Building the Programmable Money Stack for the Real World

We're building a single platform where institutions can issue a branded stablecoin and run controlled wallets that work in everyday contexts (tap-to-pay, e-commerce, and planned cash access) — with policy, compliance, and identity tied to every transaction.

Monay ID ~78%

WebAuthn/passkeys, multi-modal biometrics (where device capabilities permit), custodian-assisted recovery

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Monay CaaS ~48%

Branded coin issuance, treasury segregation, conversion, cross-rail rebalancing (prototype)

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Monay WaaS ~66%

Policy engine, refunds/returns, multi-role wallets. Card issuing & planned cardless ATM support

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ALIGNED WITH 2025 EXECUTIVE ORDERS

Powering Federal Digital Finance Initiatives

Monay's platform directly supports Trump Administration's digital asset and education freedom executive orders

Digital Asset Leadership

EO: Jan 23, 2025

  • USD-backed stablecoins (GENIUS Act)
  • Strategic Bitcoin Reserve support
  • Banking access restored
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Education Freedom

EO: Jan 29, 2025

  • $10K/year education savings
  • Private school vouchers
  • Title I funding flexibility
Learn more

Monay Delivers

Ready Today

  • ERC-3643 compliant tokens
  • MCC spending controls
  • FedRAMP ready infrastructure
Get Started

Expanding Our Technology Platform

New programs launching in 2025 to enhance our ecosystem

Professional Custodian Services

Coming Q2 2025
  • 24/7 support with 4-hour SLA
  • $10M liability insurance per account
  • Video verification & biometric matching
  • Available in 150+ countries

Permitted Payment Stablecoin Issuers

Coming Q3 2025
  • Fully regulated stablecoin issuance
  • Central bank & regulator integration
  • Automated reporting & audit trails
  • Reserve management & attestation

White-Label Financial Infrastructure

Enable banks, fintech, and government agencies to quickly deploy branded stablecoins and wallets without building new infrastructure from scratch.

Stablecoin-as-a-Service

Issue branded stablecoins (USDM) with native support on Monay Wallet, integrated with global settlement networks.

Wallet-as-a-Service

Deploy branded digital wallets with seamless integration to multiple stablecoin rails and fiat on-ramps.

Business Rule Framework

Low-code engine for KYC, verification, fraud prevention, and compliance across all payment flows.

Advanced Platform Capabilities

Orchestrate multiple stablecoin rails with advanced compliance, POS integration, and comprehensive payment solutions.

Multi-Rail Orchestration

Seamlessly bridge, settle, and manage compliance across USDC, USDT, USDP, and other major stablecoins while serving both participating and non-participating acquirers.

  • Cross-chain stablecoin interoperability
  • Global settlement network integration
  • Advanced compliance and program controls

Payment Infrastructure

Visa/Mastercard/Amex POS
ApplePay & GooglePay
Invoice-linked B2B/B2C

Business Rule Framework (BRF)

Low-code engine for intelligent eligibility, KYC/KYB, spend controls, fraud prevention, and compliance.

  • • Government disbursement programs (ESA, FEMA, IRS, EIP)
  • • Cross-border settlement and compliance
  • • Enterprise spend controls and fraud prevention
  • • P2P flow management and monitoring

On/Off-Ramps & Custody

Seamless integrations with leading platforms for fiat conversion and secure custody.

  • • Circle, Tether, Paxos, PayPal integration
  • • Fireblocks, Anchorage, Fidelity custody
  • • Coinbase, BitGo, Zero Hash support
  • • FX engine for cross-currency conversions

Invoice First™ - Enterprise Transaction Platform

Every enterprise transaction is backed by a verified invoice, creating an immutable audit trail and enabling intelligent payment automation across your entire financial ecosystem.

ERP Integration

  • • SAP, Oracle, Microsoft Dynamics
  • • Real-time invoice synchronization
  • • Automated payment reconciliation
  • • Smart contract execution

Bill Aggregator Network

  • • Bill.com, Coupa, Ariba integration
  • • Automated 3-way matching
  • • Dynamic discounting engine
  • • Supply chain financing

Banking & Core Systems

  • • Direct bank API connections
  • • Core banking integration (FIS, Fiserv)
  • • Customer Information Systems (CIS)
  • • Automated cash management

Key Benefits:

✓ 100% transaction auditability✓ 70% reduction in payment disputes✓ Real-time fraud prevention✓ Automated tax compliance✓ Instant payment verification✓ Working capital optimization

Trusted Partners & Integrations

Built on proven infrastructure with leading payment networks, stablecoin issuers, and custody providers.

V/M/A

Payment Networks

Visa, Mastercard, American Express

AP

ATM Network

AllPoint Network

SC

Stablecoins

USDC, USDT, USDP

CD

Custody

Fireblocks, Anchorage, Fidelity

BA

Bill Aggregators

Bill.com, Coupa, Ariba

ERP

Enterprise Systems

SAP, Oracle, Microsoft

CBS

Core Banking

FIS, Fiserv, Jack Henry

KYC

Compliance

Persona, Alloy, Onfido

Transforming Industries with Monay Technology

Monay ID - Authentication Use Cases

Healthcare

HIPAA-compliant voice authentication for patient portals and telehealth

Banking

Voice-authenticated phone banking with custodian account recovery

Enterprise

Unified SSO across all corporate applications with biometric MFA

E-commerce

Passwordless checkout increasing conversion by 35%

Government

Citizen identity verification for digital services and benefits

Education

Student authentication with parental custodian controls

Monay CaaS - Stablecoin Use Cases

Corporate Treasury

Internal settlements with 80% cost reduction on cross-border payments

Payroll & Benefits

Instant employee payments in branded tokens with spending controls

Supply Chain

Vendor payments with automated smart contract settlements

Loyalty Programs

Tokenized rewards with instant redemption and transferability

Municipal Currency

City-issued tokens for local economic stimulus and services

Insurance

Instant claim settlements with programmable disbursements

Monay WaaS - Wallet Use Cases

Neobanks

Launch full banking services in 6 weeks with cards and ATM access

Gig Economy

Instant driver/contractor payouts with virtual cards

Remittance

Cross-border transfers under $1 with instant settlement

Gaming

In-game wallets with real money withdrawals to cards

Expense Management

Corporate cards with programmable spending rules and limits

Social Payments

P2P transfers with social features and split payments

Government & Public Sector

Education & Savings

ESA programs, custodial accounts, controlled spend

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Government Programs

FEMA, IRS, military stipends, federal disbursements

View RFP Solutions

B2B & Cross-Border

Invoice settlement, FX conversions, compliance

Explore Solutions
SNAP Modernization

Modern SNAP benefits distribution system

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Disaster Relief

Rapid emergency aid distribution

Learn More →

Enterprise Solutions

Enterprise Stablecoin Platform

Custom stablecoin issuance with dual-rail architecture

Explore Platform

Banking & Fintech

Regulatory-compliant payment infrastructure

View Solutions
🎉 LIMITED SPOTS AVAILABLE - 75% OFF FIRST YEAR

Be Among the First to Launch YourDigital Currency with Monay

Join our exclusive Pilot Coin Program and save $50,000+ while getting white-glove support to launch your branded stablecoin on our dual-rail blockchain platform.

75%
Discount
$0
Setup Fees
100hrs
Free Support
Direct
Founder Access
1

KYC/KYB Onboarding

  • Business verification & compliance
  • Regulatory framework setup
  • Risk assessment & scoring
2

Business Rules Engine

  • Custom compliance rules
  • Transaction limits & controls
  • Multi-signature requirements
3

L2 Deployment

  • Base or Polygon zkEVM setup
  • ERC-3643 token deployment
  • Onramp infrastructure

Technical Architecture

Blockchain Infrastructure

  • • EVM L2: Base or Polygon zkEVM
  • • ERC-3643: Security token standard
  • • Multi-signature wallet integration
  • • Gas optimization & cost management

Compliance & Security

  • • Automated KYC/KYB verification
  • • Business rule engine (BRE)
  • • Regulatory reporting & audit trails
  • • Risk management & monitoring

Pilot Coin Program Application

Ready to Transform Your Financial Infrastructure?

Join banks, fintech, and government agencies already using Monay to power their stablecoin and wallet programs.

Get Started Today

Ready to transform your financial infrastructure? Sign up for free or contact our team to discuss your specific needs.

Sign Up Free - Choose Your Product

No credit card required • Start in minutes • 75% off with Pilot Program