Provider registration disclosure
The registry evidence and display gate yensend uses before showing or testing provider rows.
What this page covers
This page explains yensend.jp’s internal registration screen for remittance providers and bank routes. It is not legal advice, not a recommendation, and not an application flow.
Legal baseline
The current screen uses Japan’s Payment Services Act Articles 36-2 and 37, the FSA funds transfer service provider registry, FSA bank-license lists where a bank route is involved, and Consumer Affairs Agency guidance on comparative advertising and stealth marketing. yensend itself does not handle funds or execute remittances.
Legal self-review status
No external lawyer opinion has been obtained yet. yensend currently relies on an internal official-source review using e-Gov Payment Services Act Articles 2(2), 36-2, and 37, the FSA provider and bank lists, and Consumer Affairs Agency guidance. This is suitable for the current information-only comparison surface, but it is not a substitute for legal advice if yensend later handles KYC, funds, personalized recommendations, application mediation, prefilled provider flows, or affiliate-influenced ranking.
Display gate
A provider row should have registration or bank-license evidence, a permitted data-acquisition path, current fee/rate facts where provider-native data is displayed, and neutral ranking that is not influenced by advertising or referral status. The provider final screen remains authoritative before any transfer.
Displayed provider registration table
The table below maps each provider that may appear on yensend.jp to its Japan-serving legal entity, registration or bank-license path, and the fact-registry evidence used before display.
| Provider | Japan legal entity | Registration or license path | Display data path | Evidence |
|---|---|---|---|---|
| Wise | ワイズ・ペイメンツ・ジャパン株式会社 / Wise Payments Japan K.K. | Type I + Type II funds transfer service provider, 関東財務局長 第00040号 | Wise public API and provider final screen | F-082Grade AVerified 2026-05-06 |
| SBI Remit | SBIレミット株式会社 / SBI Remit Co., Ltd. | Type I + Type II funds transfer service provider, 関東財務局長 第00008号 | SBI official pages and supported comparison feeds | F-083Grade AVerified 2026-10-08 |
| Instarem | NIUM Japan株式会社 / Nium Japan Kabushiki Kaisha | Type I + Type II funds transfer service provider, 関東財務局長 第00073号 | Wise public comparison API and provider final screen | F-084Grade AVerified 2026-05-06 |
| SMBC | 株式会社三井住友銀行 / Sumitomo Mitsui Banking Corporation | Bank listed in FSA bank-license list; Banking Act Article 4 path | Bank official pages and supported comparison feeds | F-088Grade AVerified 2026-05-06 |
| PayPal | PayPal Pte. Ltd. | Type II funds transfer service provider, 関東財務局長 第00026号 | Wise public comparison API and PayPal legal pages | F-085Grade AVerified 2026-05-06 |
| MUFG Bank | 株式会社三菱UFJ銀行 / MUFG Bank, Ltd. | Bank listed in FSA bank-license list; Banking Act Article 4 path | Bank official pages and supported comparison feeds | F-089Grade AVerified 2026-05-06 |
| Rakuten Bank | 楽天銀行株式会社 / Rakuten Bank, Ltd. | Bank listed in FSA bank-license list; Banking Act Article 4 path | Bank official pages and supported comparison feeds | F-090Grade AVerified 2026-05-06 |
| Smiles Mobile Remittance | 株式会社デジタルワレット / Digital Wallet Corporation | Type II funds transfer service provider, 関東財務局長 第00044号 | Smiles official pages and permitted parser path | F-086Grade AVerified 2026-05-06 |
| DCOM Money Express | 株式会社ディコミュニケーションズ / D. Communications, Inc. | Type II funds transfer service provider, 北陸財務局長 第00001号 | DCOM official pages and permitted parser path | F-087Grade AVerified 2026-05-06 |
Fact-registry evidence
The entries below are loaded from scripts/fact_registry.json at build time. They are the current Grade A baseline facts used for the public disclosure page.
F-075
FSA current funds transfer service provider registry was retrieved 2026-10-08. The XLSX/PDF is current as of 2026-08-31 (令和8年8月31日現在) and lists 85 registered operators, with 第一種 / 第二種 / 第三種 type columns. Use this as the current Grade A baseline for provider registration checks until the next FSA registry update is retrieved. (Earlier baseline: 2026-03-31 list, 82 operators, retrieved 2026-05-06.)
F-010
資金移動業 3-tier system (verified against primary text 2026-10-02). Definitions are in 資金決済法 第36条の2 (caption 定義): Type 1 (第一種) = 資金移動業 other than Types 2 and 3, no statutory per-transfer cap, and requires 業務実施計画の認可 under 第40条の2; Type 2 (第二種) = only transfers ≤ 百万円に相当する額 (第36条の2第2項 + 施行令第12条の2第1項); Type 3 (第三種) = only transfers ≤ 五万円に相当する額 (第36条の2第3項 + 施行令第12条の2第2項). All types operate under 第37条 registration. CORRECTION: earlier text marked Type 1 as '認可' instead of registration — Type 1 is registered under 第37条 AND needs the 第40条の2 plan approval.
F-081
Official-law self-review baseline for yensend as an information-only remittance comparison service, retrieved 2026-05-06: use e-Gov Payment Services Act article 36-2 and article 37 plus the FSA funds transfer provider registry for provider-license screening; use Consumer Affairs Agency comparative-advertising guidance and stealth-marketing guidance for timestamped neutral ranking, ad/affiliate disclosure, and avoidance of unsupported superiority claims; use e-Gov Consumer Contract Act as a consumer-facing disclaimer and misleading-solicitation boundary. This baseline supports documented internal review for current non-custodial comparison pages, but it is not a substitute for legal advice if yensend later handles KYC, funds, personalized recommendations, provider application mediation, prefilled deep links, or affiliate-influenced ranking.
F-082
Wise display-provider registration evidence: Wise is operated in Japan by ワイズ・ペイメンツ・ジャパン株式会社 / Wise Payments Japan K.K. Wise official corporate information states business content as Type 1 and Type 2 Funds Transfer Service Provider and registration number 関東財務局長 第00040号. The FSA funds transfer registry current as of 2026-03-31 lists ワイズ・ペイメンツ・ジャパン株式会社 as 関東財務局長 第00040号, registered 2015-08-18, corporate number 4011001100453, Type I and Type II funds transfer service provider.
F-083
SBI Remit display-provider registration evidence: the FSA funds transfer registry current as of 2026-08-31 lists ＳＢＩレミット株式会社 as 関東財務局長 第00008号, registered 2010-12-07, corporate number 9010401089532, Type I and Type II funds transfer service provider (Type I was not marked in the 2026-03-31 list). SBI Remit's Japanese corporate profile states 「第一種・第二種資金移動業（関東財務局長 第00008号）」; its English profile still says Type II. SCOPE LIMIT: SBI Remit's retail remittance page still caps one remittance at ¥1,000,000 「法令に基づき」; its announced Type I product (レミットPrime) is for corporate customers and not yet launched.
F-084
Instarem display-provider registration evidence: Instarem official Japan pages state Instarem is operated in Japan by Nium Japan Kabushiki Kaisha / NIUM Japan株式会社 and registered with the Kanto Local Finance Bureau as a Type 1 and Type 2 or Type 2 Funds Transfer Services Provider, registration number 00073. The FSA funds transfer registry current as of 2026-03-31 lists ＮＩＵＭ Ｊａｐａｎ株式会社 as 関東財務局長 第00073号, registered 2019-12-23, corporate number 2010001190192, Type I and Type II funds transfer service provider.
F-088
SMBC display-provider bank-license evidence: FSA bank license list current as of 2026-04-01 lists 株式会社三井住友銀行, corporate number 5010001008813, under city banks. SMBC official company profile identifies the same legal entity as 株式会社三井住友銀行 / Sumitomo Mitsui Banking Corporation. Bank routes are outside the funds-transfer-service-provider registry path and are screened through the FSA bank-license list and Banking Act Article 4 instead.
F-085
PayPal display-provider registration evidence: PayPal Japan legal pages state PayPal Pte. Ltd. is a Singapore company registered with Japan's Financial Services Agency as a funds transfer business operator, registration number 関東財務局長 第00026号, and a third-party issuer of prepaid payment instruments, registration number 関東財務局長 第00705号. The FSA funds transfer registry current as of 2026-03-31 lists ＰａｙＰａｌ Ｐｔｅ． Ｌｔｄ． as 関東財務局長 第00026号, registered 2012-08-01, corporate number 3700150006491, Type II funds transfer service provider.
F-089
MUFG Bank display-provider bank-license evidence: FSA bank license list current as of 2026-04-01 lists 株式会社三菱ＵＦＪ銀行, corporate number 5010001008846, under city banks. MUFG official company profile identifies the same legal entity as 株式会社三菱ＵＦＪ銀行 / MUFG Bank, Ltd. Bank routes are outside the funds-transfer-service-provider registry path and are screened through the FSA bank-license list and Banking Act Article 4 instead.
F-090
Rakuten Bank display-provider bank-license evidence: FSA bank license list current as of 2026-04-01 lists 楽天銀行株式会社, corporate number 5010701022527, under other banks. Rakuten Bank official company profile identifies the same legal entity as 楽天銀行株式会社 / Rakuten Bank, Ltd. and business content as electronic-media banking. Bank routes are outside the funds-transfer-service-provider registry path and are screened through the FSA bank-license list and Banking Act Article 4 instead.
F-086
Smiles Mobile Remittance display-provider registration evidence: Smiles official pages state Smiles Mobile Remittance is provided by Digital Wallet Corporation / 株式会社デジタルワレット and licensed by the Kanto Finance Bureau as a non-bank money service business with license number 00044. The FSA funds transfer registry current as of 2026-03-31 lists 株式会社デジタルワレット as 関東財務局長 第00044号, registered 2016-05-16, corporate number 8010001164001, Type II funds transfer service provider.
F-087
DCOM Money Express display-provider registration evidence: DCOM official company page states the service is operated by 株式会社ディコミュニケーションズ / D. Communications, Inc. and registered by the Hokuriku Local Finance Bureau as a funds transfer service provider, registration number 北陸財務局長 第00001号, approved/registered 2012-06-15. The FSA funds transfer registry current as of 2026-03-31 lists 株式会社ディコミュニケーションズ as 北陸財務局長 第00001号, registered 2012-06-15, corporate number 3210001014413, Type II funds transfer service provider.
Review cadence
FSA registry and provider data-path facts should be rechecked before enabling new providers and at least quarterly for providers that remain visible in the product.