Money moves at infrastructure scale.
Purpose-built for institutional wallets, compliant cross-border rails, government disbursements, and tokenized real assets.
A Europe-anchored foundation across 29 regulated markets, with strategic presence in growth corridors including Kenya, India, Brazil, Mexico, and the UAE.
Value moving across the platform
Branded wallet issued
UAE • WaaS
Cross-border settlement
GB → IN
Government disbursement
Kenya • settled
Tokenized asset yield
EU • T+0
Four capabilities that move real value at scale.
Consumer and SMB use cases are fully supported as one important rail within the platform.
Institutional Wallet-as-a-Service
Branded digital wallets with stablecoin + fiat rails for banks, fintechs, and platforms.
- Enterprise controls & approval workflows
- Stablecoin integration
- Deploy in weeks
Cross-Border & Enterprise Rails
Compliant movement of value between developed markets and growth corridors.
- Europe foundation + strategic corridors
- Full audit & compliance
- Institutional treasury features
Government & Public Programs
Instant, auditable disbursements for disaster relief, benefits, stipends, and tax programs.
- Sub-second delivery
- Full spend controls + identity verification
- Live in 51 markets, including early corridor programs
Real Assets & Capital (RWA)
Tokenized real estate, private credit, and securities with automated yield and T+0 settlement.
- Fractional ownership
- Cross-border investor access
- Built-in compliance rails
Live across 51 markets today.
A Europe-anchored foundation of 29 markets—built on regulatory maturity, capital depth, and compliance infrastructure—plus strategic early presence in high-potential corridors.
Up and running in minutes
No complicated setup. No waiting. Just get started.
Create your account
Sign up with your phone number. We'll send you a link to download the app.
Verify your identity
Quick identity check to keep your account secure and prevent fraud.
Start using Monay
Send money, receive payments, manage your finances. All from one app.
Get paid faster. Chase payments less.
Create invoices in seconds. Accept payments from anywhere. Whether you are a freelancer, a growing startup, or an established business.
- Professional invoices in one tap
- Customers pay without an account
- Cross-border made simple
Invoice
#1042
$2,400.00
Design services - March 2026
Built on trust
Your money and data are protected by industry-leading security.
Verified Identity
Every user is verified to keep the platform safe
Biometric Security
Face ID, Touch ID, and PIN protection
Encrypted Data
Bank-level encryption for all transactions
Compliant
AML/KYC compliant with regulatory oversight
Powered by trusted partners
Monay is not a bank. Banking services are provided by our partner financial institutions. Monay accounts are not FDIC insured.
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