Japan’s Aplus credit card, operated by Shinsei Bank, has partnered with SBI VC Trade to launch a groundbreaking program allowing cardholders to convert reward points into cryptocurrencies such as XRP, Bitcoin, and Ethereum [1]. The initiative, which officially commenced on July 8, 2025, enables users to redeem 2,100 points—equivalent to 2,000 yen (roughly $13–$15)—for crypto via the SBI VC Trade platform. This marks the first time a major Japanese credit card rewards program offers direct point-to-crypto conversion, signaling SBI Holdings’ broader strategy to embed XRP into mainstream financial systems.

The program leverages a loyalty structure where cardholders earn 1 point for every 200 yen spent. Once accumulated, these…