"Nudge" Starts Accepting "JPYC" for Credit Card Balance Repayments from October
Nudge will begin accepting repayments in the stablecoin "JPYC" issued by JPYC for its next-generation credit card "Nudge Card" starting October 2025 (approximately one month after JPYC's business registration completion). This will enable "stablecoin shopping" at approximately 150 million VISA member stores worldwide.
Users can pay their credit card bill by sending JPYC to a Nudge-specified wallet address. At service launch, Nudge will limit eligible users and begin with Polygon support, leveraging its experience with Nudge NFTs.
Background of "JPYC Payment" Support
The stablecoin market is rapidly expanding globally, with total issuance already exceeding $250 billion (approximately ¥42 trillion), and on-chain transaction volumes are reported to surpass Visa and Mastercard. In Japan, JPYC obtained registration as a "Funds Transfer Service Provider" (Registration Number: Kanto Local Finance Bureau Director No. 00099) under Article 37 of the Payment Services Act in August 2025, with the first domestic yen-denominated stablecoin issuance scheduled for this fall.
While stablecoins are expected to be widely utilized by financial institutions and businesses, "expansion of available stores" and "development of familiar interfaces" are essential for widespread use in daily life.
At service launch, while stores do not need merchant contracts with JPYC to accept JPYC payments, store managers require certain specialized knowledge, such as opening and managing unhosted wallets. Large stores and chain stores may also need POS system modifications. In this context, credit cards with extensive merchant networks can serve as a powerful means to promote stablecoin utilization.
Given this background, Nudge will leverage its flexible payment system infrastructure to quickly begin accepting JPYC for card payment repayments. This realizes Japan's first "system for paying credit card bills with stablecoins," enabling JPYC payments for any purchases at VISA member stores, whether convenience stores, restaurants, online subscription services, or utility bills, both domestically and internationally.
Service Overview
While Japanese credit cards typically use a monthly automatic withdrawal system from bank accounts for purchases made the previous month, Nudge Card, as a "Certified Comprehensive Credit Purchase Intermediary", leverages its microservice infrastructure to provide diverse repayment methods.
Due to these technical and service design features, Nudge will implement "JPYC payments" in approximately one month after JPYC's business registration completion.
In addition to monthly automatic bank account withdrawals, Nudge Card offers "repay anytime, any amount," allowing repayments at any timing and amount. To the existing "Seven Bank ATM payments" and "bank transfers," Nudge now adds "stablecoin payments" as a new repayment method, enabling card payment settlements with JPYC.
For stablecoin payments, users can repay by sending JPYC to a Nudge-specified wallet address. At service launch, Nudge will limit eligible users and begin with Polygon support, leveraging its experience with Nudge NFTs.
Nudge will progressively expand eligible users and supported chains based on user needs. In the future, Nudge will actively consider supporting other planned stablecoins and tokenized deposits, delivering diverse options to users.
Norbert Gehrke
