Monay

Monay enables enterprises to run billing, collections, payouts, and treasury on unified fiat and stablecoin rails with key uses including: identity-bound invoicing, bill pay, and request-to-pay for utilities, telecom, insurance, and subscription businesses. With Monay, companies can cut card fees, accelerate settlement, automate reminders, and offer partial payments and plans. AP teams use Monay for instant supplier payouts, vendor settlements, cross-border transfers, and multi-sig treasury moves. Customer disbursements - refunds, rebates, incentives, credits, and insurance claims - settle instantly. Virtual and physical enterprise cards support controlled employee, contractor, and dealer spending. And a unified ledger removes reconciliation gaps and gives real-time visibility across all payment rails.

Monay supports government agencies with GENIUS-ready identity, wallets, and programmable funding rules. With Monay, agencies can distribute education savings funds, benefits, housing assistance, and relief payments with eligibility-based spend controls while instant payouts reduce administrative burden and fraud. Monay also enables digital tax payments, DMV fees, court fees, and permit payments through identity-bound invoices over stablecoin or traditional rails. Built-in compliance, multi-rail routing, and real-time reporting make Monay suitable for regulated government programs requiring transparency, auditability, and controlled use of funds.

Consumers can use Monay for bill payments, checkout, subscriptions, and P2P transfers via stablecoins, ACH, or card with one-tap links and identity-bound payments reducing friction and fraud. With Monay, users receive instant refunds, rebates, incentives, and payouts from enterprises or government programs. Monay's consumer wallet supports NFC card payments, cash-out to bank, and optional yield features while spend-control wallets allow parent-child, prepaid, or category-restricted spending for programs or families. Users can also store multiple currencies, make cross-chain or cross-border payments, and manage funds in a single, regulated, enterprise-grade wallet.

Developers use Monay’s APIs to embed invoices, payments, payouts, wallets, and card issuance into their own platforms. API capabilities include mint/redeem flows, KYC/KYB, wallet creation, rules-based payment logic, on/off-ramp conversions, virtual cards, treasury transfers, and programmable spend. Platforms can enable embedded finance, merchant billing, supplier payouts, creator payouts, or partner settlements. ISVs, fintechs, and SaaS providers can integrate stablecoin rails without managing custody, compliance, or settlement, leveraging Monay’s unified ledger, identity layer, and multi-rail orchestration.