The settlement chain where invoices are the native asset.
Monay brings B2B invoice-to-cash on-chain. Every payment is born carrying its invoice's hash and settles only when paid equals due. Reconciliation is deleted by construction, and every unpaid invoice is born a financeable on-chain asset.
Banks, ERPs, and fiat rails are supported out of the box. They are the on-ramp, not the story. Not the blockchain for everything, the settlement rail for everyone.
One invoice, settled end to end
Invoice registered
Hash minted at birth
Payment born carrying the hash
Nothing to match, ever
Settled: paid equals due
Duplicates and overpayments rejected
Refund lands as a typed event
Append-only and provable
Settlement that proves itself
Four things the chain does that a payment rail cannot.
The primitive: settlement that proves itself
- Payment and invoice bound cryptographically at birth. Nothing to match, ever.
- Settled only when paid equals due. Duplicates and overpayments rejected atomically.
- Append-only: bounces, refunds, and disputes land as typed, provable events.
The asset: receivables as native RWA
- Every unpaid invoice is timestamped, unalterable, not double-sellable, with live paid/unpaid state.
- An ERC-1155 receivables marketplace to trade and finance real cash flows, not synthetic yield.
- The RWA thesis with actual volume behind it. Invoices are how real money already moves.
The architecture: dual-ledger
- TigerBeetle write path: 100K+ TPS, sub-millisecond, double-entry enforced at write time.
- Arbitrum Orbit (Stylus) settlement with AnyTrust DAC: proof public, enterprise data never.
- Stablecoin-native gas, CCTP, and GENIUS-aligned via permitted issuers.
The moat: real flows from day one
- Launches on Tilli's live rails, serving 20M+ consumers.
- 1,000+ TPS in production today.
- A fiat engine feeds the chain: ACH, wire, FedNow, and ERP sync with QuickBooks, SAP, Oracle, and NetSuite out of the box.
Tilli Software is an independent company that shares founding leadership with Monay and operates under commercial agreements. Monay launches with distribution most chains never get: real payment volume, not incentivized TVL.
Talk to usFour capabilities that move real value at scale.
Banks, ERPs, and fiat rails are supported out of the box. Consumer and SMB wallets are the on-ramp that brings real volume to the chain.
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.
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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
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Monay is not a bank. Banking services are provided by our partner financial institutions. Monay accounts are not FDIC insured.
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