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  "domain": "banking",
  "title": "Japan BaaS operating models",
  "entry_type": "wiki_entry",
  "frontmatter": {
    "title": "Japan BaaS operating models",
    "aliases": [
      "Japan BaaS operating models",
      "BaaS operating models Japan",
      "日本 BaaS operating models",
      "banking/baas-rakuten-jre-bank"
    ],
    "domain": "banking",
    "type": null,
    "created": "2026-05-22",
    "last_updated": "2026-07-29",
    "last_tended": "2026-07-29",
    "review_by": "2026-10-27",
    "confidence": "likely",
    "tags": [
      "banking",
      "BaaS",
      "embedded-finance",
      "bank-api",
      "neobank",
      "japan"
    ],
    "status": "active",
    "canonical_anchor": null,
    "related": [],
    "note": null,
    "sources": [
      "https://baas.minna-no-ginko.com/",
      "https://www.minna-no-ginko.com/alliance-service/",
      "https://www.netbk.co.jp/contents/neobank/",
      "https://gmo-aozora.com/company/outline.html",
      "https://gmo-aozora.com/business/service/pdf/api-spec-webhooks.pdf",
      "https://www.uibank.co.jp/cqbank/",
      "https://www.fsa.go.jp/common/shinsei/dendai/index.html",
      "https://www.fsa.go.jp/menkyo/menkyoj/dendai.pdf",
      "https://www.zenginkyo.or.jp/abstract/council/openapi/"
    ]
  },
  "summary": "Japan BaaS can be described by customer ownership, deposit-contract holder, UI controller, API provider, KYC / AML / fraud-monitoring responsibility, and license stack. A partner-branded app can present a banking UX while the bank account legally remains with a licensed bank.",
  "headings": [
    "Japan BaaS operating models",
    "Overview",
    "Operating-Model Matrix",
    "Legal Stack Versus UX Stack",
    "Case Set",
    "Minna Bank",
    "SSNB NEOBANK",
    "GMO Aozora",
    "UI Bank / CQ BANK",
    "Responsibility Boundary"
  ],
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