Initiative for Interbank Settlement of Tokenized Deposits Adopted as a Supported Project by the Financial Services Agency's 'FinTech Proof-of-Concept Hub'
DeCurret DCP, GMO Aozora Net Bank, and ABeam Consulting's initiative to advance interbank settlement using tokenized deposits has been accepted by Japan's Financial Services Agency. This project will verify on-chain interbank settlements for tokenized deposits across multiple banks, aiming to reduce settlement risk and operational load through 24/7 Real-Time Gross Settlement. The verification includes two main methods: a TD lead bank system and a TD-SC linked system.
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- 📰 Published: April 3, 2026 at 23:00
- 🔍 Collected: April 3, 2026 at 18:04
- 🤖 AI Analyzed: April 17, 2026 at 12:07 (330h 2m after Collected)
DeCurret DCP Corporation (Head office: Chiyoda-ku, Tokyo; Representative Director, President, Executive Officer, CEO & COO: Keisei Hirako), GMO Aozora Net Bank, Ltd. (Head office: Shibuya-ku, Tokyo; Representative Director and Chairman: Takehito Kaneko, Representative Director and President: Satoshi Mizumachi), and ABeam Consulting Ltd. (Head office: Chuo-ku, Tokyo; Representative Director and President: Takahiro Yamada) announce that their initiative to advance interbank settlement in domestic exchange using tokenized deposits has been adopted as a supported project by the Financial Services Agency's 'FinTech Proof-of-Concept Hub'.
New on-chain* settlements leveraging blockchain technology, such as Tokenized Deposits (hereinafter TD) and Stablecoins (hereinafter SC), are rapidly gaining social penetration globally. A key issue that arises in this context is multi-bank compatibility. For instance, if multiple banks tokenize deposits and users can transfer TDs across banks, the method for conducting interbank settlement becomes a crucial point of discussion.
In this proof-of-concept, verification will proceed based on the fundamental concept that 'interbank settlements for on-chain user-to-user transactions will also be completed on-chain'.
That is, it is assumed that interbank settlements for TD transfers between users across multiple banks will be conducted on-chain. By making all transactions 24/7 RTGS (Real-Time Gross Settlement), the aim is to reduce settlement risk, required liquidity, and operational load, and verification will be conducted from perspectives such as legality, usefulness, and feasibility.
There are mainly two implementation methods to be verified. The first is the TD lead bank method, where one private bank acts as the lead bank, simultaneously handling user-to-user transfers on TD and interbank settlements on TD within the lead bank. The second is the TD-SC linked method, where interbank settlements related to user-to-user transfers on TD are conducted using SC.
On March 3, 2026, Bank of Japan Governor Ueda mentioned the possibility of 'tokenization of central bank money' during FIN/SUM 2026. In this proof-of-concept, we intend to actively participate in future discussions and verifications while keeping a close eye on such developments.
Many financial institutions are participating in this proof-of-concept, and from the perspective of Japan's payment infrastructure supporting next-generation finance, we will jointly promote discussions on reducing interbank settlement risks and creating new business opportunities.
Participating Companies in the Proof-of-Concept (in Japanese alphabetical order, titles omitted)
*On-chain: High-speed, low-cost transactions executed and recorded on a blockchain
Reference: Financial Services Agency 'About the Establishment of the FinTech Proof-of-Concept Hub'
https://www.fsa.go.jp/news/29/sonota/20170921/20170921.html
■Company Overview
Company Name: DeCurret DCP Corporation
URL: https://www.decurret-dcp.com
Location: 2-10-2 Fujimi, Chiyoda-ku, Tokyo
Representative: Keisei Hirako, Representative Director, President, Executive Officer, CEO & COO
Business Content: Digital currency business / Electronic payment service provider, Kanto Local Finance Bureau Director (Den-dai) No. 92
Company Name: GMO Aozora Net Bank, Ltd.
Location: Shibuya Fukuras, 1-2-3 Dogenzaka, Shibuya-ku, Tokyo
Representative: Takehito Kaneko, Representative Director and Chairman; Satoshi Mizumachi, Representative Director and President
Business Content: Banking business
Company Name: ABeam Consulting Ltd.
URL: https://www.abeam.com/jp/ja/
Location: Tokyo Midtown Yaesu, Yaesu Central Tower, 2-2-1 Yaesu, Chuo-ku, Tokyo
Representative: Takahiro Yamada, Representative Director and President
Business Content: Management consulting, Business process consulting, IT consulting, Outsourcing
ABeam Consulting Ltd.
ABeam Consulting is a comprehensive management consulting firm that provides global services tailored to each country and region through its overseas network, primarily in Asia. With approximately 9,000 professionals who possess expertise and extensive experience in areas such as strategy, BPR, IT, organization/human resources, and outsourcing, we offer a wide range of consulting services to companies and organizations across various sectors including finance, manufacturing, distribution, energy, information and communication, and public services. ABeam Consulting contributes to the transformation of companies and society as a creative partner that co-creates a new future with companies and organizations and leads them to solid transformation.
Homepage: https://www.abeam.com/jp/ja/