- Japan plans a 24/7 blockchain finance system using stablecoins and automated digital services.
- The move aims to cut reliance on foreign payment networks and overseas stablecoin platforms.
- Regulators are fast-tracking stablecoin rules as blockchain finance moves toward mainstream adoption.
Japan’s ruling Liberal Democratic Party (LDP) approved a new proposal to modernize the country’s financial system using blockchain technology and automated digital services. The plan, called the “Next-generation AI & Onchain Finance Concept,” focuses on building a financial network that operates around the clock.
Under the proposal, digital systems could eventually handle payments, lending, trade settlements, and other financial transactions with limited human involvement. The move also reflects Japan’s growing effort to reduce dependence on foreign payment platforms and overseas stablecoin networks.
The proposal came from an LDP project team led by Seiji Kihara and received approval from the party’s Policy Research Council on Tuesday. The framework outlines a future system where transactions, logistics, and financing move faster through blockchain-based infrastructure.
After the approval, Kihara wrote on X, “It is truly a ‘concept,’ and from here on, we will build it up piece by piece.” He added, “The important thing is the follow-up from now on, and we will continue to work on it.”
Japan Targets AI-Driven Financial Automation
The proposal outlines a future financial system that runs continuously through blockchain networks and automated digital tools. Under the plan, digital systems could eventually handle shopping, payments, financing, and trade transactions with little human involvement.
Meanwhile, blockchain technology would help verify transactions instantly and reduce delays across financial activity.
The proposal used everyday examples to explain how the system could work in practice. Smart refrigerators could automatically order groceries when supplies run low and complete payments instantly. In another example, digital shopping agents could buy limited-edition products overseas, arrange shipping, and process customs paperwork without requiring manual approval.
The framework also focused heavily on improving business payments and financing. Manufacturers could receive payments immediately through yen-backed stablecoins once deliveries are verified. Additionally, companies could use tokenized assets and blockchain-based records to secure financing faster and improve day-to-day cash flow.
Stablecoins and Tokenization Take Center Stage
Japan’s proposal placed stablecoins and tokenized bank deposits at the center of its future financial strategy. Policymakers backed the development of bank-issued stablecoins, blockchain-based securities settlement, and tokenized money transfers between financial institutions.
The broader goal involves reducing Japan’s dependence on foreign-controlled digital payment networks and overseas stablecoin systems such as USDT and USDC.
The plan also arrived as Japanese regulators increased their focus on stablecoin oversight. Earlier this year, Japan’s Financial Services Agency opened consultations on new reserve rules tied to revised payment laws. The discussions formed part of a broader effort to clarify how stablecoin issuers manage customer funds and operate within the country’s financial system.
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