Japan is offering families in Tokyo 1 million yen ($7,640) per child to depart to a more rural location, in a scheme aimed at halting depopulation of the countryside.  It’s the latest in a series of ill-advised incentives to stop a relentless influx to the capital, which has seen its population grow more than 16% in the last two decades despite a decline in numbers nationwide.
With an existing flat 1 million yen payment per family for moving, a couple with two children would from April 1 be eligible to receive 3 million yen in support if they leave, so long as they fulfill certain conditions. But don’t expect a mad rush to the exit: The government aims for just 10,000 people to take part in the program per year by 2027, or 0.03% of the metropolitan area’s population of 37 million.

For decades, every Japanese administration has talked of revitalizing the countryside — indeed, there may be few subjects that attract so much attention for so little gain. In recent years, in a cart-before-the-horse form of logic, many have posited that it’s a necessity in order to revitalize the economy. Japan has had a minister in charge of reviving rural areas for the better part of a decade, while one of the signature policies of current Prime Minister Fumio Kishida is the “Digital Garden City,” an overwrought scheme aimed at using technologies such as drones and self-driving buses to overcome the disadvantages of living in the Japanese inaka.

But it will take more than autonomous gadgets and one-time payouts to encourage more than a handful of people in the Tokyo area to relocate. No one knows better the attraction of the city than the politicians and bureaucrats of Nagatacho, Tokyo’s center of power, who themselves promote such relocation programs but nonetheless concentrate there — having effectively rejected the the idea of building a new and artificially soulless capital like South Korea’s Sejong and the under-construction Nusantara in Indonesia. 1

As an increasing number of people are beginning to realize, through a combination of design and happy circumstance, that Japan created something incredible in Tokyo — a bustling, walkable metropolis with a world-leading public transport system, relatively unencumbered by the entrenched problems of crime, pollution, homelessness and inequality that plague so many other giant cities. It’s a towering center of culture where even city-center property is still relatively affordable (by the standards of comparable cosmopolitan capitals), built with the types of combined-purpose micro-neighborhoods that urban planners can only dream of creating. 

The advent of post-pandemic remote work might make it easier than before to live in a rural area — and did result in the first decline in Tokyo’s population in a quarter-century. But that phenomenon can’t capture the best parts of the Big City — a place where, as the 20th century anthropologist Margaret Mead said, “Any day in any year, there may be a fresh encounter with a new talent, a keen mind or a gifted specialist.” The opportunities presented by living so close to many potential life-changing encounters is, consciously or not, one of the reasons people flock to places like Tokyo, even with downsides such as cramped living space. Schooling and superior job prospects attract parents and those just entering the workforce. 

Paying people to leave this network of opportunities makes no more sense than the “Furusato Sosei” (Hometown Revitalization) project of former Prime Minister Noboru Takeshita, who gave 100 million yen ($765,000) each to more than 3,000 municipalities of the late 1980s to build boondoggles such as the UFO Museum in Iino, Fukushima, which then had a population of just over 7,000.

As the overall population drops, more move away from the countryside

It’s certainly problematic that so much of Japan’s political, economic and cultural influence is concentrated in Tokyo. The number of firms headquartered elsewhere is dwindling, while the risk of an earthquake that could devastate the capital and paralyze the country’s nerve center is ever-present. 

What Japan needs is not just more people outside Tokyo — it needs more Tokyos. Instead of having 1,300 city, town and village administrative districts all competing for the more mobile workers who can take advantage of this scheme, Japan should instead dust off a long-dormant proposal to consolidate municipalities — and create larger, more attractive population centers with the advantages of scale of Tokyo, but with their own regional differences that would draw in people. 

In the 2000s, the administration of Junichiro Koizumi proposed combining the current 47 prefectures — a system that dates back around 150 years ago to the Meiji era, Japan’s first great opening toward western-style modernization — into around 10 much larger states, each with its own capital and greater, devolved powers. 

The idea was that the decentralization would eliminate waste between the more than 1,700 local governments (exemplified by prestige projects such as the proliferation around the countryside of tiny, loss-making airports) and enable state administrations to build their regions into more attractive locales. It would also concentrate power greater into second-tier cities such as Hiroshima, Sendai or Fukuoka, which would become not just prefectural capitals but regional hubs for tens of millions of people. 

Like labor market reform or a revision of the constitution, the doshusei system, as the idea is known, has been left on the shelf for years, stymied by opposition from the most rural areas, already the worst hit by the country’s aging. The often-cited drawbacks are a likely drop in local government services and even greater population decline as people who wouldn’t perhaps make the move to Tokyo migrate to state capitals.

But that decline is happening anyway, and local services, already too people-intensive, will inevitably follow. Kishida has called for 2023 to be the year when he takes measures to raise the country’s low birth rate “to another dimension.” One-time payments, such as Tokyo’s latest, separate scheme to pay $38 per child a month until the age of 18, might help a family’s accounts but won’t change the trend. 
The July launch links credit-card spending and rewards to Kimi memberships and AI computing benefits, although some claims about conversational banking functions go beyond what the companies’ official materials currently confirm.
Chinese artificial-intelligence company Moonshot AI has launched a Kimi-branded credit card with Agricultural Bank of China and American Express, bringing AI subscriptions and computing-related rewards directly into a mainstream banking product.

The card became available in mainland China on July 10, 2026, after opening for reservations in June.

Kimi and some reports have described it as the world’s first “AI-native” credit card, although that designation is a marketing description rather than an independently established industry category.

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The most significant verified feature is not that artificial intelligence replaces the bank’s conventional credit-card infrastructure.

Instead, Kimi services are built into the card’s membership and rewards proposition.

Kimi’s own explanation says an AI-native credit card embeds Kimi membership, credits and related benefits into card opening and points-based spending, while also offering AI-oriented activities such as prompt courses and sharing sessions.

Agricultural Bank of China remains responsible for the credit-card account and associated banking functions.

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The card is offered in standard and premium platinum versions tied to different Kimi membership levels.

Published product information says the standard card corresponds to Kimi’s Andante membership tier and carries a main-card annual fee of 580 yuan, with the first year waived and subsequent annual fees waived after ten qualifying transactions.

The premium platinum version corresponds to the higher Allegretto tier and carries an annual fee of 880 yuan, which can be offset with 200,000 qualifying points.

Cardholders can obtain Kimi-related benefits including memberships and access to AI resources such as Agent and Kimi Code usage, alongside opportunities connected to new Kimi models.

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Agricultural Bank of China is also using introductory incentives to attract customers.

During a campaign running from July 10 through September 30, first-time applicants for the premium platinum card who spend at least 5,888 yuan within the qualifying period can receive a Kimi-branded NFC accessory and two monthly Allegretto memberships.

A separate promotion for eligible new Agricultural Bank of China credit-card customers offers Kimi-related rewards after three purchases of at least 18 yuan each.

The card is currently available only in mainland China.

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Some descriptions of the product have gone considerably further, portraying the card as a conversational financial assistant capable of examining transaction histories, answering natural-language questions about spending, planning repayments, blocking purchases when budgets are exceeded and identifying suspicious transactions before authorization.

Those functions have appeared in secondary coverage of the launch.

However, the official Kimi and Agricultural Bank of China materials reviewed for the product do not clearly establish that these capabilities are currently integrated into the live credit-card account.

The verified launch is therefore better understood as a credit card deeply tied to Kimi’s AI ecosystem and digital benefits rather than, on the available evidence, an autonomous AI system managing a customer’s credit account.

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The distinction matters because it changes the privacy implications.

A card that merely awards AI subscriptions or computing credits creates a different data relationship from one that gives a large language model direct access to a customer’s full transaction history, credit profile and repayment behavior.

Official campaign terms show that some personal information is shared where necessary to deliver Kimi memberships and promotional rewards, but they do not establish that Moonshot AI routinely receives complete card transaction histories for conversational analysis.

Claims about AI-driven lending decisions, personalized credit scoring or continuous surveillance of cardholder spending therefore remain unconfirmed for this product.

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The launch nevertheless reflects a broader shift in China’s financial sector.

Several Chinese banks have recently introduced cards or banking products that exchange ordinary spending activity for access to AI models, cloud-computing resources or tokens.

China Merchants Bank, Ping An Bank, Shanghai Pudong Development Bank and MYbank have all been associated with similar initiatives involving technology companies or cloud providers.

The emerging competition is aimed particularly at developers, technology workers and heavy users of generative AI, turning computing resources into a new category of credit-card reward.

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For Moonshot AI, the card gives Kimi another distribution channel beyond conventional AI subscriptions.

For Agricultural Bank of China, it offers a way to attract technology-oriented customers in a Chinese credit-card market that has been contracting.

American Express contributes the card-network component to the three-party product.

The experiment could become more consequential if future versions connect conversational AI securely to banking data and account controls.

For now, however, the clearest innovation is more modest and more concrete: spending on a conventional bank-issued credit card can generate benefits that consumers use inside an AI platform.

The next test will be whether that model appeals beyond developers and intensive AI users strongly enough to become a lasting category of financial product rather than a specialized co-branded rewards card.
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