Why Leading Companies & Innovative Public Sectors Must Choose Monay

See how we deliver more value, better technology, and lower costs than traditional providers

50-90%
Cost Savings
10x
Faster Integration
99.99%
Uptime
150+
Countries
EXECUTIVE ORDER COMPLIANT

Aligned with 2025 Federal Initiatives

Monay is uniquely positioned to power the US Federal Government's digital finance and education freedom initiatives

EO: Digital Asset Leadership

Signed January 23, 2025

USD Stablecoin Support: Monay's ERC-3643 tokens align with GENIUS Act framework
No CBDC Policy: Private stablecoin infrastructure ready for government programs
Banking Access: End of Operation Choke Point 2.0 enables seamless partnerships

EO: Education Freedom

Signed January 29, 2025

$10K Education Accounts: Digital wallets with MCC controls for compliant spending
School Choice Vouchers: Blockchain-based distribution with real-time tracking
Title I Redirection: Instant parent-directed funding with complete audit trails
Explore Government Solutions

Interactive Comparison Matrix

Authentication (Monay ID vs Competitors)

FeatureMonay IDAuth0OktaFirebase
Starting PriceFree$240/mo$1,500/moFree
10K MAU Cost$149$240$3,000Free
100K MAU Cost$499$2,100$8,000$60
Voice Biometrics✅❌❌❌
Custodian Recovery✅❌❌❌
Setup Time<1 hour2-4 hrs1-2 days2-4 hrs
Drop-in UI✅✅❌❌
SLA Guarantee99.99%99.9%99.95%None

Only at Monay

Revolutionary Features No One Else Offers

Unified WaaS + CaaS

The only platform combining wallet + branded stablecoin. White-label wallet infrastructure with your own compliant token, all under one contract and API.

Dual-Rail Architecture

Base L2 + Solana with treasury burn/mint. Cross-rail atomic swaps in <60 seconds. Chain abstraction for end users.

Real-World Spend Built-In

Card issuing with JIT funding + cardless ATM. Pre-integrated issuer-processor, tokenized cards, code-based cash withdrawals at 55,000+ ATMs.

Invoice First™ Platform

Create invoice, then pay. Revolutionary approach where every transaction starts with a verified invoice. Line items, refunds, partials, returns. ERP sync, bill aggregator integration, complete audit trail and automated reconciliation.

Program-Grade BRF

Enterprise eligibility & spend controls. MCC/merchant/geo/time limits, KYC/KYB rules, approval workflows, fraud detection—all configurable in real-time.

Compliance-First Orchestration

HIPAA-ready, KYC/KYB/AML built-in. Sanctions screening, audit trails, FBO/escrow segregation. Enterprise & public-sector ready with SSO/SAML.

Treasury & Liquidity Automation

Segregated balances, fiat↔stablecoin conversion. Cross-rail rebalancing, automated reconciliation, hybrid ledger with on-chain anchoring.

Enterprise & Public-Sector Readiness

SSO/SAML, RBAC, advanced observability. Complete webhook infrastructure, data exports, ACH/RTP/wire connectors. Built for government, healthcare, and Fortune 500 requirements.

Multi-Stakeholder Model

Guardian/beneficiary, parent/child support. Department budgets, allowances, approvals, envelopes. Role-segregated operations with custodian recovery.

One Contract, One API

Ship in 4-6 weeks, not months. Pre-integrated rails eliminate 5-6 vendor integrations. Built-in engagement (Nudge) for onboarding & receipts.

Custodian & Recovery Service

Never lose access to accounts. Family, professional, and institutional custodians with zero-knowledge security. Migrate once, secure forever.

Voice Biometric Authentication

Patent-pending voice security. Frictionless authentication with AI-powered voice recognition. No passwords, no SMS codes, just speak to verify.

Performance Metrics Comparison

Speed & Reliability

API Response Time
<50ms(Industry: 200-500ms)
Uptime SLA
99.99%(Industry: 99.9%)
Transaction Speed
<1 sec(Industry: 5-30 sec)
Integration Time
<1 hour(Industry: 1-2 weeks)

Cost Efficiency

10K MAU Auth
$149/moSave 80%
100K Transactions
$2,499/moSave 83%
5K Wallets
$299/moSave 94%
Enterprise Bundle
$3,999/moSave 84%

Your Savings Calculator

See how much you'll save by switching from legacy providers to Monay

Authentication Migration

From:Auth0 ($5,000/mo)
To:Monay ID ($499/mo)
90% cost reduction
+ voice biometrics

Stablecoin Launch

Traditional:18 months, $2M
With Monay:3 weeks, $50K
97% savings
94% faster

Digital Wallet

Competitor:$500K + $10K/mo
Monay WaaS:$0 + $999/mo
$500K saved
Immediate savings

Technical Superiority

Built from the ground up for modern fintech requirements

Architecture

  • ✓Dual-rail blockchain: Base L2 + Solana
  • ✓Chain abstraction: Users never see complexity
  • ✓Event-driven: Real-time processing
  • ✓Microservices: Scalable & resilient
  • ✓Multi-region: Global deployment

Security

  • ✓HSM integration: Hardware key management
  • ✓Voice biometrics: Patent-pending tech
  • ✓Zero-knowledge: Custodian recovery
  • ✓MPC wallets: Multi-party computation
  • ✓SOC2 Type II: Certified compliance

Integration

  • ✓Single API: All services unified
  • ✓SDKs: JS, Python, Go, Rust, Java
  • ✓Webhooks: Real-time events
  • ✓Drop-in UI: Pre-built components
  • ✓GraphQL: Flexible queries

Switch to Monay in Days, Not Months

Free migration services and dedicated support included

Free Migration Services

  • Dedicated migration team
  • Data transfer assistance
  • Code migration tools
  • Parallel run support
  • Zero downtime switching

Migration Timeline

1
Day 1-3
Assessment and planning
2
Day 4-7
Data migration
3
Day 8-10
Testing and validation
4
Day 11-14
Go live
5
Day 15+
Optimization

Ready to Experience the Monay Difference?

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