Initiative for 'Interbank Settlement of Tokenized Deposits' Selected for Support by FSA's 'FinTech PoC Hub'
An initiative led by DeCurret DCP, GMO Aozora Net Bank, and ABeam Consulting to advance interbank settlement using tokenized deposits has been selected as a supported project by the Financial Services Agency's FinTech PoC Hub.
📋 Article Processing Timeline
- 📰 Published: April 3, 2026 at 23:00
- 🔍 Collected: April 3, 2026 at 17:10
- 🤖 AI Analyzed: April 21, 2026 at 03:27 (418h 16m after Collected)
DeCurret DCP Inc. (Headquarters: Chiyoda-ku, Tokyo, Representative Director, President, Executive Officer, CEO & COO: Satoshi Hirako), GMO Aozora Net Bank, Ltd. (Headquarters: Shibuya-ku, Tokyo, Representative Director and Chairman: Taketo Kaneko, Representative Director and President: Satoshi Mizumachi), and ABeam Consulting Ltd. (Headquarters: 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 selected as a supported project by the Financial Services Agency's (FSA) 'FinTech PoC Hub'.
New on-chain* settlements utilizing blockchain technology, such as Tokenized Deposits (TD) and Stablecoins (SC), are rapidly penetrating society globally. A key issue in this context is multi-bank support. For instance, if multiple banks tokenize deposits and users can transfer TDs across banks, the method for conducting those interbank settlements becomes a critical point of discussion.
In this proof-of-concept (PoC), we will proceed with verification based on the fundamental concept that 'if user-to-user transactions are on-chain, the corresponding interbank settlement should also be completed on-chain.'
Specifically, it envisions performing on-chain interbank settlements related to the remittance of TDs between users across multiple banks. By making all transactions RTGS (Real-Time Gross Settlement) 24 hours a day, 365 days a year, the goal is to reduce settlement risks, required liquidity, and operational workloads. The PoC will verify the legality, usefulness, and feasibility of this approach.
The implementation methods to be verified are primarily twofold. First, the 'TD Lead Bank Method,' where one commercial bank acts as the lead bank, simultaneously executing user-to-user remittances on the TD and interbank settlements within the lead bank. Second, the 'TD-SC Linkage Method,' where interbank settlements related to user-to-user remittances on the TD are conducted utilizing SCs.
On March 3, 2026, during FIN/SUM 2026, Bank of Japan Governor Kazuo Ueda mentioned the possibility of the 'tokenization of central bank money.' In this PoC, we intend to actively participate in future discussions and verifications while closely monitoring such trends.
Many financial institutions will participate in this PoC. From the perspective of Japan's settlement infrastructure supporting next-generation finance, we will jointly promote studies on reducing interbank settlement risks and creating new business opportunities.
Participating Companies in the PoC (in alphabetical order, titles omitted)
*On-chain: High-speed, low-cost transactions executed and recorded on a blockchain.
Reference: Financial Services Agency 'Establishment of the FinTech PoC Hub'
https://www.fsa.go.jp/news/29/sonota/20170921/20170921.html
■ Company Profiles
Company Name: DeCurret DCP Inc.
New on-chain* settlements utilizing blockchain technology, such as Tokenized Deposits (TD) and Stablecoins (SC), are rapidly penetrating society globally. A key issue in this context is multi-bank support. For instance, if multiple banks tokenize deposits and users can transfer TDs across banks, the method for conducting those interbank settlements becomes a critical point of discussion.
In this proof-of-concept (PoC), we will proceed with verification based on the fundamental concept that 'if user-to-user transactions are on-chain, the corresponding interbank settlement should also be completed on-chain.'
Specifically, it envisions performing on-chain interbank settlements related to the remittance of TDs between users across multiple banks. By making all transactions RTGS (Real-Time Gross Settlement) 24 hours a day, 365 days a year, the goal is to reduce settlement risks, required liquidity, and operational workloads. The PoC will verify the legality, usefulness, and feasibility of this approach.
The implementation methods to be verified are primarily twofold. First, the 'TD Lead Bank Method,' where one commercial bank acts as the lead bank, simultaneously executing user-to-user remittances on the TD and interbank settlements within the lead bank. Second, the 'TD-SC Linkage Method,' where interbank settlements related to user-to-user remittances on the TD are conducted utilizing SCs.
On March 3, 2026, during FIN/SUM 2026, Bank of Japan Governor Kazuo Ueda mentioned the possibility of the 'tokenization of central bank money.' In this PoC, we intend to actively participate in future discussions and verifications while closely monitoring such trends.
Many financial institutions will participate in this PoC. From the perspective of Japan's settlement infrastructure supporting next-generation finance, we will jointly promote studies on reducing interbank settlement risks and creating new business opportunities.
Participating Companies in the PoC (in alphabetical order, titles omitted)
*On-chain: High-speed, low-cost transactions executed and recorded on a blockchain.
Reference: Financial Services Agency 'Establishment of the FinTech PoC Hub'
https://www.fsa.go.jp/news/29/sonota/20170921/20170921.html
■ Company Profiles
Company Name: DeCurret DCP Inc.