Coin-as-a-Service & Wallet-as-a-Service

Monay Wallet is a branded, white-label stablecoin and digital wallet platform designed for banks, fintech, and government agencies. Powered by USDM with interoperability across all stablecoins and fiat on-ramp/off-ramp.

Branded Wallet

White-label digital wallet solution

Branded Stablecoin

Native stablecoin with cross-chain interoperability

Virtual Cards

Visa/Mastercard/Amex POS NFC support

Cardless ATM

AllPoint network cash withdrawals

White-Label Financial Infrastructure

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

Identification and Recovery

Federal identity federation with Login.gov, ID.me, and USPS in-person proofing delivering NIST 800-63-3 IAL2/AAL2 compliance. Multi-factor authentication, biometric verification (facial recognition, voice recognition, fingerprint), and secure account recovery for government benefits, healthcare, banking, and emergency disbursements. GENIUS Act compliant with support for Medicare, Medicaid, SNAP, veterans benefits, and instant payment capabilities.

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Stablecoin-as-a-Service

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

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Wallet-as-a-Service

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

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Business Rule Framework

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

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Advanced Platform Capabilities

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

Beacon ERP Sync-Platform

Enterprise-grade accounting and ERP sync-platform with blockchain-verified financial audit trails. Complete double-entry accounting with support for sub-ledger, real-time treasury, reporting (P&L, Balance Sheet, Cash Flow), automated bank reconciliation, and seamless sync with SAP, Oracle, Sage, Netsuite, Quickbooks and other popular ERP and accounting systems. Multi-module coverage includes Accounts Receivable, Accounts Payable, General Ledger, Inventory Management, Fixed Assets, and Payroll. Leverages Hyperledger Besu for high-throughput private ledger operations with Merkle tree-based periodic synchronization to Base and EVM-compatible public blockchains, providing immutable cryptographic audit proofs while supporting 10,000+ transactions per second and reducing audit costs by 70%.

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

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

Government & Enterprise Use Cases

Education & Savings

ESA programs, custodial accounts, controlled spend

Government Programs

FEMA, IRS, military stipends, federal disbursements

B2B & Cross-Border

Invoice settlement, FX conversions, compliance

Pilot Coin Program: Coin-as-a-Service

Join our exclusive pilot program to build and deploy your branded stablecoin with full KYC/KYB compliance and business rule framework on EVM L2.

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

Enter 10-digit US number (e.g., 3016821633)

Ready to Transform Your Financial Infrastructure?

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

Contact Us

Ready to get started? Contact our team to discuss your specific needs.