Japan Unlocks Free XRP: Earn Crypto Without Spending a Yen
Aplus Credit Card Now Lets You Turn Points into XRP and Other Cryptos—No Yen Needed
A Breakthrough in Credit Card Rewards
On July 8, 2025, Aplus—a subsidiary of Japan’s Shinsei Bank Group—joined forces with SBI VC Trade, the crypto exchange arm of SBI Holdings, to launch a groundbreaking feature in its rewards program. For the first time, credit cardholders in Japan can convert Aplus Points into popular cryptocurrencies like XRP, Bitcoin (BTC), and Ethereum (ETH).
This marks a significant first in Japan’s financial sector, positioning Aplus as the country’s pioneer in enabling direct crypto redemptions through a mainstream loyalty program.
Previously, users could redeem Aplus Points for cash, products, or airline miles. Now, the inclusion of crypto expands the possibilities—bridging everyday spending with digital asset ownership.
For every 2,100 Aplus Points, cardholders can claim crypto equivalent to over 2,000 Japanese yen, making it a seamless and cash-free path into the world of crypto. This development reflects SBI’s broader mission to foster wider crypto adoption—especially of XRP—through user-friendly services.
How the Aplus Point System Works
The Aplus program rewards users for their everyday purchases. Here’s how it breaks down:
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1 Point for every 200 yen spent
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A 0.5% bonus if monthly spending exceeds 50,000 yen
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Points remain valid for two years, giving users plenty of time to redeem
Thanks to the new crypto feature, users can exchange 2,100 points for a crypto value of over 2,000 yen (roughly $13–$15, depending on exchange rates). This option covers three supported tokens: XRP, BTC, and ETH.
This is a game-changer for anyone curious about digital currencies but hesitant to invest real money or navigate crypto exchanges.
💡 Fun fact: American Express, Visa, and Mastercard have all explored crypto-based rewards via partnerships with platforms like Coinbase and BlockFi—proving that digital finance is gaining ground in traditional sectors.
Why XRP Was Chosen as a Featured Option
The inclusion of XRP is no coincidence—it aligns with SBI Holdings' long-standing partnership with Ripple, the company behind XRP.
SBI VC Trade actually launched with XRP as its first supported asset back in 2018. Since then, SBI has broadened its XRP offerings, venturing into lending and even NFT projects on the XRP Ledger (XRPL).
XRP is known for its speed and low transaction costs, making it ideal for remittances and international payments—especially when compared to Bitcoin or Ethereum. Additionally, Japan’s regulatory environment, shaped by the Financial Services Agency (FSA), supports safe crypto innovation. This makes it easier for traditional institutions like Aplus and SBI to offer digital assets through regulated channels.
💡 Did you know? Even crypto earned through rewards can be taxable, depending on local regulations. Be sure to check how your jurisdiction handles crypto incentives!
Making Crypto Simple and Accessible
This initiative makes it incredibly easy for users to enter the crypto space—no technical know-how or upfront investment needed.
Just by using an Aplus credit card for regular spending, you can earn points and redeem them for XRP, BTC, or ETH. While the conversion rate (2,000 yen for 2,100 points) might not seem huge, it creates a clear and practical bridge between day-to-day transactions and digital asset ownership.
It’s a perfect entry point for newcomers to crypto or for those looking to make smarter use of their loyalty rewards.
Strategic Move for SBI: Expanding Crypto into Consumer Finance
For SBI, this move isn’t just about points—it’s about building a more integrated financial ecosystem.
By tying together banking services, credit cards, and a crypto exchange, SBI is reinforcing its leadership in digital finance. It’s a strong signal to the market that crypto—especially XRP—is no longer a niche asset, but part of the mainstream financial toolkit.
Executives at SBI have frequently cited XRP’s role in future wealth-building. This partnership reflects their commitment to driving mass adoption of blockchain technologies through real-world use cases.
💡 Turning loyalty points into crypto is more than a perk—it gamifies finance, making everyday spending more exciting while introducing users to digital innovation.
Global Trends: Merging Finance with Digital Assets
Japan’s Aplus-SBI collaboration is part of a larger international trend. Credit card companies around the world—like Amex in the U.S.—are starting to allow point-to-crypto conversions.
What sets Japan apart is its clear, enforceable crypto regulations, which give financial institutions the confidence to explore such initiatives at scale. Japan is emerging as a leader in regulated crypto innovation, and the Aplus program could serve as a model for other markets.
This isn’t about speculation—it’s about user education and accessibility. By tying crypto into an existing reward system, it gives average consumers a low-risk way to explore digital assets and understand their value.
What to Know Before Redeeming Your Points for Crypto
Before jumping in, consider a few key factors:
| Factor | Details |
|---|---|
| Redemption Value | 2,000 yen (~$13–$15) per 2,100 points—modest, but meaningful for beginners |
| Tax Considerations | Crypto earned via rewards may be taxable upon sale—check local regulations |
| Asset Management | Users must manage crypto through SBI VC Trade or transfer to a wallet |
| Redemption Limits | Unclear if there's a monthly limit or cap—more details may be announced |
| Need for Clarity | User-friendly instructions and transparency will be key to program success |
Conclusion: A Gateway to Crypto for the Everyday User
Aplus’s move to offer crypto redemptions—especially XRP—is more than a gimmick. It’s a strategic innovation that combines fintech, loyalty programs, and digital assets into a user-centric experience.
By turning points into cryptocurrency, Aplus and SBI are opening the doors for mass crypto adoption in Japan—without the friction or fear of traditional investing.
Whether you're a curious newcomer or a crypto-savvy user looking to stack digital assets with everyday spending, this initiative is worth watching. It's not just about earning XRP—it’s about redefining how we engage with money in the digital age.
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