Your global payments network in one app.
Add money by direct deposit, linked account, or USDC. Hold digital dollars, send money, and spend with your Monet Visa card.
To apply for a Monet account, you must complete identity verification through our secure KYC process.
Optional services and products may have fees or charges, such as expedited transfers and out-of-network ATM transactions. Learn more here.
Monet is a financial technology company, not a bank. Banking services provided by Lead Bank, Member FDIC. Card services provided by Rain Cards, Inc., pursuant to a license from Visa U.S.A. Inc. Funds are held in USDC, a digital dollar issued by Circle and backed 1:1 by cash and U.S. Treasury reserves. Monet accounts are not bank accounts and are not FDIC insured. USDC is not a deposit and is not insured by the FDIC or any government agency. The value of USDC may fluctuate.
Already have an account? ›Money should move the way people already do.
- → No monthly fees
- → Receive money through direct deposit, ACH, and supported country on-ramps
- → Instant debit transfers from Cash App, PayPal, Venmo, and Revolut
- → Send dollars to banks in supported regions and spend instantly with your Monet Visa
Built for money that moves.
A global payments account for deposits, digital dollars, cards, and self-custody wallets.
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Add money through direct deposit, a linked account, or USDC where available.
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Invite friends to Monet. Eligible referrals earn rewards shown in the app.
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Same-currency movement stays free. Optional services are shown before you confirm.
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Pay anyone by text. They can claim it into Monet, their wallet, or a supported account.
Add to Apple Wallet in seconds.
Your Monet Visa card lives right in Apple Wallet. Tap to pay anywhere — no plastic needed.
Add to Apple Wallet
AI-powered Spending Insights.
Monet reads your last 30 days, spots your subscriptions, watches every category trend month-over-month, and writes you a personalized read of where your money's actually going.
- Subscriptions detected automatically — no setup, no tagging.
- Month-over-month trends flag categories that jumped before they bite.
- Plain-English tips that name real merchants and real numbers — never generic advice.
- Talk to your own AI spending coach — ask it anything about your month and get a straight answer.
AI-generated insights based only on your own spending. Not financial advice.
Security you can count on.
A payments network built around your wallet.
Monet connects bank deposits, USDC, Visa spending, self-custody crypto, and transfers in one account. Add money locally, move it globally, and choose how to send or spend it.
A global payments network.
Add money from a bank account in supported countries. In more countries, add USDC and use self-custody wallets. Pay rent, payroll, or family in the way that fits the destination.
Eligibility is verified at signup. Some destinations can receive money in their own currency; senders fund in USDC. Some destinations may require additional verification.
FAQs
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Monet is a global payments app that connects deposits, USDC, Visa spending, self-custody wallets, and transfers from one account. Funds are held in USDC, a digital dollar issued by Circle and backed 1:1 by cash and U.S. Treasury reserves. USDC is not a bank deposit and is not FDIC insured.
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We believe money should move globally without forcing people through a stack of separate apps. Monet is built to make deposits, wallets, cards, and crypto feel like one network.
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Anyone 18+ in a supported country can apply. Availability, deposit methods, card access, and payout options vary by country. We verify your identity securely during signup — no credit check required.
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Monet earns from card-program economics, optional paid services, and conversion costs when money changes currency. Dollar-to-dollar transfers have no Monet fee, and optional costs are shown before you confirm.
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When you invite someone to Monet, eligible rewards are funded by Monet and may vary by campaign. The app shows the current reward terms before you share.
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No monthly fees, no minimum balance fees. Certain optional features like expedited transfers may have a small fee. We'll always be upfront about it.
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Banking services provided by Lead Bank, Member FDIC. Your funds are held in USDC, a digital dollar issued by Circle and backed 1:1 by cash and U.S. Treasury reserves held at regulated financial institutions. Monet accounts are not bank accounts. USDC is not a deposit and is not insured by the FDIC or any government agency. While USDC reserves are managed by BlackRock and independently audited, there is no government guarantee of the value of USDC. Your Monet Visa® Card is backed by Visa's Zero Liability Policy, and you can freeze your card instantly in the app.
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We're in beta on iOS. Download through TestFlight to get access.