[📢 Emergency Space Now Live] Following the largest hack in history, what should you know and prepare for to use cryptocurrencies safely? BCCC executives will discuss on X Spaces the risks associated with exchanges, wallets, and DeFi; key points users should be aware of; and the challenges the industry must address—backed by recent case studies.

The potential of blockchain extends far beyond cryptocurrencies. We believe one of its most significant future applications lies in its use for social infrastructure. This includes ETC and toll payments, autonomous driving, infrastructure maintenance, ports and logistics, and construction and real estate. In the field of land, infrastructure, and transportation, people, goods, money, and data are intricately interconnected. By applying blockchain technology here, we can enhance the reliability of transactions and data—and when combined with stablecoins, we have the potential to transform payment systems and the flow of capital. Blockchain is evolving from a “financial technology” into a “trust foundation supporting society.” At Xwin, we are focused on these real-world applications through the lens of “Digital Capital Management”—viewing AI, data, and digital assets as new forms of capital for enterprises and society.

This is a very interesting case. The U.S. hamburger chain Steak ’n Shake has sustained double-digit growth in existing store sales since adopting Bitcoin payments, with franchise locations achieving a 19% increase by Q3 2026. The key is not merely offering Bitcoin as a payment option. Instead, the Bitcoin received through payments is directly integrated into a strategic Bitcoin reserve. In other words: Payment → Customer Experience → Sales → Digital Asset → Financial Strategy All of these elements are seamlessly connected. This is precisely what I consider one form of “digital capital management.” Digital assets are not merely investment targets. They can be acquired through business operations, held strategically, incorporated into financial planning, and directly contribute to enterprise value. Moving forward, I believe that how companies integrate these digital assets into their operations—alongside AI—will become a critical factor in determining their competitive advantage.

This case aligns exceptionally well with “Digital Capital Management.” It’s particularly important to emphasize how data flows seamlessly into credit, then into finance, and finally into settlement. The real-world industry of used car exports is now giving rise to “on-chain trade finance.” SBI XDC Network APAC, Toppan, and Ginco have conducted a pilot in Osaka. What’s fascinating is that this goes far beyond mere blockchain utilization. Corporate verification → Trade transactions → Factoring → Payment collection These steps are digitally integrated, with the ultimate goal of tokenizing accounts receivable and enabling settlement via stablecoins. This represents a key direction of “Digital Capital Management” as advocated by Xwin. Companies are leveraging their transaction data and accounts receivable as “digital capital,” connecting them directly to fundraising and settlement. This isn’t just about using AI to transform operations—it’s about turning data into trust, digitizing assets, and fundamentally reshaping the flow of money. Digital Capital Management is expanding beyond finance into real-world industries such as logistics, trade, and manufacturing. This is an incredibly compelling development. On-chain Trade Finance Starting with Used Car Exports—SBI XDC, Toppan, and Ginco Conduct Pilot in Osaka https://t.co/QzHudAoU36 #nadanews

As AI-driven business efficiency continues to advance, what matters most is not merely reducing time, but rather how the saved time is reallocated to enhance productivity, elevate decision-making, and foster talent development. Time is a highly constrained managerial resource that cannot be accumulated or reproduced. Leaders must rethink not only their own time usage but also how time is utilized across the entire organization, focusing on generating higher value. At our company, we view time as a critical managerial asset and support business transformation through digital capital management—leveraging AI and digital technologies to drive operational change, enhance managerial capabilities, and boost organizational and human productivity. Through training and hands-on support, we enable the strategic use of time to achieve sustainable growth and create new value beyond mere efficiency gains.

Retail adoption of stablecoins in Japan is entering a new phase. Matsuya Ginza → Senbō → Lawson. This is no longer just about “accepting digital assets for payment”—it’s moving into a phase where stablecoins integrate with existing POS systems, customer touchpoints, and data. I believe the true value of stablecoins extends far beyond payments. Payment × Data × Loyalty × Finance × AI When these elements connect, value doesn’t disappear after the payment moment—it remains with businesses as capital in the form of data, customer relationships, and new financial services. This is also “digital capital management.” The future competitive edge won’t be about “whether to adopt stablecoins,” but about “what kind of corporate value you can create using them.” I believe Japanese retail has entered a fascinating phase as a real-world proving ground for this transformation.

I believe digital capital management is especially crucial for the retail industry. By integrating AI, we can expect: - Improved operational efficiency - Addressing labor shortages - Accurate demand and sales forecasting - Enhanced marketing strategies - Superior customer experiences However, simply adopting AI tools will not transform your business. The key is to view AI not merely as a “convenient tool,” but as a form of “capital” that generates enterprise value. By accumulating AI and data, and fundamentally reimagining business processes, you can drive gains in productivity, profitability, and customer value. This is what we call “digital capital management.” Given the growing severity of labor shortages in retail, transitioning to an AI-driven business model is not just beneficial—it’s essential.

Mitsubishi UFJ plans to launch "real-time settlement" for Japanese government bond transactions as early as fiscal year 2027. What’s noteworthy is not blockchain technology itself. By leveraging tokenized deposits and stablecoins, the time required for settlement can be significantly reduced, and the idle capital that financial institutions must hold can be minimized. In other words, this is about enhancing capital efficiency through digital assets. I advocate for “Digital Capital Management”—the strategic use of AI, data, digital assets, and stablecoins as new forms of corporate capital. Use AI to improve operational efficiency. Use data to elevate decision-making. Use digital assets to transform finance. Use stablecoins to revolutionize fund movements. Digital Capital Management is not merely digital transformation (DX). It is the digital redesign of “how a company’s money flows,” aimed at increasing capital efficiency and corporate value. This initiative by MUFG demonstrates that this trend has now reached the core of Japan’s financial system.

Digital Garage has launched commercial operations for its stablecoin payment infrastructure, "DG SPS." Initially supporting USDC, with plans to add JPYC in the future. Particularly noteworthy is its long-term vision of enabling "agent-driven commerce," where AI agents autonomously execute payments. This aligns precisely with the world I have advocated for under "Digital Capital Management." AI performs operations, makes decisions using data, and settles transactions in stablecoins. Until now, "AI" and "digital assets" have often been discussed separately. But moving forward, they will become integrated within the infrastructure of business operations. "AI works, and digital assets move money." Digital Capital Management is now beginning to take shape as a tangible social infrastructure.

Today, I contributed an article on “Digital Capital Management.” Through consulting and advising companies, I have come to realize that the core themes of management are undergoing significant change. Beyond AI adoption, the key question is how to leverage cryptocurrencies like Bitcoin and stablecoins within finance, payments, and new business initiatives. Digital assets are beginning to shift in role—from mere “investment targets” to strategic “management resources.” This is precisely why X-Win advocates for “Digital Capital Management.” We start with Mission, Vision, and Values, and integrate strategy, organization and culture, systems, talent, operations, and digital elements as one unified system. We treat AI, data, digital assets, and AI agents not merely as tools, but as “capital” that generates corporate value. I believe this is an essential theme for understanding future corporate competitiveness: moving from managing digital as something to “adopt,” to managing it as capital to “leverage.”