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Japanese financial conglomerate SBI Holdings is launching a blockchain-based bond offering aimed at retail investors, merging conventional fixed-income returns with cryptocurrency incentives.
Key Takeaways:
- SBI is issuing 10 billion yen in tokenized bonds that will be recorded on a blockchain platform.
- Investors will receive fixed interest along with XRP rewards linked to their subscription amount.
- This launch signifies SBI’s broader initiative to incorporate crypto assets into traditional finance.
The new issuance, named the SBI START Bonds, amounts to 10 billion yen (approximately $64.5 million) and will be recorded and managed on-chain using the “ibet for Fin” platform developed by the enterprise blockchain company BOOSTRY.
The three-year securities offer an indicative annual yield between 1.85% and 2.45%, with interest payments made biannually.
SBI Bond Investors to Receive XRP Rewards Alongside Interest Payments
Alongside fixed returns, qualifying investors will also gain XRP token rewards. Retail investors and companies investing a minimum of 100,000 yen (around $650) and maintaining an account with SBI VC Trade are eligible for the bonus program.
As per the product specifications, investors will receive XRP equivalent to approximately 200 yen for every 100,000 yen invested.
The rewards will be distributed at issuance and again with each interest payment until 2029.
The bonds are anticipated to commence secondary trading on March 25 via the Osaka Digital Exchange’s proprietary START trading system, representing another advancement in Japan’s gradual introduction of tokenized securities markets.
SBI’s initiative reflects its long-established connections to the XRP ecosystem. The firm collaborated with Ripple in 2016 and has since facilitated XRP-powered remittance services, including cross-border transactions between Japan and the Philippines.
Chairman and CEO Yoshitaka Kitao has previously indicated that SBI holds approximately 9% of Ripple Labs, highlighting the company’s strategic alignment with the network.
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Established in 1999 as part of SoftBank and becoming independent in 2006, SBI has evolved into a significant financial group with over $8 billion in annual revenue.
BREAKING
SBI Ripple Asia just confirmed $XRP Ledger is being implemented by financial institutions worldwide!
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https://t.co/AuuTxuWu9U pic.twitter.com/TADxEPqiIkOver the years, the company has diversified beyond brokerage and banking into digital assets, stablecoins, and blockchain infrastructure.
SBI has also collaborated with Circle to launch the USDC stablecoin in Japan and signed a memorandum of understanding with Ripple to distribute its RLUSD stablecoin.
By combining bonds with crypto incentives, the firm is exploring whether traditional investors will embrace tokenized securities that provide familiar yields alongside blockchain-based settlement and rewards.
In August of the previous year, Ripple signed a memorandum of understanding with SBI Holdings and its crypto division SBI VC Trade to distribute its Ripple USD (RLUSD) stablecoin in Japan.
Ripple Secures UK Regulatory Approval Amid Global Expansion
This rollout occurs amid Ripple’s broader expansion into regulated markets. Earlier this month, the company obtained approval from the UK’s financial regulator for an Electronic Money Institution license and crypto asset registration.
Ripple has also achieved preliminary approval for a similar license in Luxembourg, positioning the firm to broaden its payment services across Europe.
In the United States, Ripple applied for a national banking license with the Office of the Comptroller of the Currency in July 2025, joining a growing list of crypto firms seeking deeper integration with the traditional financial system.
Recently, the company has also secured approvals in Dubai and Abu Dhabi and partnered with entities including Zand Bank and Mamo.
As reported, Ripple is also considering the introduction of staking to the XRP Ledger (XRPL), a move that would further integrate the decade-old blockchain into the rapidly growing decentralized finance sector.
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