If you have ever wanted to earn crypto while making a safe, traditional investment, a major company in Japan is making that a reality.

Japanese financial giant SBI Holdings just announced a clever new way to save money. They are offering a $64.5 million (10 billion yen) bond that pays you in regular cash interest and free XRP crypto tokens.

This is a big step because it blends a reliable, old-school investment with modern digital money.

The Basic Details

These bonds are designed for everyday people in Japan. Here is a quick look at how they work:

* Name of Bond: SBI START Bonds

* Total Money Raised: 10 Billion Yen (about $64.5 million)

* How Long It Lasts: 3 years (matures in March 2029)

* Cash Interest Rate: Expected to be between 1.85% and 2.45% per year

* Minimum Investment: 100,000 Yen (about $650)

Getting Paid in XRP

The coolest part of this bond is the free crypto. SBI is using a familiar investment to help regular folks get comfortable with digital assets.

* The Math: For every 100,000 yen (about $650) you invest, you receive 200 yen worth of XRP.

* The Payouts: You get your first batch of XRP right after you buy the bond. After that, you get more XRP on the yearly interest payment dates until 2029.

* The Catch: To actually claim the crypto, you must open and verify an account with SBI's crypto trading app (SBI VC Trade) by May 2026.

Built on New Technology

Instead of relying on heavy paperwork and traditional middlemen to track who owns the bonds, this entire system is digital.

* The Network: The bonds are created and tracked on a special financial blockchain network called "ibet for Fin."

* Trading Later: After the initial bonds are sold in March 2026, people will be able to buy and sell them on a new digital marketplace called the Osaka Digital Exchange (ODX).

Why is SBI Doing This?

SBI has been a huge supporter of Ripple (the company linked to XRP) for years. By launching this bond, they accomplish two major goals.

First, they encourage a lot of new customers to download their crypto app to get their rewards. Second, they show the world that XRP can be used in safe, traditional finance, making it look much more reliable to everyday investors.