Japan’s SBI Shinsei Bank Offers XRP Rewards as Forecasts Target $1.80 in 2026

Key Takeaways

• SBI Shinsei Bank will reward eligible depositors with BTC, ETH, and XRP in addition to traditional interest payments
• The program brings XRP into a mainstream banking product at a time when financial institutions are increasingly exploring digital asset incentives
• CoinCodex forecasts suggest XRP could reach as high as $1.80 in 2026, up from around $1.15 currently

SBI Shinsei Bank is preparing to offer Bitcoin (BTC), Ethereum (ETH), and XRP rewards to depositors. The bank, which holds about ¥2.7 trillion in deposits, will provide eligible customers with crypto rewards worth 20% of their interest payments. While crypto reward programs are common among exchanges and fintech apps, they are still relatively uncommon among established banks.

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Japan’s SBI Shinsei Bank Brings XRP Into Traditional Banking

SBI Shinsei Bank will launch a three-month pilot program on June 10 that rewards eligible depositors with BTC, ETH, or XRP along with regular interest payments. Customers will receive crypto vouchers worth 20% of their interest earnings. This can later be redeemed through SBI VC Trade, the crypto exchange operated by SBI Group.

The program covers both ordinary savings accounts and fixed-term deposits. According to local reports, a customer with 300,000 yen (about $1,870) in deposits would receive roughly 500 yen worth of crypto rewards. Meanwhile, larger depositors could earn up to 20,000 yen.

The initiative is part of SBI’s broader push into digital assets. The group has already built partnerships around blockchain infrastructure, stablecoins, and crypto trading. This makes XRP a natural addition given SBI’s long-standing relationship with Ripple.

If the pilot attracts enough interest, SBI Shinsei Bank is expected to make the program a permanent offering later this fall. This gives customers another way to gain exposure to digital assets without buying them directly.

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XRP Price Prediction Sees Potential Move Toward $1.80

The banking announcement comes as XRP trades around $1.15. The altcoin recorded a 1.29% rise over the past 24 hours. This comes after a rather rough week where XRP dipped by nearly 9%.

CoinCodex forecasts show XRP reaching as high as $1.80 in November 2026. This would represent a gain of more than 50% from current levels. Most monthly projections in the forecast range between $1.30 and $1.80 during the second half of the year.

It should be noted that most forecasts are speculative by nature. But the $1.80 target is currently the highest level in CoinCodex’s outlook for XRP this year.

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