SBI VC Trade Launches Japan’s First Trust Based Yen Stablecoin Lending Service

SBI VC Trade Launches Innovative Lending Service

In a groundbreaking move, SBI VC Trade Inc., a subsidiary of SBI Holdings based in Tokyo, is set to unveil Japan's first trust-based yen stablecoin lending service, named JPYSC Lending, beginning July 16, 2026. This pioneering service allows customers to lend their JPYSC stablecoins to the company and earn rental fees in return—marking a significant milestone in the domestic financial landscape.

Details of the JPYSC Lending Service

The JPYSC Lending will allow customers to lease their yen-backed stablecoins, offering an attractive interest rate that starts at 3% annual for a 12-week term, notably higher than traditional savings accounts which typically offer rates of around 0.325% to 1% without special terms. The service is expected to provide annual interest rates ranging from 1% to 3% during regular periods, making it an appealing alternative for those seeking to grow their assets. However, customers should note that the JPYSC Lending is not covered by deposit insurance.

As an introductory offer for the service, SBI VC Trade is also launching two campaigns that will enable users to win JPYSC tokens, further encouraging participation.

Unique Features of JPYSC Lending

1. High Interest Rates: The initial rate of 3% for the JPYSC Lending surpasses typical bank deposit offerings.
2. Minimal Tax Burden for Small Investments: For customers who earn less than 200,000 yen in miscellaneous income annually, filing tax returns may not be necessary, allowing the service to cater to individuals looking to start small with stablecoin investments.
3. User-Friendly Process: The procedure requires minimal effort—users can simply lend their JPYSC and earn returns without extra steps during the lending period.

The JPYSC tokens, being yen-denominated, come with no price fluctuations like other cryptocurrencies, making them ideal for local users who prefer stability. This strategy aims not only to broaden the user base for yen-based stablecoins but also to facilitate future developments in on-chain financial services.

Noteworthy Comparisons with Traditional Deposits

Feature	JPYSC Lending (12 weeks)	Yen Time Deposits (3 months)
------	-----	--------
Expected Annual Rate	3% initially	0.325% - 1% (standard)
Tax Classification	Comprehensive Tax	Withholding Tax
Tax Rate	Variable (depends on income)	20.315%
Withdrawal Flexibility	Not typically allowed	Allowed

Customers should understand the risks involved. The JPYSC they lend is not subject to the protection of fund settlement laws, putting their loans at risk in the event of company failure. Users will also be unable to sell or withdraw their JPYSC once lending has commenced.

Promotional Campaigns

To celebrate the launch of JPYSC Lending, SBI VC Trade will host a series of promotional campaigns:
1. Campaign One: For customers who apply for a total of 100,000 yen or more in JPYSC Lending during the campaign window, there is a chance to win JPYSC prizes.
2. Campaign Two: Participants can follow specific social media accounts and participate in a campaign to win JPYSC tokens.

Conclusion

SBI VC Trade stands alone in the domestic market as the only provider with a license to facilitate transactions in stablecoins. With JPYSC Lending, they are set to provide Japanese consumers with new and innovative options for asset formation. The launch of the service on July 16, 2026, marks a pivotal moment in the evolution of financial services within the stablecoin domain.

For more information, customers can visit the VCTRADE service website: SBI VC Trade.