Japan’s SBI VC Trade, part of SBI Holdings, has launched a USDC lending service for retail investors. This service allows users to lend their Circle USDC stablecoins directly to the platform for a fixed term and earn interest in return.
This product is structured as a loan to SBI VC Trade, so users take on counterparty risk. The platform may also re-lend the borrowed USDC as part of its operations. Each lending offer has a maximum limit of 5000 USDC allowing investors to access digital asset returns in a controlled way.
This launch provides a new way for retail investors in Japan to earn from stablecoins while participating in the country’s growing digital finance market.
A New Option Instead of Regular Bank Deposits
SBI VC Trade’s USDC lending service gives people in Japan a new way to use their money, different from regular bank deposits. Instead of putting money in a bank, users can lend their USDC stablecoins to the platform and earn interest over a fixed period.
However, it’s important to understand the risks. bank deposits, the money is not fully protected, and users might not get it back if the platform faces financial problems.
Also, during the lending period, users cannot withdraw or move their funds, which means they have less flexibility if market conditions change. Despite these limits, this service provides a stable return opportunity for retail investors who want to explore digital assets safely under a regulated platform.
Related: Mastercard to Acquire Stablecoin Firm BVNK for $1.8B
Expanding Japan’s Stablecoin Market
Japan’s stablecoin market is steadily growing with new initiatives. On March 26, 2025, after receiving regulatory approval, USDC launched full-scale operations, becoming the first globally approved stablecoin for use in Japan.
This milestone allows both retail and institutional investors to access regulated digital assets in a safe and trusted environment.
To strengthen its presence, a joint venture with Circle was formed to promote the use of USDC in Japan, exploring new applications in digital finance.
Additionally, a collaboration with Startale is underway to develop a yen-denominated stablecoin aimed at tokenized assets and global payments. These initiatives demonstrate Japan’s commitment to advancing digital finance, providing innovative solutions that combine the stability of traditional finance with the opportunities offered by blockchain technology.
