SBI Shinsei Bank is piloting a program that rewards ordinary and time-deposit customers with cryptocurrency exchange vouchers tied to their interest payments. According to a Nikkei report, vouchers will be issued equal to 20% of the interest earned, in addition to the standard yen-denominated interest, and can be exchanged for Bitcoin (BTC), Ether (ETH) or XRP within a defined redemption window. Access to the vouchers requires opening an account with SBI’s crypto exchange arm, SBI VC Trade. The initiative marks a shift from conventional savings toward a crypto-onramp within a regulated banking framework.