Talk to us about integrating

Pay in yen. Settle in stablecoin.

Toward a new way to pay, not tied to payment processors.

  • BuyersJust make a bank transfer. No wallet, no crypto knowledge
  • MerchantsNo credit screening. Instant stablecoin settlement*5
Talk to us about integrating View demo (Japanese)

Fees are under consideration; a single flat rate for all merchants is planned*1. Early-access consultations are open now. Planned launch: August 2026*2. Subject to agreement to the terms of service, payout-destination registration, and checks by external services such as JPYC EX.

Without their usual payment method, 55% or more of buyers walk away without purchasing(SB Payment Service 2024*3). So is a non-card payment path just a niche? Look at the numbers.

≈¥92T

Annual volume of Pay-easy, Japan's network for paying directly from a bank account (FY2025, ≈170 million payments, 24 consecutive years of growth — about ¥92 trillion). Paying directly from a bank account is already social infrastructure

Japan Multi-Payment NetworkPromotion Council, published April 2026*3
≈1 in 4

Share of online shoppers in Japan who pay by bank or post-office transfer (or similar methods). Bank transfer is still a working, current payment method in Japanese ecommerce

Ministry of Internal Affairs and Communications, "Information and Communications in Japan"*3
15–22%

Share of people in Japan who do not have a credit card (range across surveys; higher among younger people). Card-only checkout leaves some buyers out of reach

JCB and Cross Marketing surveys*3

01For buyers

  1. Order

    Choose "Pay by bank transfer with STBLpay" on the shop's checkout, and approve the payment with a passkey (Face/fingerprint)

  2. Transfer

    Make a bank transfer of the exact purchase amount to the account shown on the JPYC EX screen (identity verification at JPYC EX is required only the first time)

  3. Issuance

    Once the transfer arrives, JPYC EX issues JPYC into the buyer's own balance*6. Ango-ya is never in between

  4. Settlement

    The payment goes through exactly as the buyer approved it, the JPYC reaches the merchant, and the payment is complete

Funds never pass through Ango-ya. The buyer's JPYC balance belongs to the buyer. Ango-ya only provides the SDK and the screens — it holds none of the customer's funds, private keys, or information needed to move money (non-custodial). Every payment is executed with the buyer's own approval (a passkey signature).

Normally, you just transfer the same amount as your purchase each time you shop. Purchases under ¥3,000 fall below the minimum JPYC issuance amount (¥3,000), so you pay by issuing ¥3,000 or more and the remainder stays as JPYC balance for next time. If transferring every time feels like a chore, issue a larger amount once and keep it as balance — then pay with no transfer, just a passkey (Face/fingerprint), in seconds.

02For merchants

STBLpay is a payment method where you receive your sales in stablecoin, without being bound to any single payment processor. Settlement completes on the blockchain, and Ango-ya never holds your funds*5.

  • Integrate with no credit screening

    No card-company credit screening is involved. All you need is to agree to the terms of service and register where you will receive your sales.*5

  • Settled the moment you're paid

    Sales land the moment the payment completes. No payout cycles to wait through, and no security deposits tying up your cash the way conventional payments can.*5

  • No chargeback burden

    Payments are finalized on the blockchain, so no chargeback burden arises.*5

A good fit for merchants like these: industries where card screening or card rules make payments hard to adopt, overseas ecommerce that wants a payment method for Japan, JPYC-denominated shops and communities, and more*5. Feel free to ask whether it's a fit for your industry →

03How it differs from conventional payments

Here is how STBLpay differs from conventional payment models such as cards and payment service providers. The conventional side shows general patterns; actual terms vary by industry and contract.*4

Differences between conventional payments and STBLpay
Item Conventional (cards, PSPs) STBLpay
Credit screening Yes (industry or card rules can block approval) None
Payout of sales Days or more after the closing date; security deposits can tie up cash Settled at the moment of payment
Chargebacks Yes (merchants may bear the cost) None (finalized on the blockchain)
Card numbers Stored (card-number theft causes ¥47.54 billion*7 in losses a year) Not stored
Fees From a few percent (varies by industry) Under consideration (one flat rate for all merchants; nothing added to buyers)*1

04Integration

Just embed the SDK into your store's checkout flow. Our target for a standard integration is one day*2. An integration prompt for coding AIs is also planned (published once the spec is finalized). Start with the SDK embed, agreement to the terms of service, and payout-destination registration — trying it on just part of your catalog is fine.

  1. Consultation

    We hear about your current payment setup and challenges, and work out the integration path together

  2. Embed

    Embed the SDK. The planned coding-AI integration prompt aims to minimize engineering effort

  3. Test payments

    Verify the buyer experience and settlement in a test environment. A small start with part of your catalog works too

  4. Launch

    Release as an early adopter, timed with the planned August 2026 launch*2

Early-access merchants receive priority integration support. A referral reward program is also planned for merchants who refer others.

05Frequently asked questions

How much are the initial costs and fees?

Rates are under consideration; we plan a single flat rate for all merchants (no individual discounts). Nothing extra is charged to the buyer. Official pricing will be announced at launch.*1

We failed a credit-card payment screening. Can we still integrate?

Card companies set their own screening criteria, and depending on the industry or their rules, an application may not be approved. STBLpay is a payment method that does not go through card-company credit screening; provided you agree to the terms of service and register a payout destination, integration is open for discussion.

Can buyers really handle this?

The My Number card, the ID used for identity verification, has a holding rate above 80% in Japan (as of the end of January 2026*8). Identity verification happens when you first open a JPYC EX account, and it is done with JPYC EX — not with STBLpay or the merchant. After that, the only steps are transferring to the displayed bank account and approving with a passkey (Face/fingerprint). Issue a larger amount once and keep it as balance, and payments take seconds with just a passkey — no transfer.

Is JPYC trustworthy?

JPYC is an "electronic payment instrument" under Japan's Payment Services Act. It is issued by JPYC Inc., a registered funds transfer service provider (Kanto Local Finance Bureau No. 00099), and tracks the Japanese yen at 1 JPYC = ¥1. Cumulative issuance exceeds ¥3 billion (as of the end of May 2026*8).

Do buyers need a crypto wallet?

On the standard payment screens, we aim for an experience that never asks buyers to manage private keys or seed phrases. No experience or knowledge of crypto assets or wallets is needed. Only on first use, buyers open an account and verify their identity at JPYC EX (the external service that issues and redeems JPYC).

What checks are required to integrate?

We do not run merchant pre-screening (KYB). All that integration requires is agreement to the terms of service and registration of where you will receive your sales.

Are there chargebacks?

Because this is not a card payment, the card-originated chargeback mechanism itself does not exist. Payments are finalized based on the buyer's own approval (a passkey signature). When a refund is needed, the merchant refunds the buyer directly (for example, returning the received JPYC or making a bank transfer). Because Ango-ya never holds funds, it cannot cancel payments or process refunds on anyone's behalf.*5

Is deferred or installment payment available?

No. This is a bank-transfer-based payment, not credit.

Could we suddenly be cut off one day?

We do not envision suspending lawful transactions uniformly or arbitrarily based on industry.*5

Can received JPYC be converted to Japanese yen?

Yes. Through JPYC EX, JPYC's official issuance and redemption platform, JPYC can be redeemed for Japanese yen at 1 JPYC = ¥1. Redemption is done from the merchant's own JPYC EX account.*5

What is the minimum amount?

New JPYC issuance is ¥3,000 or more per issuance. For purchases under ¥3,000, you pay by issuing ¥3,000 or more, and the remainder stays as JPYC balance for your next purchase. If you already have a balance, you can pay straight from it (the minimum payment is expected to be around a few hundred yen).*6

Is there a sales dashboard?

We would like to provide a simple sales-check screen even in the first release. Merchant-facing screens, including a sales dashboard, will be expanded step by step, and priorities such as accounting integrations will be decided based on merchant feedback.

Won't the details of payments be visible to anyone on the blockchain?

As a future development item, we plan to implement a privacy feature that keeps payment details on the blockchain from being visible to third parties. The timing and method are under consideration and will be announced once decided.

Can buyers living outside Japan use this?

The initial release targets buyers residing in Japan. Due to how identity verification works, buyers residing overseas are out of scope for the time being (integration by overseas businesses is open for discussion).

06First, tell us your story

We're here to listen to your payment challenges and answer any questions*1. Early-access consultations are open ahead of the planned August 2026 launch*2. This is a conversation, not a pass/fail screening.

We use the information you provide to respond to your inquiry and to let you know when the service launches. Except as required by law, we will not share it with third parties without your consent. A privacy policy will be published before launch.

Notes

  1. Payment fees and initial costs are under consideration. We plan a single flat rate for all merchants (no individual discounts) and do not intend to add anything on the buyer's side. Official terms will be finalized at launch.
  2. The August 2026 launch is a plan, and "one day for a standard integration" is a target. Both may change depending on the status of external-service checks and the scope of implementation.
  3. Statistics sources: SB Payment Service, survey on payment methods (FY2024; based on the original wording "55% or more") / Japan Multi-Payment Network Promotion Council publications (April 2025; Pay-easy FY2025 results, including taxes and other public-sector payments) / Ministry of Internal Affairs and Communications, "Information and Communications in Japan" (Communications Usage Trend Survey; payment methods for online purchases, multiple answers) / JCB, "Comprehensive Survey on Cashless Payments" (FY2025) and a Cross Marketing survey (2026).
  4. Rates of other companies and payment methods are reference values based on their public materials. They vary by industry and contract and are subject to change. Check each company's official information for the latest terms.
  5. Statements about chargebacks describe structural characteristics of the payment mechanism. "Anyone can receive payments" refers to the policy of not suspending lawful transactions uniformly or arbitrarily based on industry, and assumes agreement to the terms of service, payout-destination registration, and satisfaction of legal requirements. Final wording and conditions — including suspension conditions and redemption paths — will be finalized after legal review.
  6. Identity verification, account opening, and transfer confirmation take place on the screens of JPYC EX (an external service that issues and exchanges JPYC). Operational conditions — including whether re-verification is required, the minimum issuance amount (currently ¥3,000), and the minimum payment amount — may change according to the external service's specifications.
  7. Credit-card-number theft damage in 2025 as published by the Japan Consumer Credit Association.
  8. The My Number card holding rate is based on card issuance figures published by the Ministry of Internal Affairs and Communications (media tallies; as of the end of January 2026). Cumulative JPYC issuance is the value as of the end of May 2026, based on JPYC Inc. press releases (published October 2025 and June 2026).