{
  "date": "2026-10-20",
  "time": "12:00",
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      "as_of": "2026-10-20 09:55",
      "source": "https://www.smileswallet.com/japan/exchange-rates/jpy-to-vnd/"
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      "source": "https://japanremit.com/exchange-rate/"
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      "as_of": "2026-10-20 12:00",
      "source": "https://www.jpremit.com/api/fetch/country/fx/rate (acc_depo)"
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          "source": "https://wise.com/gateway/v3/comparisons?sourceCurrency=JPY&targetCurrency=VND&sendAmount=30000"
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          "source": "https://wise.com/gateway/v3/comparisons?sourceCurrency=JPY&targetCurrency=VND&sendAmount=50000"
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          "source": "https://wise.com/gateway/v3/comparisons?sourceCurrency=JPY&targetCurrency=VND&sendAmount=100000"
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        "300000": {
          "amount": 300000,
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          "as_of": "2026-10-20 12:00",
          "source": "https://wise.com/gateway/v3/comparisons?sourceCurrency=JPY&targetCurrency=VND&sendAmount=300000"
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    },
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          "source": "https://www.instarem.com/api/v1/public/transaction/computed-value?source_currency=JPY&destination_currency=VND&instarem_bank_account_id=163&country_code=JP&source_amount=30000"
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          "source": "https://www.instarem.com/api/v1/public/transaction/computed-value?source_currency=JPY&destination_currency=VND&instarem_bank_account_id=163&country_code=JP&source_amount=50000"
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          "source": "https://www.instarem.com/api/v1/public/transaction/computed-value?source_currency=JPY&destination_currency=VND&instarem_bank_account_id=163&country_code=JP&source_amount=100000"
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      "source": "https://online.kyodai.co.jp/rate (Account Deposit)"
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        "payout_label": "銀行口座",
        "total_fee": 670
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        "send_fee": 450,
        "payin_fee": 270,
        "principal": 29280,
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        "total_fee": 720
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      {
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        "amount": 30000,
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        "send_fee": 460,
        "payin_fee": 270,
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        "payout_label": "銀行口座",
        "total_fee": 730
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        "send_fee": 460,
        "payin_fee": 300,
        "principal": 29240,
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        "total_fee": 760
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        "send_fee": 584,
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          "参考（即時送金なし：銀行振込の反映に約30分）"
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        "payin_label": "銀行振込",
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        "payin_fee": 0,
        "principal": 30000,
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          "参考（即時送金なし：銀行振込の反映に最大2営業日）"
        ],
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    ],
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        "send_fee": 629,
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      {
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        "send_fee": 450,
        "payin_fee": 270,
        "principal": 49280,
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      {
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        "send_fee": 460,
        "payin_fee": 270,
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        "total_fee": 730
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        "total_fee": 1150
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        "send_fee": 750,
        "payin_fee": 270,
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        "total_fee": 1020
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      {
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          "参考（即時送金なし：銀行振込の反映に約30分）"
        ],
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      {
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        "payin_label": "銀行振込",
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          "参考（即時送金なし：銀行振込の反映に最大2営業日）"
        ],
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        "amount": 100000,
        "payin_label": "銀行ダイレクト（ゆうちょ・SMBC・MUFG）",
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        "total_fee": 1150
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      {
        "rank": 2,
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        "amount": 100000,
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        "send_fee": 879,
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      {
        "rank": 3,
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        "name": "Smiles",
        "amount": 100000,
        "payin_label": "Premium Remit Card（ローソン銀行ATM）",
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      {
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        "amount": 100000,
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        "send_fee": 760,
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      {
        "rank": null,
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        "payin_label": "銀行振込",
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        ],
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        "rank": 1,
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        "name": "Smiles",
        "amount": 300000,
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        "send_fee": 980,
        "payin_fee": 270,
        "principal": 298750,
        "rate": 163.2,
        "received": 48756000,
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      {
        "rank": 2,
        "provider_id": "dcom",
        "name": "DCOM",
        "amount": 300000,
        "payin_label": "銀行ダイレクト（ゆうちょ・SMBC・MUFG）",
        "send_fee": 1750,
        "payin_fee": 150,
        "principal": 298100,
        "rate": 163.5,
        "received": 48739350,
        "campaigns": [],
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        "reference": false,
        "payout": "bank",
        "payout_label": "銀行口座",
        "total_fee": 1900
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      {
        "rank": 3,
        "provider_id": "kyodai",
        "name": "KYODAI Remittance",
        "amount": 300000,
        "payin_label": "送金カード（ローソン銀行ATM）",
        "send_fee": 980,
        "payin_fee": 270,
        "principal": 298750,
        "rate": 163.0,
        "received": 48696250,
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        "reference": false,
        "payout": "bank",
        "payout_label": "銀行口座",
        "total_fee": 1250
      },
      {
        "rank": 4,
        "provider_id": "sbi_remit",
        "name": "SBIレミット",
        "amount": 300000,
        "payin_label": "レミットカード（ローソン銀行ATM）",
        "send_fee": 980,
        "payin_fee": 300,
        "principal": 298720,
        "rate": 163.0,
        "received": 48691360,
        "campaigns": [],
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        "reference": false,
        "payout": "bank",
        "payout_label": "銀行口座",
        "total_fee": 1280
      },
      {
        "rank": 5,
        "provider_id": "jme",
        "name": "Japan Money Express",
        "amount": 300000,
        "payin_label": "Load Money（Pay by Bank・BANKEY連携）",
        "send_fee": 1000,
        "payin_fee": 270,
        "principal": 298730,
        "rate": 162.954195,
        "received": 48679306,
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        "reference": false,
        "payout": "bank",
        "payout_label": "銀行口座",
        "total_fee": 1270
      },
      {
        "rank": 6,
        "provider_id": "jrf",
        "name": "JRF",
        "amount": 300000,
        "payin_label": "Load Money（Pay by Bank・BANKEY連携）",
        "send_fee": 1749,
        "payin_fee": 0,
        "principal": 298251,
        "rate": 163.0,
        "received": 48614913,
        "campaigns": [
          "Load Money入金手数料無料（2026年12月まで）"
        ],
        "notes": [],
        "reference": false,
        "payout": "bank",
        "payout_label": "銀行口座",
        "total_fee": 1749
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      {
        "rank": null,
        "provider_id": "wise",
        "name": "Wise",
        "amount": 300000,
        "payin_label": "銀行振込",
        "send_fee": 3126,
        "payin_fee": 0,
        "principal": 296874,
        "rate": 163.251,
        "received": 48464977,
        "campaigns": [],
        "notes": [
          "参考（即時送金なし：銀行振込の反映に約30分）"
        ],
        "reference": true,
        "payout": "bank",
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      },
      {
        "rank": null,
        "provider_id": "instarem",
        "name": "Instarem",
        "amount": 300000,
        "payin_label": "銀行振込",
        "send_fee": 0,
        "payin_fee": 0,
        "principal": 300000,
        "rate": 162.4138,
        "received": 48724140,
        "campaigns": [],
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          "参考（即時送金なし：銀行振込の反映に最大2営業日）"
        ],
        "reference": true,
        "payout": "bank",
        "payout_label": "銀行口座",
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  "by_payout": {}
}