Monet - Cross Border Transfer

Monet is a fee-free money account built for people who move money across borders.

Get paid with direct deposit, hold a dollar balance, send to supported local bank rails, and convert before you add a recipient. Monet shows live quotes and simple transfer details so you know exactly what is being sent before you confirm.

What you can do with Monet:
- Get paid with direct deposit
- Send money to supported countries and bank rails
- Pay anyone by text or invite link
- Schedule transfers to send automatically — one-time or on a repeating date
- Track transfers and account details in one app

Smart Route — Monet's proprietary routing engine:
- Smart Route is our own technology for cross-border payouts: it evaluates every available rail for your destination country and currency in real time and routes your money through the best-priced path
- You see the live rate, the fee, and the amount that lands before you confirm — no guessing, no hidden markup
- One send, best execution — Smart Route does the comparison so you don't have to

Payroll and payouts, built in:
- Pay a team or a list of recipients in one batch instead of one transfer at a time
- Import recipients from a spreadsheet, review each amount, and send the whole run at once
- Every payout runs through Smart Route to the best available rail for its destination

Timekeeping for teams:
- Workers clock in and out from their phone
- Approve hours as an admin, then turn approved time straight into a payout run
- Keep hours, approvals, and payments in one place instead of stitching together separate tools

Self-custodied, on-chain access:
- Swap between crypto assets on Solana with deep, aggregated liquidity and transparent, real-time pricing
- Trade perpetual futures on Hyperliquid — take long or short positions on major assets directly from your wallet
- Stake supported assets to put idle balances to work
- Your keys, your crypto: Monet is a non-custodial interface to established third-party protocols, not an exchange or broker

Monet is a financial technology company, not a bank. Funds are held in USDC and are not FDIC-insured. Digital assets are not legal tender and may lose value. Trading crypto assets and perpetual futures involves significant risk, including possible loss of your entire position. Availability, transfer rails, timing, and features vary by country, eligibility, and partner review.