The username is the bank account.
Send money to a Monet user by username and it lands in their bank account automatically. Venmo’s simplicity. Zelle’s settlement. On rails that reach 120+ countries.
Send to a name
Type a username, enter an amount, hit send. No wallet addresses to decode, no account numbers to copy. It feels like sending a text.
It arrives as cash
The money lands in the recipient’s linked bank account as ordinary dollars, same-day. They see “funds available” — not a token to figure out how to cash.
Monet never sees your bank
Your account and routing numbers go straight to Bridge, our regulated banking partner. Monet only holds a meaningless token — there’s nothing sensitive on our side to lose.
How a transfer works
One tap on the sender’s side. Underneath, Monet moves value on the fastest rail available and settles it as dollars in the recipient’s bank — without either person thinking about crypto.
Your bank details, tokenized
When you link a bank account, those details — account number, routing number — are never stored by Monet. They go directly to Bridge, our regulated banking-infrastructure partner, which holds them under bank-grade security and hands Monet back one thing: a token.
That token is a meaningless reference. It isn’t your account number, and it can’t be reversed into it. Monet uses it to instruct a payout — “send funds to the account behind token X” — but never holds, sees, or stores the underlying credentials. Even in the worst case, there is nothing sensitive on our side to lose.
Why this is different
Identity is a username, not an address
You pay a person, not a 44-character wallet string. The address is derived and hidden. Social identity replaces cryptographic identity.
The endpoints are dollars
Money comes in as dollars and goes out to a bank as dollars. Crypto only exists in the middle, invisibly — your mental model never leaves USD.
The offramp is the default, not a chore
Once a recipient’s bank is linked, incoming transfers can land in their bank automatically. No manual “cash out,” no exchange, no withdrawal wait. It’s just how a transfer behaves.