Japan Just Found a Way to Earn XRP Without Spending a Yen

Japan just made it easier to own XRP (XRP-USD) without spending a single yen. A new move by Aplus, part of the Shinsei Bank Group, now lets credit card users convert their reward points into cryptocurrencies, including XRP. That means everyday shopping can quietly build your crypto portfolio — no exchange, no fiat, no friction.

The program launched on July 8 in collaboration with SBI (SBHGF) VC Trade, the crypto exchange arm of SBI Holdings. It marks the first time a major Japanese credit card reward system has integrated digital assets as direct redemption options.

Earn XRP by Buying Groceries, Gas, or Gifts

Aplus cardholders earn one point for every 200 yen they spend. If you spend over 50,000 yen monthly, you get a 0.5% point bonus. These points used to be redeemable for cash or airline miles. Now, they can become XRP.

Every 2,100 Aplus points can be exchanged for over 2,000 yen worth of XRP, Bitcoin or Ethereum. That’s about $13 to $15 at current rates. For crypto-curious users who aren’t ready to invest directly, this offers an easy path into digital assets one shopping trip at a time.

XRP’s Inclusion Is No Coincidence

SBI has long backed XRP and Ripple. XRP was the first token listed when SBI VC Trade launched in 2018. Since then, SBI has added XRP lending, NFT support and deeper integration across its financial network.

Fast transactions and low fees make XRP ideal for cross-border payments. That makes it attractive not just for retail investors but also for institutions and banks, especially in Japan where digital finance adoption is accelerating under clear regulations.

You Can Own Crypto Without Ever Buying It

This is the real innovation. With the Aplus integration, users don’t need to open a trading account or wire funds to an exchange. They just redeem credit card points, the same way they would for a coffee machine.

The rewards feel small at first. But they accumulate over time and expose users to crypto’s upside, without risking real money. This turns everyday spending into a slow but steady path to crypto ownership.

SBI Is Building a Bridge Between Banks and Blockchain

By letting users convert reward points into XRP, SBI is doing more than offering perks. It is linking traditional banking, consumer finance and digital assets into one seamless system. The goal is to bring XRP into everyday financial life.

SBI’s executives have been vocal in supporting XRP as a driver of future wealth creation. This program reflects that vision and positions SBI as a trailblazer in Japan’s regulated crypto ecosystem.

A Global Trend Is Taking Shape

Japan isn’t alone. In the U.S., credit card providers like American Express (AXP), Mastercard (MA) and Visa (VISA) have already partnered with Coinbase (COIN), Gemini and others to offer crypto rewards. But Japan’s Aplus program is ahead of the curve because it runs under a clear regulatory framework and includes XRP directly.

Crypto from loyalty points introduces a new class of user; the everyday spender who might not trade but still wants exposure. This makes crypto feel less risky and more useful, pulling it into the mainstream.

But Make Sure You Read the Fine Print

As easy as it is to redeem, there are a few important caveats users should keep in mind. The amount of cryptocurrency received is relatively small, so while it’s a great entry point, it won’t make you rich on points alone. Taxes may still apply depending on when and how the crypto is used, and users are responsible for managing their digital assets, whether through SBI VC Trade or by moving them to a personal wallet.

There may also be limits on how frequently redemptions can occur or how much can be converted at one time. These restrictions could impact how appealing the program is over the long term. That’s why clear rules, transparency, and ongoing user education will be essential as more people begin to explore crypto rewards through everyday spending.

At the time of writing, XRP is sitting at $3.2118.