Recruit MUFG Business
ConfidenceLikelyUpdated2026-07-30Review by2026-11-21Sources4Machine-translatedOriginal (JA)
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Wiki route
This entry sits under payment-firms INDEX. Read it with MUFG for bank-group context, funds-transfer registry for the regulatory route, and Japan code-payment competitive map for wallet competition.
Overview
Recruit MUFG Business Co., Ltd. is a joint venture of Recruit and MUFG Bank that provides the Air Wallet app and COIN+ payment brand. Its official company profile lists third-party prepaid issuer registration and funds-transfer service provider registration; the FSA list records it as Kanto Local Finance Bureau Director 第00081号 with registration date 2020-08-13.
The company is strategically important because it combines Recruit’s merchant / consumer service surfaces with MUFG banking rails. It is not a classic card issuer; it is an account-linked wallet / payment infrastructure route.
1. Entity / license boundary
The following table is scoped to public primary sources (recruitmufgbiz.co.jp, fsa.go.jp, recruit.co.jp). It restates licence / structure / product boundaries from those materials and does not invent market share, ranking, or unstated numerical claims. ↗
| Item | Reading |
|---|---|
| Legal entity | Recruit MUFG Business Co., Ltd. |
| Established | 2019-12-20 |
| Shareholders | Recruit and MUFG Bank |
| Main products | Air Wallet, COIN+ |
| Public registrations | Third-party prepaid issuer Kanto Local Finance Bureau Director第00736号; funds-transfer service provider Kanto Local Finance Bureau Director第00081号 |
2. Business Role
- The official company site describes the business as providing the Air Wallet remittance app and COIN+ payment brand.
- Recruit’s public releases position RMB as the operator behind COIN+ account-linking, bank-account integrations, wage digital payment, and the Air Wallet Quick Loan route.
- The key lens is distribution: Recruit’s service ecosystem can create wallet touchpoints without starting from a standalone bank app.
3. Why This Standalone Page Matters
RMB sits between MUFG, consumer apps, merchants, payroll flows, and account-to-account payment. That makes it a useful contrast to PayPay, Merpay, au PAY, and card-led PSPs such as GMO-PG.
Related
- mufg
- mufg-bank
- funds-transfer-service-providers-japan-index
- prepaid-payment-instrument-issuers-japan-index
- japan-code-payment-competitive-map
- funds-transfer-vs-prepaid-boundary
Sources
- Recruit MUFG Business official site: https://www.recruitmufgbiz.co.jp/
- FSA funds-transfer service provider list: https://www.fsa.go.jp/menkyo/menkyoj/shikin_idou.pdf
- Recruit release on wage digital payment designation: https://www.recruit.co.jp/newsroom/pressrelease/2024/1213_14907.html
- Recruit release on Air Wallet Quick Loan: https://www.recruit.co.jp/newsroom/pressrelease/2025/0519_15640.html
Discovery
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