Toyota Finance opens the subscription for the second tranche of tokenized bonds today: ¥1 billion (about $6.8 million), a 1-year term with an annual interest rate of 1.72%. The minimum subscription is ¥100,000 (about $676). Subscriptions are made directly through the Toyota Wallet mobile app—no securities account is required. The underlying blockchain infrastructure is provided by BOOSTRY, a Japanese security token company. Subscriptions close on September 2. Allocation will be determined by a lottery. The bonds are scheduled to be issued on October 27, and they mature on October 27, 2027.
In 2019, Santander Bank issued a $20 million bond on Ethereum, and in 2021, the European Investment Bank issued a €100 million digital bond—both were important events, but they were almost invisible to ordinary investors, serving primarily as proof-of-concepts for institutional players. What Toyota is trying to fill today is exactly this gap: using a mobile app so that everyday people waiting for coffee can also buy tokenized bonds.
The structural significance of this is: blockchain enables Toyota Finance to directly track ownership, distribute interest, and manage bondholder records, with no need to go through the traditional custody chain used by securities firms—this is the technical foundation for self-issuance that bypasses securities companies.
If this model succeeds, the logic can be replicated: automakers can raise funds via mobility apps, retailers can connect debt products through loyalty programs, and any brand with a large base of digital consumers can build a direct pipeline to investors.
In short: tokenized bonds are no longer just an institutional game. Today, Toyota has lowered the entry threshold to $676—this is a step for the RWA track to move from concept to real consumers.
$BTC
$USDC
#丰田金融面向散户推出代币化债券
In 2019, Santander Bank issued a $20 million bond on Ethereum, and in 2021, the European Investment Bank issued a €100 million digital bond—both were important events, but they were almost invisible to ordinary investors, serving primarily as proof-of-concepts for institutional players. What Toyota is trying to fill today is exactly this gap: using a mobile app so that everyday people waiting for coffee can also buy tokenized bonds.
The structural significance of this is: blockchain enables Toyota Finance to directly track ownership, distribute interest, and manage bondholder records, with no need to go through the traditional custody chain used by securities firms—this is the technical foundation for self-issuance that bypasses securities companies.
If this model succeeds, the logic can be replicated: automakers can raise funds via mobility apps, retailers can connect debt products through loyalty programs, and any brand with a large base of digital consumers can build a direct pipeline to investors.
In short: tokenized bonds are no longer just an institutional game. Today, Toyota has lowered the entry threshold to $676—this is a step for the RWA track to move from concept to real consumers.
$BTC
$USDC
#丰田金融面向散户推出代币化债券