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CRYL: A Revolutionary Crypto-Backed Loan Service

On July 9, 2026, CRYL, a new crypto-backed loan service, will officially launch, aiming to reshape how crypto asset holders in Japan can manage their finances without needing to sell their digital currencies. Operated by J-CAM Group's subsidiary, CRYL leverages the established know-how of J-CAM in the cryptocurrency industry, making it a noteworthy financial service introduced amid growing global trends of "fundraising without selling."

The Rise of Crypto-Backed Loans

As cryptocurrencies, particularly Bitcoin, become widely accepted and held long-term, the need for liquidity arises without selling these assets. This has resulted in a significant trend in the U.S., where numerous companies use their Bitcoin holdings as collateral for business financing, thus accessing cash while retaining ownership of their assets. The concept of using crypto as collateral is still in its infancy in Japan, but it is expected to gain traction as the number of crypto asset holders increases and the desire to maintain long positions grows.

How CRYL Works

CRYL allows customers to use their crypto assets as collateral to secure loans ranging from 1 million yen up to 1 billion yen. By doing this, borrowers can satisfy various financial needs, including taxes, living expenses, business funding, and property purchases, all without having to liquidate their cryptocurrency investments.

The service features annual interest rates of between 3.5% and 7.0%, with collateral requirements set at 40% to 60% of the asset value. It additionally offers flexible options for individuals, sole proprietors, and corporations, ensuring that a wide range of financial needs are met.

Customers can complete the entire loan application and contract process online, making it a highly accessible financing option.

Loan Conditions

For individuals and sole proprietors:

• - Collateral Assets: Bitcoin (BTC)
• - Interest Rate: 3.5% – 7.0% per annum
• - Loan Amount: From 1 million yen up to 1 billion yen (in increments of 1 million)
• - Collateral Coverage Ratio: 40% - 60% (in increments of 5%)
• - Eligible Borrowers: Individuals aged between 18 and 70 with stable income (meeting company standards)
• - Repayment Method: Lump-sum repayment (one-time payment)
• - Repayment Period: 1 year (rollover options available)
• - Late Payment Penalty: 20.0% per annum
• - Contract Form: Basic credit limit contract
• - Additional Borrowing: Possible within the limit and collateral ratio of 60% or less

For corporations: Same conditions apply, offering flexibility tailored to business financing.

Company Overview

CRYL is a newly established company, launched on December 9, 2025, with a mission to enhance the way individuals and businesses can leverage their crypto holdings. Under the leadership of CEO Toshiyuki Niitsu, CRYL aims to become a leader in the crypto-backed lending space. With a capital of 800 million yen, CRYL resides in the BIZCORE Nishishimbashi building in Tokyo.

The emergence of CRYL signifies a potential shift in Japan's financial landscape, bringing forward a progressive approach to cryptocurrency use for financial empowerment. Through offerings like CRYL, J-CAM continues to innovate and adapt, fostering a more inclusive financial ecosystem. Users can apply for loans or learn more on their official website: CRYL.

Conclusion

CRYL isn't just about borrowing money—it's about reshaping the financial choices available for crypto asset holders in Japan. With the principles of decentralized finance at its core, CRYL embraces the future of finance where assets can be leveraged without being liquidated, bridging the gap between traditional financial services and burgeoning cryptocurrency trends.