Unidos

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.

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

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

• International remittance
• Money transfer services
• Cross-border payments
• Mobile remittance app
• Corporate remittance services

Headquarters

HQ city

Tokyo

HQ country

Japan

HQ region

Asia

Offices9 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Operations, Personnel, Technology or R&D, Infrastructure, Marketing or Sales

Revenue model

1. 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

Go-to-market motion2 records

Distribution channels5 records

Marketing channels4 records

Core 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.

Named customers2 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Five partnerships are on record, tiered core.

• Ria Money TransfercoreTechnology or IntegrationKyodai 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.coreOthersMizuho 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.coreOthersKiraboshi Bank serves as a safeguarding guarantee partner under Japan's Payment Services Act, providing protection for customer funds deposited with Kyodai Remittance.
• Japan Post BankcoreTechnology or IntegrationJapan Post Bank partnership provides access to 32,000 ATMs across Japan for Kyodai card deposits and automatic fund transfers to beneficiaries.
• Lawson BankcoreTechnology or IntegrationLawson 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

Broad 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

• Xx.com/kyodaibahasa
• Facebookfacebook.com/Kyodairemittance

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Unidos