服务商注册披露
yensend 在显示或测试服务商行前使用的注册证据和显示门槛。
本页范围
本页说明 yensend.jp 针对汇款服务商和银行路径的内部注册筛选标准。它不是法律意见、推荐或申请流程。
法律基准
当前筛选参考日本资金结算法第36条之2和第37条、金融厅资金移动业者注册列表、涉及银行路径时的金融厅银行许可列表，以及消费者厅关于比较广告和隐形营销的指南。yensend 本身不持有资金，也不执行汇款。
法律 self-review 状态
目前尚未取得外部律师的正式法律意见。yensend 现在使用基于官方来源的内部审查，包括 e-Gov《资金结算法》第2条第2项、第36条之2、第37条，金融厅资金转移业者和银行名单，以及消费者厅表示相关指南。该基础适用于当前仅提供信息的比较页面，但如果 yensend 后续处理 KYC、资金、个性化推荐、申请撮合、预填 provider 流程或受 affiliate 影响的排序，则不能替代法律意见。
显示门槛
服务商行应具备注册或银行许可证据、允许的数据获取路径、在显示服务商原生数据时的当前费用/汇率 fact，以及不受广告或推荐报酬影响的中立排序。汇款前仍以服务商最终页面为准。
显示 provider 的注册/牌照表
下表将 yensend.jp 可能显示的各 provider 与其面向日本的运营法人、资金转移业注册或银行牌照路径，以及显示前使用的 fact-registry 证据对应起来。
| Provider | 日本运营法人 | 注册或牌照路径 | 显示数据路径 | 证据 |
|---|---|---|---|---|
| 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 证据
以下条目在构建时从 scripts/fact_registry.json 读取，是公开披露页面当前使用的 Grade A 基准事实。
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.
复核频率
启用新服务商前，以及对仍在产品中显示的服务商，至少每季度复核金融厅注册信息和数据路径事实。