SBI Shinsei Bank is preparing a deposit-linked crypto reward service that would give customers vouchers exchangeable for Bitcoin, Ethereum or XRP, adding a digital-asset layer to ordinary yen savings products in Japan. The structure keeps regular yen interest in place, then adds crypto vouchers worth the equivalent of 20% of the interest payment. Customers would use the voucher through SBI VC Trade, meaning the reward does not arrive as BTC, ETH or XRP directly inside the bank account. It becomes a redeemable crypto benefit through the group’s licensed crypto exchange.