzamiento de una stablecoin en el año fiscal 2026 ante el impulso regulatorio

bitcoinistPublicado em 2026-06-11Última atualização em 2026-06-11

Resumo

Las tres principales entidades bancarias de Japón —MUFG Bank, Sumitomo Mitsui Banking Corp. y Mizuho Bank— planean lanzar una stablecoin conjunta antes del 31 de marzo de 2027 (fin del año fiscal 2026). Han establecido un consejo voluntario para desarrollar el marco operativo y de gobernanza, y explorarán su uso en múltiples casos prácticos y posibles colaboraciones. El impulso regulatorio en Japón, con la modificación de la Ley de Servicios de Pago en 2022, permite que solo entidades autorizadas emitan tokens respaldados por yen. Recientemente, el partido gobernante ha instado a promover las stablecoins en yen para su uso en liquidaciones en Asia, coincidiendo con la próxima reunión anual del Banco Asiático de Desarrollo en Japón el próximo año.

Mientras las autoridades financieras japonesas impulsan la expansión del mercado de activos digitales basados en el yen, tres megabancos han avanzado en sus planes conjuntos de stablecoin al establecer un consejo para desarrollar el marco para emitir este token en el presente año fiscal.

Los megabancos avanzan en sus planes conjuntos de stablecoin

Los tres mayores bancos de Japón, Mitsubishi UFJ Financial Group (MUFG) Bank, Sumitomo Mitsui Banking Corp. y Mizuho Bank, se preparan para lanzar su stablecoin de emisión conjunta antes de finalizar el año fiscal 2026 (FY2026).

En un comunicado del miércoles, los megabancos revelaron su plan de realizar transacciones comerciales durante el FY2026 utilizando una stablecoin emitida bajo un acuerdo fiduciario, donde los tres bancos actuarán como fiduciantes conjuntos y un banco fiduciario o entidad similar será el fideicomisario.

Los bancos anunciaron que han firmado un memorándum de entendimiento (MoU) para formar un consejo voluntario conjunto para revisar los marcos operativos, la gobernanza y temas relacionados para respaldar la implementación práctica del token.

"El Consejo servirá como un marco para examinar el posible desarrollo de una infraestructura de emisión relacionada con la Stablecoin Objetivo, así como el diseño de sistemas, esquemas y estructuras de gobernanza", señaló el comunicado.

Los tres bancos también acelerarán sus esfuerzos para apoyar el uso potencial de estos tokens en una amplia gama de casos de uso, con el objetivo de lanzar transacciones en vivo de la stablecoin conjunta antes del 31 de marzo de 2027, cuando finaliza el año fiscal actual. Además, el consejo también considerará colaboraciones con instituciones financieras y otras partes interesadas relevantes que puedan unirse al proyecto en el futuro.

Cabe destacar que los megabancos, que en conjunto atienden a más de 300,000 empresas, comenzaron a explorar el lanzamiento de una stablecoin conjunta a finales de 2025, y los informes iniciales sugerían planes para debutar con el token dentro del FY2025.

En noviembre, los bancos anunciaron un proyecto piloto bajo el Proyecto de Innovación en Pagos de la Agencia de Servicios Financieros (FSA). El piloto utilizó la infraestructura de la empresa fintech con sede en Tokio, Progmat, y tuvo como objetivo recopilar "conocimiento práctico" sobre la emisión conjunta de una stablecoin y pagos transfronterizos avanzados.

El impulso regulatorio de Japón por los tokens respaldados por yen

En 2022, las autoridades japonesas enmendaron la Ley de Servicios de Pago para establecer un marco legal para las stablecoins. Bajo el nuevo régimen, solo las empresas de transferencia de dinero con licencia, las compañías fiduciarias y los bancos están autorizados a emitir tokens denominados en yenes.

La empresa fintech de Tokio, JPYC, lanzó en octubre el primer token vinculado al yen, JPYC, respaldado por reservas en yenes, incluidos depósitos bancarios y bonos del gobierno. A principios de este año, SBI Holdings se asoció con Startale Group para JPYSC, una stablecoin de yen respaldada por un banco fiduciario para casos de uso institucionales y transfronterizos.

La semana pasada, el Partido Liberal Democrático (LDP) de Japón pidió la creación de reglas para los fondos cotizados en bolsa (ETF) de criptomonedas y la promoción de las stablecoins denominadas en yen en la región, en una nueva propuesta al gobierno.

Junichi Kanda, un legislador en el panel del partido gobernante, afirmó que el LDP presionó al gobierno para impulsar el uso de stablecoins de yen en la región. "Instamos al gobierno a tomar medidas para promover las stablecoins de yen para liquidaciones en Asia en el futuro", declaró.

El legislador también dijo que Japón podría promover los tokens basados en yen y la innovación en blockchain el próximo año, cuando el país sea anfitrión de la reunión anual del Banco Asiático de Desarrollo.

Mientras tanto, la FSA amplió recientemente la Ordenanza de la Oficina del Gabinete para reconocer ciertas stablecoins de tipo fiduciario emitidas por bancos fiduciarios extranjeros y entidades similares como instrumentos de pago electrónico bajo la Ley de Servicios de Pago.

La capitalización total del mercado de criptomonedas se sitúa en $2.12 billones en el gráfico semanal. Fuente: TOTAL en TradingView

Perguntas relacionadas

Q¿Qué tres megabancos japoneses planean lanzar conjuntamente un stablecoin para el año fiscal 2026?

ALos tres megabancos son Mitsubishi UFJ Financial Group (MUFG) Bank, Sumitomo Mitsui Banking Corp. y Mizuho Bank.

Q¿Qué marco legal estableció Japón en 2022 que regula la emisión de stablecoins denominados en yenes?

AEn 2022, Japón enmendó la Ley de Servicios de Pago para establecer un marco legal para los stablecoins, permitiendo que solo empresas de transferencia de dinero con licencia, compañías fiduciarias y bancos emitan tokens denominados en yenes.

Q¿Qué entidad actuará como fiduciaria en el acuerdo de fideicomiso para la emisión del stablecoin conjunto de los megabancos?

AUn banco fiduciario o una entidad similar actuará como fiduciaria en el acuerdo de fideicomiso, mientras que los tres megabancos servirán como fideicomitentes conjuntos.

QAdemás de los megabancos, ¿qué otro actor del mercado japonés ha lanzado recientemente un stablecoin respaldado por yenes?

ALa empresa fintech con sede en Tokio JPYC lanzó el primer token vinculado al yen, JPYC, en octubre, respaldado por reservas en yenes, incluyendo depósitos bancarios y bonos gubernamentales.

Q¿Qué organismo político japonés propuso recientemente la creación de reglas para ETFs de criptomonedas y la promoción de stablecoins en yenes?

AEl Partido Liberal Democrático (PLD) de Japón propuso la creación de reglas para los fondos cotizados en bolsa (ETFs) de criptomonedas y la promoción de stablecoins denominados en yenes en una nueva propuesta al gobierno.

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