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Aplus, in collaboration with SBI VC Trade, has introduced XRP, Bitcoin, and
as new redemption options in its credit card rewards program. This development signifies a major advancement in the adoption of digital assets within Japan's financial sector, as traditional financial services increasingly embrace cryptocurrencies.This partnership allows Aplus cardholders to redeem their reward points for cryptocurrencies for the first time. Customers can now exchange 2,100 Aplus Points for ¥2,000 worth of XRP, BTC, or ETH, providing a straightforward entry point into crypto investing for everyday consumers. The program's mechanics remain unchanged, with customers earning 1 Aplus Point per ¥200 spent and a 0.5% bonus for spending over ¥50,000 in a given month. Points remain valid for two years, offering users ample time to choose crypto as their reward.
SBI VC Trade, a digital asset exchange under SBI Holdings, is powering this integration. SBI Holdings, one of Japan’s largest and most crypto-forward
, has long supported XRP and Ripple technologies. The partnership further strengthens the alignment between SBI and the Ripple ecosystem, as SBI has expanded its XRP-related services by introducing XRP lending and launching NFT projects on the XRP Ledger (XRPL).XRP’s inclusion in the Aplus rewards program reflects its deep integration within Japan’s financial ecosystem. Japan offers a clear and supportive legal framework for cryptocurrencies, allowing XRP to thrive in both retail and institutional settings. With strong support from SBI Holdings and increasing utility across consumer finance products, XRP stands out as one of Japan’s most widely accepted digital assets.
This move by Aplus and SBI VC Trade may signal the future of financial services. By integrating crypto rewards into conventional credit systems, they are bridging the gap between traditional finance and digital assets, allowing customers to gain crypto exposure through routine spending. If successful, this model could redefine how reward systems operate, turning loyalty points into crypto investments and accelerating the adoption of blockchain technologies in daily life.
XRP’s role in this initiative reinforces its position as a key player in Japan’s evolving digital finance landscape. This development could inspire similar integrations worldwide, further driving the adoption of cryptocurrencies in mainstream financial services. The growing acceptance of digital assets in Japan underscores the potential for cryptocurrencies to become an integral part of everyday financial transactions, offering users more options and flexibility.

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