AvailableCorporate clients

Digital Asset Lending

SPD Japan provides a lending service (loan for consumption of crypto-assets) under which it borrows crypto-assets from corporate clients, pays the lending fee set out in each individual lending agreement, and, in accordance with that agreement, will return crypto-assets of the same kind and quantity. SPD Japan also issues and operates SPDP, a prepaid payment instrument for own business.

Request Materials / Consultation About Lending

This website does not accept applications for financial instruments, capital contributions, payments of funds, or transfers of crypto-assets.

About Us

Firm Overview

Company Overview

SPD Japan, headquartered in Tokyo, is the SPD Group's operating entity in Japan. Focusing primarily on the Japanese market, SPD Japan is providing and considering services related to digital finance.

View Company Overview

Date of notification as an issuer of prepaid payment instruments for own business under the Payment Services Act: 2025.12.03
Date on which listing was confirmed in the list of issuers of prepaid payment instruments (for own business) that have filed notification (「前払式支払手段（自家型）発行者届出一覧」), published by the Financial Services Agency of Japan (FSA): 2026.07.31
Value of SPDP (no expiration date; non-refundable in principle): 1 SPDP = JPY 1
Head office 7-7-7 Roppongi, Minato-ku, Tokyo, Japan: Tokyo

*As of July 31, 2026. The notification does not constitute licensing, approval, or endorsement by the FSA of SPD Japan or of its products or services.

Intro

Business
Overview

Business Summary

/ 01Available

Digital Asset LendingCrypto-asset lending

A lending service (loan for consumption of crypto-assets) under which SPD Japan borrows crypto-assets from corporate clients, pays the lending fee set out in each individual lending agreement, and, in accordance with that agreement, will return crypto-assets of the same kind and quantity. Lending fees, lending periods, and conditions for return are set out in each individual lending agreement. Details are explained individually after an NDA has been signed. SPD Japan's credit risk: Due to a deterioration in SPD Japan's financial condition, its insolvency, or similar events, the lent crypto-assets may not be returned and lending fees may not be paid. Due to the nature of a loan-for-consumption agreement, ownership of the borrowed crypto-assets transfers to SPD Japan, and they are not held separately from SPD Japan's own assets. If SPD Japan becomes insolvent, clients will be general (unsecured) creditors holding a claim for return.

About Lending

/ 02Available

SPDPPrepaid payment instrument for own business

A prepaid payment instrument for own business that can be used to pay for products and services provided by SPD Japan and others on the SPDJP platform. 1 SPDP = JPY 1. SPDP is not a deposit, an investment product, or a crypto-asset.

1 SPDP = JPY 1
No expiry
Non-refundable in principle
Statutory disclosures published

About SPDP

/ 03In preparation

JPY / USDVStablecoin-related services

Stablecoin-related services that SPD Japan is considering for use in business-to-business payments in Japan and overseas. They are currently in preparation and have not been launched. No launch date has been announced. This does not indicate that any issuance or circulation has taken place, that reserves are held, that an audit has been conducted, or that any license or approval has been obtained.

/ 04Future concept

Corporate API & Wallet

SPD Japan is considering this as a function that would connect payment capabilities with companies' existing systems in order to manage multiple currencies and balances, configure permissions, and review transaction histories. It is not currently provided. Future concepts may be changed or discontinued.

/ 05Product listings only

SPD Mall

SPD Mall is planned as a venue where products and services can be exchanged for SPDP in the future. It currently lists product information only. Online exchange and payment are not available.

View SPD Mall

This website does not accept applications for financial instruments, capital contributions, payments of funds, or transfers of crypto-assets. For details of the stablecoin-related services and the corporate API and wallet, see Business & Services.

Company Risk Controls

Risk
Controls

SPD Japan's Treasury and Risk Management

SPD Japan manages the assets it holds, including borrowed crypto-assets, for its own account. Its basic policy consists of limiting dependence on price direction, diversification of counterparties and execution venues, the setting of limits and stop criteria, wallet and private-key management, and daily reconciliation. These are SPD Japan's own internal policies and do not guarantee the return of crypto-assets or the payment of lending fees to clients. Nothing stated here represents past results or future outcomes.

01 / DiversifyDiversification

Diversification of counterparties and execution venues is part of SPD Japan's basic policy.

02 / LimitsLimits and Stop Criteria

Setting limits and stop criteria is part of SPD Japan's basic policy.

03 / ReconcileReconciliation

Wallet and private-key management and daily reconciliation are part of SPD Japan's basic policy.

View Treasury and Risk Management Policies

Compliance and Controls

Governance

Developing Legal Compliance and Internal Controls

In accordance with the nature of its business, SPD Japan is developing frameworks for identity verification, AML/CFT, access control, monitoring, record keeping, and other matters.

01
Identity Verification and Customer Attribute Checks
SPD Japan's policy is to establish the procedures necessary for identity verification, customer attribute checks (SPD Japan's internal criteria), and AML/CFT, in accordance with the nature of each service and applicable legal requirements.
02
Access Control
SPD Japan's policy is to limit authority over movements of funds and system operations to the personnel who need it for their duties.
03
Monitoring
SPD Japan is developing a monitoring framework to identify anomalies and take necessary action.
04
Record Keeping
SPD Japan is developing mechanisms to record the history of transactions and approvals so that it can be checked afterward.

What is described here are SPD Japan's internal policies. This does not indicate that any certification has been obtained, that audits have been performed, or that any third-party assurance has been given.

Regulatory Filing

Notification Regarding SPDP

On December 3, 2025, SPD Japan filed a notification as an issuer of prepaid payment instruments for own business under the Payment Services Act. SPD Japan has also confirmed its listing in the FSA's list of issuers of prepaid payment instruments (for own business) that have filed notification (as of July 31, 2026).

Confirmed

2025.12.03Notification date

Issuer name: SPD Japan K.K.
Corporate Number: 5010401145330
Address: 7-7-7 Roppongi, Minato-ku, Tokyo, Japan

What can be confirmed in relation to this notification

That SPD Japan has filed a notification as an issuer of prepaid payment instruments for own business
That the statutory disclosures and terms of use for SPDP have been published
That SPD Japan's statutory disclosures state the deposit of the security deposit for issuance as its method of safeguarding funds

What this notification does not mean

This notification does not constitute any license or registration relating to stablecoins, crypto-assets, funds transfer, or financial instruments. The notification does not constitute licensing, approval, or endorsement by the FSA of SPD Japan or of its products or services.

Disclosures under the Payment Services Act

News

2026.02.23Notification as an Issuer of Prepaid Payment Instruments (for Own Business) and Listing in Materials Published by the FSAPress Releases 2025.09.25Notice Regarding the Results of SPD Japan's 1st General Meeting of ShareholdersCompany

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Contact

Get in Touch

Request Materials / Consultation

SPD Japan accepts consultations regarding an overview of Digital Asset Lending (crypto-asset lending), NDAs and due diligence materials, and how to use SPDP, as well as consultations on collaboration concerning the clarification of requirements for business-to-business payments and system integration with financial institutions and payment service providers. These are areas under consideration and do not indicate services that SPD Japan currently provides.

Request Materials / Consultation Inquire about collaboration

The topics above are examples for discussing collaboration. They do not indicate any existing partnerships.