Question 1

What is Monay?

Accepted Answer

Monay is a financial infrastructure platform that enables banks, enterprises, and governments to move money globally in seconds with up to 80% lower fees than traditional banking. We offer white-label stablecoin issuance, digital wallets, and RWA tokenization.

Question 2

How fast are Monay payments?

Accepted Answer

Monay enables instant settlement in seconds, compared to traditional wire transfers that take 2-5 business days. Our platform operates 24/7/365 with sub-10ms latency and handles 10,000+ transactions per second.

Question 3

How much can I save with Monay vs traditional banking?

Accepted Answer

Monay can reduce transaction and FX costs by up to 80% compared to traditional banking rails like SWIFT and ACH. We also reduce audit costs by 70% through blockchain-verified audit trails.

Question 4

What is Stablecoin-as-a-Service?

Accepted Answer

Stablecoin-as-a-Service (CaaS) allows banks and fintechs to launch their own branded stablecoin without building blockchain infrastructure. It includes full reserve backing, regulatory compliance, and cross-chain interoperability.

Question 5

What is RWA Tokenization?

Accepted Answer

RWA (Real World Asset) Tokenization converts physical assets like real estate, private credit, and securities into digital tokens on the blockchain. This enables fractional ownership, 24/7 trading, instant T+0 settlement, and global investor access.

Question 6

Who uses Monay?

Accepted Answer

Monay serves banks seeking to modernize payment rails, enterprises wanting faster B2B payments, governments needing instant benefit disbursement, and asset managers tokenizing alternative investments.

Question 7

Is Monay compliant with regulations?

Accepted Answer

Yes. Monay is GENIUS Act compliant, supports NIST IAL2/AAL2 identity verification, uses ERC-3643 compliant security tokens, and integrates with Login.gov and ID.me for federal identity verification.