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Japan Launches Yen-Backed Stablecoin to Boost DeFi Lending

Japan launches Asia’s first fully convertible yen-backed stablecoin JPYC, enabling DeFi carry trade amid cautious regulations and mixed market trends

  • Japan launched Asia’s first fully convertible yen-backed stablecoin, JPYC, enabling global circulation.
  • The yen’s full convertibility supports a new blockchain-based carry trade linking DeFi yields with Bank of Japan rates.
  • Japan maintains low interest rates, with the Bank of Japan’s policy rate at 0.5%, offering cheap digital yen funding.
  • JPYC currently limits redemptions to $6,500 daily, restricting large-market impact.
  • Bitcoin and Ether prices declined slightly amid cooling investor demand following recent rallies.

Japan has introduced a new yen-backed stablecoin called JPYC, making it the first fiat-pegged token in Asia that can circulate internationally due to the yen’s full convertibility. This launch potentially enables Japan’s low-rate liquidity to enter decentralized finance (DeFi), giving traders access to cheap digital yen they can use to pursue higher yields in dollar-linked assets.

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The Bank of Japan (BOJ) currently holds its interest rate at 0.5%, its highest since 2008 but still low compared to global benchmarks. This rate makes yen borrowing inexpensive. Platforms such as Maple, Lista, and Stream Finance offer annual returns between 6% and 14%, significantly surpassing Japan’s sub-1% money market rates. This setup creates a programmable version of the long-established yen carry trade in the DeFi ecosystem.

Despite these opportunities, JPYC limits daily redemptions to roughly $6,500 (¥1 million), which constrains its immediate market influence. Japan’s financial regulations continue to impose restrictions, reflecting cautious oversight even as digital finance expands.

In market movements, Bitcoin prices dropped 1.6% to $110,432 over 24 hours, following a post-September decline in U.S. investor demand. Data shows that spot ETF outflows averaged 281 BTC over the past week, with reduced premiums on Coinbase indicating profit-taking. Ether decreased by 1.5% to about $3,914, with ETF inflows nearly halted since mid-August and signs of lower leveraged exposure ahead of significant U.S. macroeconomic data.

Gold remained steady near $4,020 per ounce after recent volatility. Meanwhile, Asia-Pacific stock markets saw mixed results following the Federal Reserve’s 25-basis-point rate cut amid investors awaiting geopolitical developments and trade deal updates between the U.S., China, and South Korea.

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Elsewhere, discussions led by DRW aim to raise $500 million for the Canton Token treasury. A Solana event in China ended prematurely due to regulatory warnings about stablecoins. Additionally, Kraken has outspent other crypto exchanges in European Union lobbying efforts, ahead of Coinbase.

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