Talk to us about integrating

Pay in yen. Settle in stablecoin.

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

  • BuyersApprove with a passkey and pay by bank transfer in yen. No wallet, no crypto knowledge
  • MerchantsNo credit screening to get started. Funds arrive in stablecoin the moment the payment is made*5
Talk to us about integrating View demo (Japanese)

STBLpay is a payment service where buyers pay by Japanese-yen bank transfer with a passkey, and merchants receive their sales in JPYC, a Japanese-yen stablecoin. Fees are under consideration; a single flat rate for all merchants is planned*1. STBLpay is under development*2. Subject to agreement to the terms of use and the requirements of 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

VIDEOSee how it works

Suteburu-chan explains; Suteburu-kun asks. This episode is for shops outside Japan that sell to customers in Japan. Japanese audio with English subtitles. Screens shown are from a service under development.

Suteburu-chan: We made a how-to video. This one has English subtitles.

Suteburu-kun: Am I in it?

Suteburu-chan: Bottom left. The whole time.

How to use STBL Pay

Episode 8Overseas Shops: Bank Transfers from Customers in Japan

Why bank transfer matters to shoppers in Japan, and how paying by bank transfer works with STBLpay.

Length 1:19 · Japanese audio, English subtitles

All episodes (Japanese only) →

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

    If your balance is not enough, decide the amount to issue and make a bank transfer to the account shown on the JPYC EX screen (¥3,000 to ¥1,000,000 per issuance; identity verification at JPYC EX is required only the first time). If your balance is enough, no transfer is needed

  3. Issuance

    Once JPYC EX confirms the transfer, it issues JPYC into the buyer's own balance*6. Ango-ya is never in between. From transfer to reflection takes about 5 to 10 minutes as a guide

  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. What Ango-ya provides is the payment screens and the system. It does not hold 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).

When your JPYC balance is enough, you can pay with just a passkey (Face/fingerprint), with no transfer. When it is not, decide the amount to issue and make a bank transfer. Each issuance is ¥3,000 to ¥1,000,000, and the remainder stays as a balance you can use for your next payment. At a shop's register, you can scan a QR code and pay from your balance (for regular customers; add to your balance from My Page).

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

    You can integrate without relying on card companies' credit screening. Open a merchant account on the web by yourself: agree to the terms of use and create a passkey.*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: sole proprietors such as creators selling digital works, freelance hairdressers and nail artists, industries where card screening or card rules make payments hard to adopt, overseas online shops that want a payment method for Japan, 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

Your site does three things: place a button, guide customers to the payment screen, and receive the result. Our target for a standard integration is one day*2. The merchant documentation and the API specification (OpenAPI) are published. Give them to an AI coding agent and it can help you write the integration code. A Sandbox for trying the integration is also available (as of November 2026). For those who find building a site hard, a plugin for WordPress (WooCommerce) is also in preparation. You can try it on just part of your catalog.

  1. Open an account

    On the web, by yourself. Agree to the terms of use and create a passkey, and the place where you receive your sales is created too

  2. Embed

    Place a button, guide customers to the payment screen, and receive the result. The published specification and documentation keep development effort small

  3. Test payments

    Check the customer's flow and the arrival of funds in the Sandbox (test environment). You can also start small with part of your catalog

  4. Start accepting payments

    Publish the button and start accepting payments. With QR codes, you can start by putting one up in your shop, with no integration into a site

If you have any questions, such as how to use it or how to integrate it, talk to Ango-ya. A referral reward program is also planned for those 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 rely on a card company's credit screening. Open a merchant account on the web by yourself: agree to the terms of use and create a passkey. If you are unsure about your industry, feel free to ask us.

Can buyers really handle this?

The My Number card, the ID used for identity verification, has a holding rate of 84.5% in Japan (Ministry of Internal Affairs and Communications, as of the end of September 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. From the second time on, you approve with a passkey (Face/fingerprint) and make a bank transfer. If your JPYC balance is enough, no transfer is needed either.

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 has surpassed ¥10 billion (as of September 18, 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?

There is no merchant pre-screening (KYB) or identity verification (KYC). Open a merchant account on the web by yourself: agree to the terms of use and create a passkey, and the place where you receive your sales is created too. In the terms of use, you will be asked to declare that your business is not illegal under Japanese law.

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). Subject to what the law requires, whether to offer refunds, and on what conditions, is up to the merchant; please tell buyers in advance. Refunds are made by the merchant to the buyer (for example, returning the received JPYC or making a bank transfer). Even if you refund, the payment fee is not returned. 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 (from launch). Through JPYC EX, JPYC's official issuance and redemption platform, JPYC can be withdrawn to Japanese yen at 1 JPYC = ¥1. Withdrawal requires the merchant's own JPYC EX account (an individual residing in Japan or a Japanese corporation), and the amount is ¥3,000 to ¥1,000,000 per withdrawal. Withdrawals incur no Ango-ya fee and no JPYC EX redemption fee (as of September 2026).*5

What is the minimum amount?

JPYC is issued in amounts of ¥3,000 to ¥1,000,000 per issuance. For purchases under ¥3,000, you pay by issuing ¥3,000 or more, and the remainder stays as a balance for your next payment. 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.

How is received JPYC treated for accounting?

It depends on the nature of the transaction and your accounting policy. Please check with a professional such as your tax accountant.

What happens to my passkey if I replace my smartphone?

A passkey synced through iCloud Keychain, Google Password Manager, or similar can be used on your new device too. If you lose a passkey that was not synced, Ango-ya cannot restore it. Before you part with your device, check that your passkey is synced.

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.

06First, tell us your story

If you have any questions, such as how to use it or how to integrate it, talk to Ango-ya. We are also here to listen to your payment challenges. This is not a pass/fail decision based on screening.

Suteburu-kun: Is someone coming?

Suteburu-chan: Someone who'd like to talk.

Suteburu-kun: Is lukewarm tea okay?

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. STBLpay is under development. Screens, features, and conditions may change depending on the status of checks on integration with external services and the scope of implementation. "One day for a standard integration" is a target.
  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 2026; 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. Our policy is not to suspend lawful transactions uniformly or arbitrarily based on industry, but this assumes agreement to the terms of use and satisfaction of legal requirements. Official conditions, including the conditions for suspension, will be set out in the terms of use.
  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 issuance amount (currently ¥3,000 to ¥1,000,000 per issuance), 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 the Ministry of Internal Affairs and Communications' published figures on My Number card holdings (「マイナンバーカードの保有状況について」, as of the end of September 2026), expressed as a share of the resident-register population as of January 1, 2026. Cumulative JPYC issuance is the value as of September 18, 2026, based on a JPYC Inc. press release (announced September 18, 2026; cumulative issuance on JPYC EX).