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MOIN

“Can a Korea-licensed cross-border remitter become the default outbound-payments rail for Korean consumers and SMBs by stitching together multiple global payout networks (Nium + Currencycloud + Wise Platform) behind a single localized UX?”

Founded2016
HQSeoul, South Korea
IndustryFintech / Cross-border payments
The story

Founded 2016 as a consumer remittance app for Korean diaspora payments — students, expats, working-holiday-goers — undercutting bank FX margins with a digital-first experience. Subsequently expanded into B2B with MOIN BizPlus, leveraging dual Korean licenses (PG + specialized FX) to enable uncapped invoice-backed corporate transfers, and grew that business past 5,000 enterprise customers. The current strategic posture is corridor expansion and payout speed: stacking Currencycloud, Wise Platform, and an expanded Nium partnership to offer USD payouts to 181 countries and sub-20-second settlement on supported routes.

Last 12 months
2025-11
Product timeline
0
Partnered with Currencycloud to broaden corridor coverage for South Korean remitters.· partnership
0
Launched MOIN BizPlus, a B2B cross-border payments product for corporates and sole proprietors, leveraging PG + specialized FX licenses to remove transfer caps for invoiced transactions.· lending
0
Integrated Wise Platform Send to accelerate payouts — ~60% of payments complete in under 20 seconds (95% reduction in transaction time).· partnership
0
MOIN BizPlus expanded USD payouts to 181 countries (up from 48 local-currency corridors).· expansion
2016
MOIN founded in Seoul as a consumer cross-border remittance service serving Korean families sending money abroad and expats remitting home.· launch
2018
Strategic partnership established with Nium (then InstaReM) for global payout rails.· partnership
2025
Expanded strategic partnership with Nium announced at Korea Fintech Week — adds payouts to JP, US, EU, AU, CA plus emerging-market corridors and inbound settlement into Korea.· partnership
Regulated entities
2
regulatory licences held by MOIN
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
3 layers disclosed in MOIN’s embedded-finance stack
Payments / PSP
MOIN (self-operated, Korea PG license)MOIN BizPlus (self-operated)
Unified APIs
in the full report
FX & payouts
in the full report
Accounting gap: significant
6 more providers across 2 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.