Initiative for "Interbank Settlement of Tokenized Deposits" Selected for Financial Services Agency's "FinTech Demonstration Experiment Hub"
GMO Aozora Net Bank Ltd., DeCurret DCP Inc., and Abeam Consulting Inc. announce their initiative for interbank settlement using tokenized deposits has been selected for the Financial Services Agency's FinTech Demonstration Experiment Hub, aiming to enhance payment systems.
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- 📰 Published: April 3, 2026 at 23:00
DeCurret DCP Inc. (Headquarters: Chiyoda-ku, Tokyo; President & CEO: Keio Hirako), GMO Aozora Net Bank, Ltd. (Headquarters: Shibuya-ku, Tokyo; Chairman of the Board: Takato Kaneko, President & Representative Director: Satoshi Mizumachi), and Abeam Consulting Ltd. (Headquarters: Chuo-ku, Tokyo; President & Representative Director: Takahiro Yamada) are pleased to announce that their initiative to advance interbank settlement for domestic remittances using tokenized deposits has been selected as a supported project by the Financial Services Agency's "FinTech Demonstration Experiment Hub."
New on-chain* payments utilizing blockchain technology, such as tokenized deposits (hereinafter referred to as TD) and stablecoins (hereinafter referred to as SC), are rapidly gaining social penetration globally. A key issue in this context is multi-bank support. For example, if multiple banks tokenize deposits and users can transfer TDs across banks, the method of interbank settlement becomes a critical point.
This demonstration will proceed with verification based on the fundamental concept: "On-chain user-to-user transactions will have their interbank settlement also completed on-chain."
Specifically, we envision interbank settlement for TD transfers between users across multiple banks to be conducted on-chain. By implementing RTGS (Real-Time Gross Settlement) for all transactions 24/7/365, we aim to reduce settlement risk, required liquidity, and operational load, and will verify this from the perspectives of legality, usefulness, and feasibility.
Two main implementation methods will be verified. First, the TD Lead Bank Method, where one commercial bank acts as the lead bank, simultaneously handling user-to-user TD transfers on-chain and interbank settlement of TDs within the lead bank. Second, the TD-SC Linkage Method, where interbank settlement for TD user-to-user transfers is conducted using SCs.
On March 3, 2026, in FIN/SUM 2026, Governor Kazuo Ueda of the Bank of Japan mentioned the possibility of "tokenizing central bank money." While closely monitoring such trends, we intend to actively participate in future discussions and verification.
Many financial institutions are participating in this demonstration, 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 Demonstration Experiment (in Japanese alphabetical order, titles omitted)
(Image omitted)
*On-chain: Fast, low-cost transactions executed and recorded on the blockchain.
Reference: Financial Services Agency "Regarding the Establishment of the FinTech Demonstration Experiment Hub"
https://www.fsa.go.jp/news/29/sonota/20170921/20170921.html
■Company Overview
Company Name: DeCurret DCP Inc.
URL: https://www.decurret-dcp.com
Location: 2-10-2 Fujimi, Chiyoda-ku, Tokyo
Representative: Keio Hirako, President & CEO, COO
Business Description: Digital currency business / Electronic Payment Agency, Kanto Local Finance Bureau (Electronic Payment Agency) No. 92
Company Name: GMO Aozora Net Bank, Ltd.
URL: https://gmo-aozora.com/
Location: Shibuya Fukuras, 1-2-3 Dogenzaka, Shibuya-ku, Tokyo
Representative: Takato Kaneko, Chairman of the Board; Satoshi Mizumachi, President & Representative Director
Business Description: Banking business
Company Name: Abeam Consulting Ltd.
URL: https://www.abeam.com/jp/ja/
Location: Yaesu Central Tower, Tokyo Midtown Yaesu, 2-2-1 Yaesu, Chuo-ku, Tokyo
Representative: Takahiro Yamada, President & Representative Director
Business Description: Management consulting, Business process consulting, IT consulting, Outsourcing
New on-chain* payments utilizing blockchain technology, such as tokenized deposits (hereinafter referred to as TD) and stablecoins (hereinafter referred to as SC), are rapidly gaining social penetration globally. A key issue in this context is multi-bank support. For example, if multiple banks tokenize deposits and users can transfer TDs across banks, the method of interbank settlement becomes a critical point.
This demonstration will proceed with verification based on the fundamental concept: "On-chain user-to-user transactions will have their interbank settlement also completed on-chain."
Specifically, we envision interbank settlement for TD transfers between users across multiple banks to be conducted on-chain. By implementing RTGS (Real-Time Gross Settlement) for all transactions 24/7/365, we aim to reduce settlement risk, required liquidity, and operational load, and will verify this from the perspectives of legality, usefulness, and feasibility.
Two main implementation methods will be verified. First, the TD Lead Bank Method, where one commercial bank acts as the lead bank, simultaneously handling user-to-user TD transfers on-chain and interbank settlement of TDs within the lead bank. Second, the TD-SC Linkage Method, where interbank settlement for TD user-to-user transfers is conducted using SCs.
On March 3, 2026, in FIN/SUM 2026, Governor Kazuo Ueda of the Bank of Japan mentioned the possibility of "tokenizing central bank money." While closely monitoring such trends, we intend to actively participate in future discussions and verification.
Many financial institutions are participating in this demonstration, 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 Demonstration Experiment (in Japanese alphabetical order, titles omitted)
(Image omitted)
*On-chain: Fast, low-cost transactions executed and recorded on the blockchain.
Reference: Financial Services Agency "Regarding the Establishment of the FinTech Demonstration Experiment Hub"
https://www.fsa.go.jp/news/29/sonota/20170921/20170921.html
■Company Overview
Company Name: DeCurret DCP Inc.
URL: https://www.decurret-dcp.com
Location: 2-10-2 Fujimi, Chiyoda-ku, Tokyo
Representative: Keio Hirako, President & CEO, COO
Business Description: Digital currency business / Electronic Payment Agency, Kanto Local Finance Bureau (Electronic Payment Agency) No. 92
Company Name: GMO Aozora Net Bank, Ltd.
URL: https://gmo-aozora.com/
Location: Shibuya Fukuras, 1-2-3 Dogenzaka, Shibuya-ku, Tokyo
Representative: Takato Kaneko, Chairman of the Board; Satoshi Mizumachi, President & Representative Director
Business Description: Banking business
Company Name: Abeam Consulting Ltd.
URL: https://www.abeam.com/jp/ja/
Location: Yaesu Central Tower, Tokyo Midtown Yaesu, 2-2-1 Yaesu, Chuo-ku, Tokyo
Representative: Takahiro Yamada, President & Representative Director
Business Description: Management consulting, Business process consulting, IT consulting, Outsourcing
FAQ
What are tokenized deposits?
Deposits issued and managed using blockchain technology. They hold value and can be transferred like regular deposits.
What is the purpose of this demonstration experiment?
To enable on-chain interbank settlement, aiming to reduce settlement risk, operational load, and increase efficiency.
What methods will be verified?
Two methods will be verified: the TD Lead Bank method and the TD-SC linkage method utilizing SC (Stablecoins).