---
title: "リクルートMUFGビジネス"
aliases: ["Recruit MUFG Business", "株式会社リクルートMUFGビジネス", "RMB", "COIN+", "エアウォレット"]
domain: payment-firms
created: 2026-05-21
last_updated: 2026-07-30
last_tended: 2026-07-30
review_by: 2026-11-21
confidence: likely
tags: [JapanFG, payments, wallet, funds-transfer, MUFG, Recruit]
status: active
sources:
  - "https://www.recruitmufgbiz.co.jp/"
  - "https://www.fsa.go.jp/menkyo/menkyoj/shikin_idou.pdf"
  - "https://www.recruit.co.jp/newsroom/pressrelease/2024/1213_14907.html"
  - "https://www.recruit.co.jp/newsroom/pressrelease/2025/0519_15640.html"
---

# リクルートMUFGビジネス

## Wiki route

This entry sits under [[payment-firms/INDEX|payment-firms INDEX]]. Read it with [[megabanks/mufg|MUFG]] for bank-group context, [[payments/funds-transfer-service-providers-japan-index|funds-transfer registry]] for the regulatory route, and [[payments/japan-code-payment-competitive-map|Japan code-payment competitive map]] for wallet competition.

## Overview

株式会社リクルートMUFGビジネス is a joint venture of Recruit and [[megabanks/mufg-bank|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 関東財務局長 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. 法人・ライセンス境界

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. ^[source:recruitmufgbiz.co.jp; fsa.go.jp; recruit.co.jp]

| Item | Reading |
|---|---|
| Legal entity | 株式会社リクルートMUFGビジネス |
| Established | 2019-12-20 |
| Shareholders | Recruit and [[megabanks/mufg-bank|MUFG Bank]] |
| Main products | Air Wallet, COIN+ |
| Public registrations | Third-party prepaid issuer 関東財務局長第00736号; funds-transfer service provider 関東財務局長第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 [[megabanks/mufg|MUFG]], consumer apps, merchants, payroll flows, and account-to-account payment. That makes it a useful contrast to [[payment-firms/paypay|PayPay]], [[payment-firms/merpay|Merpay]], [[payment-firms/au-payment|au PAY]], and card-led PSPs such as [[payment-firms/gmo-payment-gateway|GMO-PG]].

## Related

- [[megabanks/mufg]]
- [[megabanks/mufg-bank]]
- [[payments/funds-transfer-service-providers-japan-index]]
- [[payments/prepaid-payment-instrument-issuers-japan-index]]
- [[payments/japan-code-payment-competitive-map]]
- [[payments/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