Mercari new service Mercari Bank is only for Japanese

I got this email from mercari introducing their new service, Mercari Bank.

I was absolutely not interested in it until i saw their conditions:

※メルカリバンクのご利用にあたっては以下の条件がございます。
・アプリでかんたん本人確認が完了しているお客様
・日本国籍のお客様
・15歳以上のお客様

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Is there any legal justification for restricting access to this service to Japanese nationals only?

I understand age requirements and identity verification, but excluding foreign residents who are legally living, working, and paying taxes in Japan feels questionable.