服務商註冊揭露
yensend 在顯示或測試服務商列前使用的註冊證據和顯示門檻。
本頁範圍
本頁說明 yensend.jp 針對匯款服務商與銀行路線的內部註冊篩選標準。它不是法律意見、推薦或申請流程。
法律基準
目前篩選參考日本資金決算法第36條之2與第37條、金融廳資金移動業者註冊清單、涉及銀行路線時的金融廳銀行許可清單，以及消費者廳關於比較廣告與隱形行銷的指南。yensend 本身不持有資金，也不執行匯款。
法律 self-review 狀態
目前尚未取得外部律師的正式法律意見。yensend 目前採用基於官方來源的內部審查，包括 e-Gov《資金決算法》第2條第2項、第36條之2、第37條，金融廳資金移動業者與銀行名單，以及消費者廳表示相關指引。此基礎適用於目前僅提供資訊的比較頁面，但若 yensend 之後處理 KYC、資金、個人化推薦、申請媒介、預填 provider 流程，或受 affiliate 影響的排序，則不能替代法律意見。
顯示門檻
服務商列應具備註冊或銀行許可證據、允許的資料取得路徑、在顯示服務商原生資料時的當前費用/匯率 fact，以及不受廣告或推薦報酬影響的中立排序。匯款前仍以服務商最終畫面為準。
顯示 provider 的註冊/牌照表
下表將 yensend.jp 可能顯示的各 provider 與其面向日本的營運法人、資金移動業註冊或銀行牌照路徑，以及顯示前使用的 fact-registry 證據對應起來。
| Provider | 日本營運法人 | 註冊或牌照路徑 | 顯示資料路徑 | 證據 |
|---|---|---|---|---|
| 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 II funds transfer service provider, 関東財務局長 第00008号 | SBI official pages and supported comparison feeds | F-083Grade AVerified 2026-05-06 |
| 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 證據
以下項目於建置時自 scripts/fact_registry.json 讀取，是公開揭露頁面目前使用的 Grade A 基準事實。
F-075
FSA current funds transfer service provider registry was retrieved 2026-05-06. The PDF is current as of 2026-03-31 (令和8年3月31日現在) and lists 82 registered operators. Use this as the current Grade A baseline for provider registration checks until the next FSA registry update is retrieved.
F-010
資金移動業 3-tier system: Type 1 (unlimited, 認可), Type 2 (≤¥1M, 登録), Type 3 (≤¥50K, 登録)
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: SBI Remit official corporate profile identifies SBI Remit Co., Ltd. / SBIレミット株式会社 as an international remittance service and Type II Funds Transfer Service Provider, registration number Kanto Local Finance Bureau 00008. The FSA funds transfer registry current as of 2026-03-31 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 II funds transfer service provider.
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.
複核頻率
啟用新服務商前，以及對仍在產品中顯示的服務商，至少每季複核金融廳註冊資訊與資料路徑事實。