#Cryptocurrency #Japan #Bitcoin #Tokyo #Lending

Understanding the Dynamics of Cryptocurrency Lending Choices

The rise of cryptocurrency lending services in Japan has garnered significant attention as more people explore these platforms for asset management. To delve deeper into what influences choices among users, Mediverse, a Web3 media platform managed by For-IT, conducted a comprehensive survey to assess the current state of cryptocurrency lending in Japan.

Survey Overview

Target Audience: Individuals aged 20 and above holding cryptocurrency accounts.
Sample Size: 500 respondents.
Methodology: Online research conducted nationwide.
Conducted: From October 9 to 10, 2025
Media Source: Mediverse

Background

Given the growing interest in investment in cryptocurrencies like Bitcoin (BTC) and Ethereum (ETH), there has been a notable trend towards utilizing lending services that allow users to lend their crypto assets in exchange for profits. This raises pertinent questions about who is engaging with these services and what criteria they consider when selecting a platform for lending.

To analyze this, the recent survey targeted 500 individuals in Japan who own cryptocurrency accounts, examining their experiences and preferences in cryptocurrency lending.

Survey Findings

Lending Participation
The survey revealed that more than half of the respondents, specifically 55%, actively participate in cryptocurrency lending. An examination of gender responses showed that lending participation varied: 53.1% of men and 59.1% of women reported being engaged in lending, indicating higher participation among women.

When analyzing by age, it was clear that lending rates decrease with increasing age. While over 70% of individuals in their 20s are engaged in lending, only 11.4% of respondents in their 60s reported participating in similar activities. Additionally, a demographic breakdown by household income showcased a trend: participation rates increased alongside household income. Only 41.8% of households earning below 3 million yen participated, contrasted with 64.1% in households earning over 10 million yen.

Cryptocurrency Lended
Among those participating in lending, when asked about the cryptocurrencies they are currently lending, Bitcoin emerged as the frontrunner at 66.2%. Following Bitcoin, Ethereum was noted by 45.8% and Solana by 31.3%. The data underscored a stark contrast with Bitcoin leading significantly over Solana.

Analysis of the data found minimal gender differences in the cryptocurrencies lent. Both genders favor lending Bitcoin primarily. However, women displayed higher engagement rates with Ethereum and Solana. Age also influenced the chosen cryptocurrencies, with Bitcoin maintaining its top spot across all age groups. Notably, younger adults exhibit a preference for Ethereum, while older demographics leaned towards lending XRP.

Criteria for Choosing Lending Platforms
When asked what factors are prioritized when selecting a lending platform, the most cited reason (56.4%) was the interest rates offered. This was followed by the number of cryptocurrencies available (41.8%), the flexibility of cancellation periods (38.6%), the reliability of the operating company (28.7%), and the minimum loan amounts required (9.8%).

There were observable differences between gender responses on lending platform selection. Both men and women prioritized interest rates, yet men rated the number of cryptocurrencies and the reliability of companies higher, while women placed more importance on the flexibility of cancellation.

Age delineated another layer of diversity. Across all demographics, interest rate significance stood prevalent, particularly among those in their 50s, with nearly 77% noting it as a primary consideration. Further, this age group also showed higher regard for cancellation flexibility and trust in operators. Additionally, younger generations displayed a stark interest in the variety of available assets, preferentially assessing options beyond interest rates.

Concluding Reflections
The results of this survey underscore the growing interest in cryptocurrency lending among Japanese consumers, characterized by distinct patterns influenced by gender, age, and income levels. Young adults and higher-income individuals are more likely to engage in multiple cryptos, showcasing varied strategies in their asset management approaches.

As the importance of interest rates remains paramount, high-income users are similarly inclined to consider qualitative factors such as flexibility in withdrawing assets. In the future, cryptocurrency lending is anticipated to evolve as part of diverse investment strategies. Service providers in this sector must respond to these insights, tailoring their offerings to meet a broader spectrum of user needs.

Mediverse, committed to delivering the latest updates and insights on cryptocurrencies, NFTs, and DeFi solutions, will continue to explore and report these trends to a growing audience.

Explore More

For additional insights from past surveys: Previous Survey Results

About Mediverse

Launched by For-IT in April 2022, Mediverse is a Web3 platform promoting awareness and understanding around cryptocurrency, NFTs, and decentralized finance among users in Japan and beyond. By providing accessible and informative content, Mediverse contributes to the growth of this expanding market.

Company Details

• - Company Name: For-IT, Inc.
• - Location: 9th Floor, Space Tower, Maruyama-cho 3-6E, Shibuya, Tokyo
• - Capital: 10 million yen (as of April 2025)
• - Business Focus: Affiliate marketing, global marketing, influencer platforms, app development, media, and CRM services.
• - Website: For-IT