Digital Platformer K.K. and JPYC K.K. to begin joint study for business collaboration between JPYC and regional financial institutions.

November 18, 2025

デジタルプラットフォーマー株式会社（代表取締役CEO：松田一敬、以下「デジタルプラットフォーマー」）と、JPYC株式会社（代表取締役CEO：岡部典孝、以下「JPYC」）は、日本初の日本円建てステーブルコイン「JPYC（ジェーピーワイシー）」と、北國銀行が2024年4月より発行を開始した預金型トークン「トチカ」との相互連携および地方金融機関との業務提携モデル構築に向けた共同検討を開始したことをお知らせいたします。

This initiative aims to promote the efficiency and digitization of the local economy by integrating the highly reliable deposit and remittance infrastructure of regional financial institutions with a new financial infrastructure based on blockchain technology.

Background

Digital Platformer has worked with local governments and regional banks to build multiple blockchain platforms, including local currencies and digital gift certificates. In particular, in 2024, together with Hokkoku Bank, we provided technical support for Japan’s first deposit-type token, “Totica,” contributing to the development of a system that allows local financial institutions to issue their own stablecoins.

Meanwhile, JPYC has begun issuing JPYC, a fund transfer business type Japanese yen-denominated stable coin, and local financial institutions across Japan have been consulting with us regarding the issuance and redemption of JPYC and its connection to their payment infrastructure

The two parties will jointly study the following issues, including feasibility and institutional issues, based on the opinions of experts.

The model for local financial institutions to take on JPYC issuance and redemption operations
Optimization of fees and payment schemes when stores introduce JPYC payments
How to smoothly link yen deposits and JPYC with regional financial institutions
JPYCを活用した国内外送金の効率化および新サービス開発の可能性

This will support the use of stablecoin in a way that is optimized for each region and promote new revenue opportunities for regional financial institutions and the digital transformation of regional economies.

Figure 1: JPYC Issue and Redemption Scheme Diagram

Figure 2: Store Payment Scheme with JPYC

Figure 3: Smooth Linkage of Yen Deposits and JPYC with Regional Financial Institutions

Figure 4: Efficiency of domestic and international remittances and development of new services using JPYC

Past release: https://digitalplatformer.co.jp/20240523001/

Future Plans and Outlook

This joint study aims to expand JPYC into a form that can be used for both local settlement and international remittance, referring to existing examples such as Hokkoku Bank’s “Totica”.

In addition, through the stable coin exchange that JPYC plans to open, JPYC will enable the exchange between domestic and foreign electronic payment instruments and local tokens, and will study the establishment of a highly flexible digital money distribution infrastructure.

In the future, we aim to create an environment that provides more convenient financial services for users by significantly reducing exchange costs and remittance time.

About Deposit-Type Token “Totica

Totica is Japan’s first deposit-type token jointly developed by Hokkoku Bank and a digital platformer.

When you register a bank account for recharging in the “TOCHITUKA” application, a TOCHITUKA account will be opened, and you can pay at participating merchants with 1 TOCHITUKA = 1 yen by recharging from your registered bank account.

Merchants can introduce cashless payments at an internationally low cost of 0.5% (including tax).

Service website: https: //tochituka.com/

Features of the Japanese Yen Stable Coin JPYC

JPYC, a fund transfer business type stable coin, is an “electronic means of payment” under Article 2, Paragraph 5 of the Funds Settlement Act, and has the following features

Exchangeable at 1:1 with Japanese yen (issue and redemption)
Immediate delivery and receipt while maintaining the yen value
Low-cost, high-speed on-chain remittance using blockchain
発行価値の裏付け資産は、日本円（預貯金および国債）によって発行残高の100%以上を保全

In addition to various on-chain services combined with smart contracts, there are potential use cases in the future in a wide variety of areas, such as receiving money as salary or compensation, withdrawing money as cash via ATMs, etc. A wide range of applications can be expected as the financial infrastructure of the future.

https://prtimes.jp/main/html/rd/p/000000283.000054018.html

About JPYC Corporation

JPYC Corporation has been in the stable coin business since 2021. It has obtained registration as a fund transfer agent and issued the first Japanese yen-denominated stable coin “JPYC” in Japan. Through the issuance of the JPYC, JPYC will play a central role in the Japanese yen-denominated stable coin business in Japan and abroad, and promote efficient digital financial innovation by taking advantage of its characteristics such as transparency and low-cost remittance.

Company name: JPYC Corporation
Representative: Noritaka Okabe, Representative Director

About Digital Platformer, Inc.

Since its establishment in 2020, Digital Platformer, Inc. has pioneered blockchain technology in Japan by providing digital regional development ticket and decentralized ID (DID) issuance platforms utilizing blockchain technology for local governments and businesses.

In the spring of 2024, in collaboration with Hokkoku Bank, Japan’s first deposit-type stable coin “Totica” will be launched.

From 2023, we are also developing a new platform utilizing a consortium-type blockchain that can flexibly meet the diverse needs of local governments and business corporations.

Company name: Digital Platformer K.K.
Representative: Kazutaka Matsuda
Location: Nittele Yotsuya Bldg. 5F, 5-3-23 Chiyoda-machi, Tokyo
Establishment: April 2020
URL: https: //digitalplatformer.co.jp/