Submission Track: Payments Solutions / RWA (Stablecoin Use Case) Target Audience: Japanese Seniors (75+) & Younger Generations Core Technology: XRPL (XRP Ledger)
Japan faces a dual crisis: a super-aging society with deep social isolation, and a digital divide that prevents seniors from accessing the benefits of the Web3 economy. Project Yunomi is not just a video chat app; it is a compliant, white-label middleware that enables secure, invisible, and regulated value transfer between generations.
We solve the "Grandma Problem" of crypto: How can an 80-year-old pay for companionship and care without managing private keys or fearing theft?
Our Solution: We leverage the XRP Ledger (XRPL) to create "Persimmons" (YXT)—a JPY-pegged stablecoin or loyalty point that sits on top of a sophisticated, authorized financial infrastructure. To the user, it is as simple as handing over a fruit. To the regulator, it is a fully tracked, compliant, and recoverable asset.
The Market Gap:
Japan’s seniors hold the majority of the nation’s household assets ($14 trillion+), yet they are structurally locked out of the digital economy due to complexity and security fears. Current solutions are either "too crypto" (unsafe for seniors) or "too banking" (slow, high fees).
The Yunomi Model:
Why Japan?
We utilize specific, institutional-grade features of the XRPL to ensure safety and compliance, distinguishing Yunomi from generic crypto wallets.