Monet: Cross Border Transfer

Load dollars with Apple Pay, send to 120+ countries on local rails, and trade on-chain — including brand-new token launches — all from one balance.

Monet is a cross-border money account and a self-custody crypto wallet in one app. Load dollars with Apple Pay, send them to 120+ countries on local rails, and hold or trade on-chain — no exchange account, no seed phrases to babysit, no bridging.

LOAD DOLLARS INSTANTLY WITH APPLE PAY Top up your balance with Apple Pay in seconds. Those same dollars are instantly ready to send across borders or to trade on-chain — one balance, both jobs. No wires, no waiting days for a transfer to clear.

CROSS-BORDER TRANSFERS ON LOCAL RAILS Send money to 120+ countries using the rails people actually use at home: ACH, SEPA, Pix, SPEI, Faster Payments, and Bre-B. Live mid-market exchange rates, a flat 1% fee with no hidden spread, and money that usually arrives within 30 minutes.

CRYPTO STRAIGHT TO A BANK ACCOUNT Two Monet users can send each other money as easily as a text — no bank details, no wallet addresses, nothing to share. Your USDC converts automatically and lands as real dollars (or their local currency) in the recipient's bank account over local rails, usually within 30 minutes.

AN ON-CHAIN WALLET YOU CONTROL Your money settles as USDC on Solana in a wallet you own. Move freely between Bitcoin, Ethereum, and Solana, and swap into staked assets to earn on-chain — all without leaving the app.

TRADE ON-CHAIN TOKENS, INCLUDING BRAND-NEW LAUNCHES Discover tokens the moment they launch on pons.family and buy them with Apple Pay in a single tap — no wallet setup, no bridging. Trade Robinhood-Chain and Solana tokens straight from your balance.

SEND MONEY RIGHT INSIDE TELEGRAM Pay anyone in your Telegram chats. No app-switching, no wallet addresses to copy and paste — money moves where your conversations already happen.

BUILT ON TRUSTED, REGULATED INFRASTRUCTURE We don't reinvent banking or custody. We partner with licensed, battle-tested providers and orchestrate them for you so your money always moves through regulated rails: • Stripe powers Apple Pay funding — the same payments infrastructure trusted by millions of businesses worldwide. • Bridge handles identity verification and issues your local-currency virtual bank accounts. Bridge is a Stripe company, acquired by Stripe for $1.1 billion. • TransFi powers local-currency payouts across emerging-market corridors. By outsourcing every regulated step to specialists who do it at massive scale, you get bank-grade rails without trusting a startup's homegrown plumbing.

YOUR DATA STAYS YOURS — STATELESS KYC When you verify your identity, your documents and sensitive details go straight to our licensed verification partner. They are never stored on Monet's servers. We keep only a provider reference — nothing sensitive. Less data in our hands means far less that could ever be exposed.

WHY IT'S BETTER FOR YOU • One balance for sending abroad and trading on-chain • Fund instantly with Apple Pay — no wire, no multi-day wait • Real local rails and an honest 1% FX fee, not a buried spread • Self-custody: your keys, your coins • Your ID documents never touch our servers

Banking services provided by Lead Bank, Member FDIC. Funds are held in USDC, a digital dollar backed 1:1 by cash and US Treasury reserves. Monet accounts are not bank accounts and are not FDIC insured. Digital assets are volatile and are not insured.