Monay WaaS

Complete Wallet-as-a-Service Infrastructure

Launch digital wallets in days, not months. Full-stack solution with cards, ACH, wire transfers, and seamless fiat on/off-ramps—all through a single API.

Complete Payment Stack

Card Issuance

Virtual and physical cards with instant issuance, Apple/Google Wallet, and real-time controls.

  • • Instant virtual cards
  • • Premium metal cards
  • • Dynamic spend controls
  • • Real-time notifications

Money Movement

Complete suite of payment rails including ACH, wire transfers, FedNow, and RTP.

  • • Same-day ACH
  • • Domestic & international wires
  • • Instant payments (RTP/FedNow)
  • • Check deposits

Compliance Built-in

KYC/AML, transaction monitoring, and regulatory reporting handled automatically.

  • • Automated KYC/KYB
  • • Real-time fraud detection
  • • Sanctions screening
  • • Regulatory reporting

Advanced Capabilities

Multi-Currency Support

Hold, convert, and transact in 35+ currencies with real-time FX rates and low fees.

Fiat Currencies

USD, EUR, GBP, JPY, and 30+ more

Crypto Assets

BTC, ETH, USDC, and major stablecoins

ATM Network Access

Cardless ATM withdrawals via QR code/NFC at 55,000+ AllPoint locations.

Withdrawal Methods

Card, QR code, NFC tap

Coverage

55,000+ ATMs nationwide

Rewards & Cashback

Customizable rewards programs with instant cashback and point redemption.

Reward Types

Cashback, points, miles, crypto

Customization

Category boosts, tier benefits

Sub-Account Management

Create unlimited sub-accounts for budgeting, family members, or business departments.

Account Types

Savings, checking, virtual cards

Controls

Spend limits, permissions, alerts

Built for Every Industry

Neobanks

Launch a digital bank with accounts, cards, and payments in weeks. White-label ready.

Gig Economy

Instant payouts, expense cards, and tax withholding for drivers and freelancers.

Employee Benefits

HSA/FSA accounts, wellness rewards, and expense management with virtual cards.

Teen Banking

Parental controls, chore payments, savings goals, and financial education tools.

Travel & Expense

Corporate cards with receipt capture, mileage tracking, and automated expense reports.

Crypto Platforms

Fiat on/off-ramps, stablecoin wallets, and crypto-backed debit cards.

Technical Excellence

API Performance

  • ✓ <100ms response time
  • ✓ 99.99% uptime SLA
  • ✓ 10,000+ RPS capacity
  • ✓ Real-time webhooks
  • ✓ Idempotent requests
  • ✓ GraphQL available

Security

  • ✓ PCI-DSS Level 1
  • ✓ SOC2 Type II
  • ✓ Bank-grade encryption
  • ✓ Tokenization
  • ✓ 3D Secure 2.0
  • ✓ Biometric authentication

Integration

  • ✓ RESTful API
  • ✓ SDKs (10+ languages)
  • ✓ Embeddable UI
  • ✓ Mobile SDKs
  • ✓ Postman collection
  • ✓ Sandbox environment

Partnership Network

Visa
Card Network
TilliPay
Payment Rails
Persona
KYC Provider
AllPoint
ATM Network

Transparent, Usage-Based Pricing

Pay only for active wallets. No setup fees, no hidden costs.

Starter
Free
First 1,000 wallets
$0.15 per wallet after
Growth
$299
Up to 10K wallets
$0.10 per wallet after
Scale
$999
Up to 50K wallets
$0.05 per wallet after
Enterprise
$2,999+
Unlimited wallets
Volume discounts

Transaction Fees

  • • Card transactions: 1.5% + $0.10
  • • ACH transfers: $0.25
  • • Wire transfers: $15
  • • International: 2.5% FX markup

What's Included

  • ✓ KYC/AML compliance
  • ✓ Card program management
  • ✓ Fraud monitoring
  • ✓ 24/7 customer support

Launch Your Wallet Platform Today

Go live in days with our white-label solution