{ "schema_version": "1.0", "slug": "loyalty/au-pay-loyalty-ecosystem-deep", "source_path": "loyalty/au-pay-loyalty-ecosystem-deep.md", "url": "https://finwiki.zksc.io/ja/loyalty/au-pay-loyalty-ecosystem-deep/", "html_url": "https://finwiki.zksc.io/ja/loyalty/au-pay-loyalty-ecosystem-deep/", "alternate_html_urls": { "ja": "https://finwiki.zksc.io/ja/loyalty/au-pay-loyalty-ecosystem-deep/", "en": "https://finwiki.zksc.io/en/loyalty/au-pay-loyalty-ecosystem-deep/" }, "github_url": "https://github.com/jasonhnd/finwiki/blob/main/loyalty/au-pay-loyalty-ecosystem-deep.md", "raw_markdown_url": "https://finwiki.zksc.io/loyalty/au-pay-loyalty-ecosystem-deep.md", "domain": "loyalty", "title": "au PAY loyalty ecosystem deep — au PAY + Ponta + Ponta Pass + UQ Mobile + au Card + au Jibun Bank stack", "entry_type": "wiki_entry", "frontmatter": { "title": "au PAY loyalty ecosystem deep — au PAY + Ponta + Ponta Pass + UQ Mobile + au Card + au Jibun Bank stack", "aliases": [ "loyalty/au-pay-loyalty-ecosystem-deep", "au-pay-loyalty-ecosystem-deep", "au PAY loyalty deep", "au PAY Ponta UQ au Card au Jibun Bank stack", "auPAYエコシステム", "au経済圏", "Ponta Pass ecosystem" ], "domain": "loyalty", "type": null, "created": "2026-05-25", "last_updated": "2026-05-25", "last_tended": "2026-05-25", "review_by": "2026-11-25", "confidence": "likely", "tags": [ "loyalty", "au-pay", "ponta", "kddi", "au-jibun-bank", "au-card", "au-smart-pass", "uq-mobile", "telco-finance", "super-app", "ecosystem" ], "status": "active", "canonical_anchor": null, "related": [], "note": null, "sources": [ "https://aupay.auone.jp/", "https://www.au.com/finance/", "https://www.aupay-card.co.jp/", "https://www.jibunbank.co.jp/", "https://www.au.com/pontapass/", "https://www.uqwimax.jp/", "https://www.ponta.jp/", "https://www.kddi.com/corporate/newsrelease/", "https://www.kddi.com/corporate/ir/" ] }, "summary": "This entry sits under loyalty index as the operator-deep page for the KDDI au-economic-zone loyalty stack, complementing d Point / au / docomo telco-point consolidation case (the cross-telco comparison view) and d Point detailed ecosystem (the docomo-side deep dive). Pair it with Ponta points deep d", "headings": [ "au PAY loyalty ecosystem deep — au PAY + Ponta + Ponta Pass + UQ Mobile + au Card + au Jibun Bank stack", "Wiki route", "TL;DR", "The six-layer integrated stack", "Pontaポイント — the loyalty-currency anchor (post-2020 \"au Ponta\")", "au PAY — the QR / barcode wallet layer", "au PAY Card — the credit-card layer", "Pontaパス — the bundled-subscription layer", "UQ Mobile + povo — the multi-line mobile-subscription strategy", "au じぶん銀行 — the bank-deposit anchor" ], "body_links": { "wikilinks_count": 31, "wikilinks": [ "INDEX", "banking/rakuten-bank", "card-issuers/paypay-card", "financial-conglomerates/mitsubishi-corp", "loyalty/INDEX", "loyalty/d-point-au-kddi-docomo-telco-point-consolidation", "loyalty/d-point-detailed-ecosystem", "loyalty/jal-mileage-bank-vs-ana-mileage-club-comparison", "loyalty/japan-points-landscape", "loyalty/jre-point-and-jre-bank-ecosystem", "loyalty/point-liability-accounting-boundary", "loyalty/ponta-points-deep-dive", "loyalty/sb-yahoo-paypay-points-unified-ecosystem", "loyalty/t-point-v-point-post-2024-merger", "loyalty/v-point-smbc-ccc-case", "megabanks/au-fh", "megabanks/ndfg", "megabanks/paypay-fg", "non-life-insurers/au-insurance", "payment-firms/au-payment", "payment-firms/paypay", "payment-firms/rakuten-fg", "payments/funds-transfer-vs-prepaid-boundary", "payments/japan-code-payment-competitive-map", "payments/japan-code-payment-operator-2025-market-share-matrix", "retail/familymart-itochu-financial-integration", "retail/japan-retail-financial-distribution-wedge-matrix", "retail/lawson-kddi-retail-finance", "retail/lawson-mitsubishi-corporation-tie-up-2024-deep", "retail/seven-i-holdings-finance-deep-dive", "securities-firms/paypay-securities" ], "resolved_wikilinks": [ "https://finwiki.zksc.io/INDEX.md", "https://finwiki.zksc.io/ja/banking/rakuten-bank/", "https://finwiki.zksc.io/ja/card-issuers/paypay-card/", "https://finwiki.zksc.io/ja/financial-conglomerates/mitsubishi-corp/", "https://finwiki.zksc.io/ja/domains/loyalty/", "https://finwiki.zksc.io/ja/loyalty/d-point-au-kddi-docomo-telco-point-consolidation/", "https://finwiki.zksc.io/ja/loyalty/d-point-detailed-ecosystem/", "https://finwiki.zksc.io/ja/loyalty/jal-mileage-bank-vs-ana-mileage-club-comparison/", "https://finwiki.zksc.io/ja/loyalty/japan-points-landscape/", "https://finwiki.zksc.io/ja/loyalty/jre-point-and-jre-bank-ecosystem/", "https://finwiki.zksc.io/ja/loyalty/point-liability-accounting-boundary/", "https://finwiki.zksc.io/ja/loyalty/ponta-points-deep-dive/", "https://finwiki.zksc.io/ja/loyalty/sb-yahoo-paypay-points-unified-ecosystem/", "https://finwiki.zksc.io/ja/loyalty/t-point-v-point-post-2024-merger/", "https://finwiki.zksc.io/ja/loyalty/v-point-smbc-ccc-case/", "https://finwiki.zksc.io/ja/megabanks/au-fh/", "https://finwiki.zksc.io/ja/megabanks/ndfg/", "https://finwiki.zksc.io/ja/megabanks/paypay-fg/", "https://finwiki.zksc.io/ja/non-life-insurers/au-insurance/", "https://finwiki.zksc.io/ja/payment-firms/au-payment/", "https://finwiki.zksc.io/ja/payment-firms/paypay/", "https://finwiki.zksc.io/ja/payment-firms/rakuten-fg/", "https://finwiki.zksc.io/ja/payments/funds-transfer-vs-prepaid-boundary/", "https://finwiki.zksc.io/ja/payments/japan-code-payment-competitive-map/", "https://finwiki.zksc.io/ja/payments/japan-code-payment-operator-2025-market-share-matrix/", "https://finwiki.zksc.io/ja/retail/familymart-itochu-financial-integration/", "https://finwiki.zksc.io/ja/retail/japan-retail-financial-distribution-wedge-matrix/", "https://finwiki.zksc.io/ja/retail/lawson-kddi-retail-finance/", "https://finwiki.zksc.io/ja/retail/lawson-mitsubishi-corporation-tie-up-2024-deep/", "https://finwiki.zksc.io/ja/retail/seven-i-holdings-finance-deep-dive/", "https://finwiki.zksc.io/ja/securities-firms/paypay-securities/" ], "external_links_count": 11, "external_links": [ "https://about.paypay.ne.jp/en/about/", "https://aupay.auone.jp/", "https://dpoint.docomo.ne.jp/guide/index.html", "https://elaws.e-gov.go.jp/document?lawid=421AC0000000059", "https://news.kddi.com/kddi/corporate/newsrelease/2020/05/21/4447.html", "https://www.au.com/finance/", "https://www.au.com/pontapass/", "https://www.aupay-card.co.jp/", "https://www.fsa.go.jp/menkyo/menkyo.html", "https://www.jibunbank.co.jp/", "https://www.ponta.jp/" ] }, "metrics": { "nonspace_chars": 15196, "word_like_tokens": 2596, "inbound_wikilinks_count": 3, "last_modified": "2026-07-29" } }