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  "slug": "financial-licenses/bank-license-and-baas-boundary",
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  "raw_markdown_url": "https://finwiki.zksc.io/financial-licenses/bank-license-and-baas-boundary.md",
  "domain": "financial-licenses",
  "title": "Japan bank license and BaaS boundary",
  "entry_type": "wiki_entry",
  "frontmatter": {
    "title": "Japan bank license and BaaS boundary",
    "aliases": [
      "bank license and BaaS boundary",
      "Japan bank license BaaS",
      "銀行免許 BaaS boundary"
    ],
    "domain": "financial-licenses",
    "type": null,
    "created": "2026-05-22",
    "last_updated": "2026-07-29",
    "last_tended": "2026-07-29",
    "review_by": "2026-10-27",
    "confidence": "likely",
    "tags": [
      "JapanFG",
      "legal",
      "banking",
      "bank-license",
      "BaaS",
      "bank-api"
    ],
    "status": "active",
    "canonical_anchor": null,
    "related": [],
    "note": null,
    "sources": [
      "https://laws.e-gov.go.jp/law/356AC0000000059",
      "https://www.fsa.go.jp/menkyo/menkyo.html",
      "https://www.fsa.go.jp/common/law/guide/city/07.html",
      "https://www.fsa.go.jp/common/law/guide/city/08.html",
      "https://www.fsa.go.jp/menkyo/menkyoj/dairi_a.pdf",
      "https://www.fsa.go.jp/common/shinsei/dendai/index.html",
      "https://www.fsa.go.jp/menkyo/menkyoj/dendai.pdf",
      "https://www.fsa.go.jp/common/shinsei/dendai/dentori.html",
      "https://www.fsa.go.jp/common/law/guide/city/9.html",
      "https://www.zenginkyo.or.jp/abstract/council/openapi/"
    ]
  },
  "summary": "Japan BaaS and embedded-banking records separate the licensed bank layer from the customer-interface layer. The controlling public category for deposit-taking is the Banking Act bank-license route, while partner-branded apps, account-information services, payment-instruction services, and bank-agenc",
  "headings": [
    "Japan bank license and BaaS boundary",
    "Overview",
    "Regime Map",
    "Licensed Bank Layer",
    "Bank Agency Route",
    "Electronic Payment Agency Route",
    "Electronic Payment Handling Route",
    "BaaS Boundary Fields",
    "BaaS Operating Layers",
    "Public Verification Checklist"
  ],
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