Initiative for "Interbank Settlement of Tokenized Deposits" Selected for Financial Services Agency's "FinTech Demonstration Experiment Hub"

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