Some non-cash-convertible electronic money can be transferred to third parties. This is mainly centered on IC cards or server-based prepaid payment instruments for third-party business and includes (i) one user transferring an electronic money balance to another in order to transfer the payment instrument between individuals and (ii) transferring a number or other identifier by e-mail or social media so that others may use it as a payment instrument. Such prepaid payment instruments are considered to have characteristics similar to those of a remittance service. Because this kind of electronic money is not cash-convertible, it is generally issued as a prepaid payment instrument, but according to the "Guidelines for Administrative Processes (Volume 3: Financial Companies, 5. Prepaid Payment Instrument Issuers)", implementation of user protections and other features is a focal point for regulatory supervision, and issuers will be required to implement such features. Four main types of remittance service provided by Funds Transfer Service Providers b. Example Remittance Structure 54
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