Smiles Mobile Remittance vs JRF Wallet

Send money from Japan, Singapore, the USA, and Canada to the world in real-time with Smiles — the award-winning and Japan’s NUMBER ONE* rated mobile money transfer service. Whether you're sending PHP to the Philippines, VND to Vietnam, or INR to India, Smiles ensures your hard-earned money goes further. Our team monitors rates 24/7 so you can access our “Everyday Great Rate” and support your loved ones with more value for every transfer. WHY CHOOSE SMILES? ・Award-winning mobile app: Register and send money overseas easily on an interface that won the prestigious Good Design Award 2021. ・Friendly, multilingual support: Have a question? Our localized customer support team speaks your language (English, Tagalog, Vietnamese, Indonesian, and more) to ensure you always feel at ease. ・Designed by expats for expats: Our global team understands the journey of living abroad. We built Smiles to fit your international lifestyle, making global finance feel local. ・Secure & trustworthy: Rest easy knowing your transactions are protected by an advanced, AI-driven eKYC verification system. We are also fully compliant with federal and regional financial regulations ・Zero-fee with points: We value your loyalty. Earn Smiles Points every time you send money and use them to cover your remittance fee. EXCLUSIVE BONUS SERVICES ・Smiles Connect (Japan only): A dedicated SIM and eSIM service designed for residents in Japan. Order and manage your mobile plan and your remittances all in one app. ・Bills Payment: A specialized feature for overseas Filipinos to invest and pay bills directly back home. REGULATORY & COMPLIANCE INFORMATION Smiles Mobile Remittance is a licensed service provided by Digital Wallet Corporation and its global subsidiaries. ・Japan: Licensed by the Kanto Local Finance Bureau (License No. 00044). ・Singapore: Regulated by the Monetary Authority of Singapore (MAS). ・Canada: Fully registered and compliant with FINTRAC regulations. ・USA: FinCEN registered with NMLS ID No. 2320469. Service availability, exchange rates, and fees may vary based on the transaction amount, destination country, and payout partner. Smiles utilizes bank-grade encryption to ensure your data and funds are always protected. READY TO JOIN THE SMILES COMMUNITY? Let’s “Share Smiles” — download and register in minutes today! Visit www.smileswallet.com to learn more. *Based on a 2021 survey of Filipino users in Japan regarding remittance service preferences.

JRF WALLET – The newest product service offered by JRF – Japan Remit Finance Co., Ltd. JRF has revolutionize the world of remittance services and brought the easiest way of bridging businesses and personal remittances worldwide. The first of its kind that allows new client registration without personal appearance to any of JRF branches. Direct submission and upload of valid government ID’s makes it easier to transact anytime. Further, the sophisticated and law-abiding facial recognition of client upon registration allows automated final confirmation that client is legally binding the JRF terms and conditions. Daily FX Rates are constantly updated for your convenience. Adding beneficiary? Worry no more! Add your beneficiary information anytime anywhere thru the App. This also features the status of transactions, checking of load balance, auto compute of daily rates and charges. During busy schedules you can easily manage creating your personal remittance transactions. JRF Wallet can be downloaded through app store and features 24/7 accessibility to over 81 countries worldwide for all your remittance needs from Japan. JRF Wallet uses JRF Red card for cash funding on the wallet thru over 25,000 JP Post ATM nationwide. JRF Wallet also recognizes your amount transferred from overseas countries to Japan.