Choose the person
Search their Monet username. Their eligible delivery route is resolved behind the name, so you do not need their bank credentials.
Username transfers
Pay a username. Money lands where they bank.
Choose a Monet username instead of copying account numbers. Monet resolves the supported bank or wallet behind it, then shows the expected delivered amount before you send. Instant RTP delivery is coming to eligible U.S. bank transfers.
Username resolvedRight to their account
Who you payA Monet username
Before you sendDelivered amount shown
After confirmationStatus you can follow
Three clear steps
From their username to their account.
The routing can be complex underneath. Your job stays simple: choose, review, send.
See the result first
Review the rate, fees, recipient amount, and estimated delivery time before confirming.
Follow it to delivery
See when the transfer starts, settles, needs attention, or cannot be completed.
Transparent quote
The amount at the other end is not a surprise.
Monet separates the rate and fees so you can decide based on the outcome, not a marketing promise.
You sendYour chosen amount
They receiveShown before confirm
Rate shown
The conversion rate appears in the quote you review.
Fees itemized
Monet and partner or rail fees are shown before you approve the transfer.
No silent reroute
If something material changes, the transfer needs a new decision instead of hiding the difference.
Coming next
Instant transfers to eligible U.S. banks.
We are bringing real-time payments to username sends. When the recipient’s bank is eligible, money can arrive in seconds—including nights, weekends, and holidays.
Seconds, not business days
Eligible transfers will use the RTP network instead of waiting for the next bank-processing window.
Always-on delivery
RTP is designed to operate around the clock, including weekends and holidays.
Automatic fallback
If the bank is not eligible for instant delivery, Monet can use the supported standard route instead.
Username abstraction
You pay a person. Monet resolves the route.
A username is the human-readable layer. The eligible bank or wallet route stays behind it, so senders do not pass sensitive account numbers back and forth.
Where supported, underlying bank details are handled by the regulated infrastructure partner responsible for that connection. Monet works with the token or reference needed to initiate the transfer.
Verification, limits, and review can vary by recipient, amount, corridor, and partner requirements. The app shows what is available before you proceed.