Fast Accounting, GMO Aozora Net Bank, IIJ, and DeCurret DCP have conducted a proof-of-concept (PoC) for automating corporate invoice payments.
―Integrating Peppol invoice data with digital currency DCJPY, an initiative aiming for zero miss and zero erroneous transfers―
Fast Accounting Co., Ltd. (Headquarters: Minato-ku, Tokyo; President and CEO: Keitaro Mori; hereinafter “Fast Accounting”), GMO Aozora Net Bank, Ltd. (Headquarters: Shibuya-ku, Tokyo; Chairman of the Board: Taketo Kaneko; President and Representative Director: Satoshi Mizumachi; hereinafter “GMO Aozora Net Bank”), Internet Initiative Japan Inc. (Headquarters: Chiyoda-ku, Tokyo; President and Representative Director: Yasuhiko Tanawaki, hereinafter “IIJ”), and D-Curret DCP Inc. (Headquarters: Chiyoda-ku, Tokyo; Representative Director, Chairman and President Executive Officer CEO: Satoshi Murabayashi, hereinafter “DeCurret DCP”) have conducted a proof-of-concept (PoC) linking billing data with the digital currency DCJPY. This initiative aims to automate “billing to payment” processes between businesses.
【PoC Details】
In this proof-of-concept experiment, we verified digital transformation enabling the handling of the following tasks with approximately one-quarter of the personnel through Japan's first*3 initiative combining Fast Accounting's billing efficiency services—“Invoice Processing Accelerator,” “Peppol Access Point Service,” and “Remota”—with DeCurret DCP's digital currency DCJPY*1 and commercial transaction tokens*2.
[Streamlined Operations]
Seller Companies: Invoice data creation and verification, payment confirmation and reconciliation
Buyer Companies: Receipt and verification of invoice data, payment data creation and approval, reconciliation
１．Background
Business-to-business invoicing and payment processes still involve many inefficient tasks, forcing companies to allocate significant human resources to these operations.
・ Issuance and mailing of paper invoices
・ Receiving and converting invoices in formats specific to each company
・ Transferring information to the payment system (manual entry)
・ Manual reconciliation of billing and payment details, discrepancy investigation, etc.
To address these challenges, we conducted a proof-of-concept experiment aiming to co-create a new B2B payment platform that seamlessly automates processes from billing to settlement. This was achieved by combining Fast Accounting's suite of billing efficiency solutions with DCJPY from DeCurret DCP.
２．Overview of Shared Services and Verification
The joint service was verified by combining the following services 1) and 2).
1) Fast Accounting's Billing Efficiency Solution Suite
① Invoice Processing Accelerator
Converts invoice data into a format compliant with the international “Peppol” standard.
② Peppol Access Point Service
Transmits Peppol-compliant invoice data between companies.
③ Remota
Receives invoice data from the Peppol Access Point Service and automatically registers payment information into the business transaction token
2) DeCurret DCP's DCJPY Network*4
① The seller company issues a “commercial transaction token” (hereinafter referred to as the token) containing payment information linked from Remota, and the buyer company executes automatic payments using the token.
② After payment is completed, reconciliation and aggregation are performed in accounting software based on information issued via reconciliation NFTs*5 within the DCJPY network.
Through this service integration, the following benefits have been confirmed:
・Improved operational efficiency by establishing a unified invoicing workflow regardless of invoice format
・Avoided missed payments through automatic linkage of settlement information from the invoicing system to the payment system
・Streamlined reconciliation and root cause analysis by generating payment reconciliation data and sharing it with each company
DeCurret DCP and Fast Accounting will contribute to the digital transformation of back-office operations for companies facing challenges in their billing and payment processes through this joint service.
Scope verified in this proof-of-concept experiment
・The automatic transfer of billing data (Peppol) to the business transaction token is established.
・Payments can be executed in DCJPY using the token as the starting point.
・Ability to organize post-implementation workflow (staff operation points/exception handling)
3.Each participant and their assigned role
The participating companies and their roles in this verification are as follows. Relevant companies participated as verification collaborators.
(Titles omitted)
４．Future Outlook
Based on the results of this verification
1) Organizing functional issues and formulating resolution strategies,
2) We will simultaneously advance market analysis, develop joint sales strategies, and seek collaborative partners. We plan to gradually expand the scope of verification toward the commercial release in December 2026.
*1Digital Currency DCJPY: A yen-denominated tokenized deposit offered by DeCurret DCP. It leverages blockchain and other technologies to digitally enhance and expand the functionality of bank deposits.
*2 Commercial Transaction Token: A token recording the details of commercial transactions and payment information based on Peppol.
*3 Japan's first: As Japan's first initiative using DCJPY and commercial transaction tokens.
*4 DCJPY Network: DCJPY, the platform for DeCurret DCP that handles the issuance and transfer of commercial transaction tokens.
*5 Reconciliation NFT: A Peppol-based settlement information NFT recorded on the blockchain
■Invoice Chain Subcommittee
The “Commercial Transaction Token” used in this verification embodies an idea conceived within the Invoice Chain Subcommittee of the Digital Currency Forum, for which DeCurret DCP serves as the secretariat. The Invoice Chain Subcommittee is a cross-industry group comprising 27 companies and organizations from various sectors, including software vendors, retailers, manufacturers, and wholesalers. It was established in May 2024 to discuss and explore the development of an industry-standard system utilizing blockchain technology, as well as the potential for DCJPY to address challenges related to unified standards for siloed accounting and payment services and issues surrounding business-to-business settlements.
【As-Is and To-Be States via the Invoice Chain*6】
*6 Invoice Chain: A platform enabling seamless business-to-business transactions by connecting systems from order placement to accounting, as being explored by the Invoice Chain Subcommittee.
■Company profiles
Company name：Fast Accounting Co., Ltd.
URL ：https://www.fastaccounting.jp/
Location ：Shiba Park Building A, 3rd Floor 2-4-1 Shibakoen, Minato-ku, Tokyo
Representative ：Keita Mori President and CEO
Business：Accounting AI Business (AI solutions specialized in the accounting field)
Company name：GMO Aozora Net Bank, Ltd.
URL：https://gmo-aozora.com/
Location ：shibuya Fuclas, 1-2-3 Dogenzaka, Shibuya-ku, Tokyo
Representative：Takehiko Kaneko, Chairman and Representative Director; Satoru Mizumachi, President and Representative Director
Business：Banking
Company name：Internet Initiative Japan Inc.
URL：https://www.iij.ad.jp/
Location ：Iidabashi Grand Bloom 2-10-2 Fujimi, Chiyoda-ku, Tokyo 102-0071, JAPAN
Representative：Representative Director, President and Executive Officer Yasuhiko Taniwaki
Business：Internet access services, WAN services, and network-related services; network system construction, operation, and maintenance; development and sales of communication equipment
Company name：DeCurret DCP Inc.
URL：https://www.decurret-dcp.com
Location ：2-10-2 Fujimi, Chiyoda-ward, Tokyo, JAPAN
Representative：Representative Director, Chairman and President, CEO Satoshi Murabayashi
Business：Digital currency business, Electronic Payment Services Operators - Director of the Kanto Finance Bureau No. 92