Unidos
- Company typePrivate
- Founded2000
- HeadquartersTokyo, Japan
- Headcount51–100
- GTM typeB2B and B2C
- OfferingServices
What Unidos does
Unidos Co., Ltd., operating under the Kyodai Remittance brand, is a Tokyo-based international money transfer company founded in 2000 and registered as a payment service provider under Japan's Payment Services Act. The company serves two primary segments: individual foreign residents in Japan sending remittances to family abroad (supported in 10+ languages), and Japanese corporations making overseas contractor, salary, and import-settlement payments. Its core product is Kyodai Remittance, accessible through physical branches across nine Japanese prefectures, proprietary Kyodai Cards (Red and Gold Smart Card variants) that enable cash deposits at 32,000 Japan Post Bank ATMs and 13,542 Lawson Bank ATMs, electronic bank transfer (Denshin Furikomi), and the KyodaiApp mobile application. The underlying platform combines eKYC digital onboarding, a pre-funded balance system, biometric authentication, and integration with Ria Money Transfer's global payout network following the November 2025 merger, alongside IME as a secondary payout partner. Customer funds are safeguarded through trust agreements with Mizuho Bank and Kiraboshi Bank as required under Japanese law.
Unidos firmographics
Firmographics- Name
- Unidos
- Legal name
- Unidos Co., Ltd.
- Website
- https://kyodairemittance.com
- Company type
- Private
- Founded year
- 2000
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Ownership category
- akta.pro rank
Unidos industry classification
Industry- Product category
- International Remittance Services
- NAICS
- Couriers and Express Delivery Services (492110)
- SIC
- Security & Commodity Brokers, Dealers, Exchanges & Services (6200)
- akta.pro primary industry
- Consumer P2P International Remittances (FSAGAKAA)
- akta.pro secondary industry
- Consumer Remittances (P2P) (FSAMAIAA)
Keywords
Where Unidos is headquartered
LocationHeadquarters
- HQ city
- Tokyo
- HQ country
- Japan
- HQ region
- Asia
Offices9 records
Markets served
Unidos business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Operations, Personnel, Technology or R&D, Infrastructure, Marketing or Sales
Revenue model
- International Remittance Fees: Transaction-based fees charged per remittance. Fees vary based on destination country, payment mode (bank deposit or cash pickup), and transfer amount. Standard transfers capped at 1 million yen per transaction including fees. Additional confirmation required for transfers exceeding 800,000 yen.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Country-specific fee tables based on destination and payment method |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels4 records
Unidos product offering
Product offeringCore offering
Unidos operates the Kyodai Remittance service, an international money transfer platform that enables foreign residents in Japan and Japanese corporations to send funds to 18+ destination countries. Customers transact through a combination of physical branches, the KyodaiApp mobile application, KYODAI Cards redeemable at Japan Post Bank and Lawson Bank ATMs, and electronic bank transfer (Denshin Furikomi). Standard individual remittances are capped at 1 million yen per transaction including fees, while corporate customers can access SWIFT-based transfers (flat 3,000 yen) and KYODAI Remittance Plus for transfers up to 10 million yen.
Product overview
Kyodai Remittance, operated by Unidos Co., Ltd., is a Japanese international money transfer service offering both individual and corporate remittance solutions. The core platform provides transfers through physical branches, proprietary Kyodai Cards (Red and Gold Smart Card variants) usable at Japan Post Bank and Lawson Bank ATMs, and electronic bank transfer (Denshin Furikomi). The KyodaiApp mobile application serves as the digital interface for registration, beneficiary management, and transaction tracking. Corporate services include standard SWIFT-based transfers and a Plus tier for higher-value transactions up to 10 million yen. The company has integrated with Ria Money Transfer following a 2025 partnership.
Differentiator
Problem solved
Functional benefit
Brands
- Kyodai Remittance Card (Red): Standard remittance card for depositing funds at ATMs of Japan Post Bank and Lawson Bank to send money internationally.
- Kyodai Remittance Smart Card (Gold)
- KyodaiApp
Products and services
- Kyodai Remittance International Transfer Service International money transfer service for individuals and corporations sending funds from Japan to 18+ countries across Asia and Latin America, accessible through branches, ATM deposits using KYODAI Cards, electronic bank transfer (Denshin Furikomi), and the KyodaiApp mobile application.
- KyodaiApp Mobile Application Mobile app enabling customers to register for Kyodai Remittance, manage beneficiaries, send money, track transactions, and access account features including biometric security, 4-digit PIN management, and deposit notifications.
- Kyodai Remittance Card (Red) Physical debit card that allows customers to deposit funds at Japan Post Bank and Lawson Bank ATMs for automatic transfer to designated international remittance beneficiaries.
- Kyodai Remittance Smart Card (Gold) Premium physical debit card providing enhanced ATM deposit functionality and integration with the KyodaiApp for directing funds to international remittance beneficiaries.
- KYODAI Remittance SWIFT (Corporate) Corporate remittance service using the SWIFT network to enable Japanese corporations to transfer funds internationally to any country or region, with a flat 3,000 yen fee per transaction and a 1 million yen per-transaction limit.
- KYODAI Remittance Plus (Corporate) Corporate tier of KYODAI Remittance designed for high-value international payments up to 10 million yen per transaction to Indonesia, Nepal, Vietnam, and Peru, offered at a flat 5,000 yen fee.
Companies that use Unidos
Customer profileNamed customers2 records
Segments3 records
Ideal customer profiles2 records
Unidos technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Unidos partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core.
- Ria Money TransfercoreKyodai Remittance merged with Ria Money Transfer in November 2025. As part of Ria, Kyodai now connects to Ria's global remittance network, expanding service reach and capabilities.
- Mizuho Bank, Ltd.coreMizuho Bank serves as a safeguarding guarantee partner under Japan's Payment Services Act, providing protection for customer funds deposited with Kyodai Remittance.
- Kiraboshi Bank, Ltd.coreKiraboshi Bank serves as a safeguarding guarantee partner under Japan's Payment Services Act, providing protection for customer funds deposited with Kyodai Remittance.
- Japan Post BankcoreJapan Post Bank partnership provides access to 32,000 ATMs across Japan for Kyodai card deposits and automatic fund transfers to beneficiaries.
- Lawson BankcoreLawson Bank partnership provides access to 13,542 ATMs across Japan for Kyodai card deposits and automatic fund transfers to beneficiaries.
Scale indicators3 records
Recent moves6 records
Expansion highlights5 records
Unidos competitors and assessment
Company assessmentBroad incumbents
- Western Union: Largest global remittance incumbent. Previously integrated with Kyodai (services discontinued in Nov 2025 per announcement) and continues to compete in the Japan market through its own agent network.
- MoneyGram: Global cross-border P2P payments and money transfer incumbent. Also discontinued its Kyodai partnership in November 2025 and competes directly in the Japan outbound remittance market.
- PayPal (Xoom): PayPal-owned cross-border remittance brand serving Japan outbound corridors. Competes on digital UX and brand trust, primarily for bank-funded transfers rather than cash-in, so overlap is partial but increasingly direct.
Others
- Ria Money Transfer: Global remittance network that merged with Kyodai/Unidos in November 2025. Previously a direct competitor and now a parent-affiliate; relevant as a peer because Ria's brand and payout network now extend Kyodai's reach beyond what it could offer independently.
- International Money Express (IME): Cross-border remittance provider with existing technology/partnership relationship with Kyodai (logo present on Kyodai site). Comparable as an adjacent remittance operator with overlapping corridor coverage and complementary payout infrastructure.
Direct peers
- WorldRemit: Digital cross-border remittance platform serving corridors from Japan to Asia and Africa. Comparable target customer (migrant workers) and pricing model, with mobile-first deposit and payout methods.
- Remitly: Digital cross-border remittance company serving Japan-outbound corridors to Asia and Latin America. Directly comparable on customer demographic (foreign workers sending to family) and pricing model, competing primarily on UX and speed.
- Seven Bank (GoRemit): Japan's largest ATM operator and parent of GoRemit international remittance service. Competes with Kyodai on cash-in convenience via Seven-Eleven ATMs and is a natural direct competitor for cash-funded remitters in Japan.
- Wise: Digital-first cross-border remittance and multi-currency account provider operating in Japan. Competes with Kyodai on Japan-outbound corridors with bank-funded flows and is a structural pricing benchmark that pressures consumer remittance margins.
- SBI Remit: Japanese-licensed online remittance service operated by SBI Sumishin Net Bank, serving similar foreign-resident customer segments in Japan with bank-account-funded transfers. Closest domestic competitor with comparable corridor coverage.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Unidos social profiles
Digital presenceUnidos financial estimates
Financial estimateRevenue estimate
Valuation estimate
Unidos leadership team
Management profileNumber of profiles
Profiles1 record
Unidos funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Unidos M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Unidos
What does Unidos do?
Unidos operates the Kyodai Remittance service, an international money transfer platform that enables foreign residents in Japan and Japanese corporations to send funds to 18+ destination countries. Customers transact through a combination of physical branches, the KyodaiApp mobile application, KYODAI Cards redeemable at Japan Post Bank and Lawson Bank ATMs, and electronic bank transfer (Denshin Furikomi). Standard individual remittances are capped at 1 million yen per transaction including fees, while corporate customers can access SWIFT-based transfers (flat 3,000 yen) and KYODAI Remittance Plus for transfers up to 10 million yen.
Is Unidos a public or private company?
Unidos is a private company. It is classified as corporate owned and is currently operating.
When was Unidos founded?
Unidos was founded in 2000. It employs 51 to 100 people.
Where is Unidos based?
Unidos is headquartered in Tokyo, Japan, in the Asia region.
How does Unidos make money?
One revenue line is on record: international Remittance Fees.
Who are Unidos's main competitors?
Broad incumbents on record are Western Union, MoneyGram and PayPal (Xoom). Others are Ria Money Transfer and International Money Express (IME). Direct peers are WorldRemit, Remitly, Seven Bank (GoRemit), Wise and SBI Remit.
Does Unidos have an API?
No public API is recorded for Unidos.
What industry is Unidos in?
Unidos's product category is International Remittance Services. Its primary akta.pro industry code is FSAGAKAA, Consumer P2P International Remittances, with a secondary code of FSAMAIAA, Consumer Remittances (P2P). Its NAICS code is 492110 and its SIC code is 6200.