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.

Monet app
Privacy Policy ›

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? ›

Send money globally with Monet.

Looking for a money movement app built for dollars, USDC, bank rails, and cards? Add money in supported countries, send it where it needs to go, and spend from the same account.

  • Low-cost transfers abroadSee available rails, timing, and fees before you confirm.
  • Track global routesMove through ACH, Faster Payments, SPEI, Pix, SEPA, or USDC where supported.
  • Real-time notificationsKnow when bank transfers start, settle, fail, or when your card is used.
  • Download MonetOne app for deposits, digital dollars, transfers, wallets, and your Monet Visa card.

Eligibility is verified at signup. Some destinations can receive money in their own currency; senders fund in USDC. Some destinations may require additional verification.

Add money with a linked account or direct deposit
🇺🇸
United StatesACH · Wire
🇬🇧
United KingdomFaster Payments
🇲🇽
MexicoSPEI
🇧🇷
BrazilPix
🇨🇴
ColombiaBre-B
🇪🇺
EurozoneSEPA · 28 countries
Onboard via USDC deposit
🇨🇦Canada 🇦🇷Argentina 🇨🇱Chile 🇵🇪Peru 🇺🇾Uruguay 🇵🇾Paraguay 🇵🇦Panama 🇨🇷Costa Rica 🇬🇹Guatemala 🇪🇨Ecuador 🇧🇴Bolivia 🇩🇴Dom. Republic 🇯🇵Japan 🇰🇷South Korea 🇸🇬Singapore 🇹🇼Taiwan 🇵🇭Philippines 🇹🇭Thailand 🇲🇾Malaysia 🇮🇩Indonesia 🇦🇺Australia 🇳🇿New Zealand 🇦🇪UAE 🇸🇦Saudi Arabia 🇰🇼Kuwait 🇧🇭Bahrain 🇴🇲Oman 🇯🇴Jordan 🇪🇬Egypt 🇬🇭Ghana 🇿🇦South Africa 🇯🇲Jamaica

How global transfers work.

Step 1

Start your transfer.

Enter the amount to send in USD or USDC. Fund from your Monet balance, a linked account, or your wallet where available.

Step 2

Choose your recipient.

Select who gets the money and which payout route to use: bank rails, local account details, or USDC depending on the destination.

Step 3

Money is locally delivered.

Send dollars or USDC. The recipient gets local currency through supported rails like ACH, Faster Payments, SEPA, SPEI, Pix, or Bre-B.

Delivery speed depends on the funding source, recipient country, bank cutoffs, and compliance checks. USDC can settle quickly on-chain; local payout rails determine final bank delivery.

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

Run payroll without a bank.

Invite your team with a join code and everyone joins right in the app — no bank, no separate payroll tool.

  • Share a join code — the whole team clocks in and out in seconds.
  • Review timesheets and pay from one screen.

Timesheets in a tap.

Your team clocks in and out, takes lunch and breaks, and you approve — Monet does the math.

  • Lunch, breaks, edits, and approvals, all in the app.
  • Snap a receipt and Monet reads it, then reimburses expenses the same way.

Everyone paid in seconds.

Approve and the whole team is paid straight to their Monet balance — network fees on us.

  • Pay the whole team at once, no bank required.
  • Onboard your team with your referral code and earn a cut of every dollar they spend and send — for as long as they're on Monet.
Monet team setup Monet clock in and out Monet run payroll
Tap to switch

Built for money that moves.

A global payments account for deposits, digital dollars, cards, and self-custody wallets.

  • Direct deposit Add money through direct deposit, a linked account, or USDC where available.
  • Referral rewards Invite friends with your code and earn a cut of what they spend and send — for as long as they're on Monet.
Monet app screen
  • Transfer fees Preview conversion quotes, timing, and fees before you confirm.
  • Send by text 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
Monet card in Apple Wallet

Buy Bitcoin on Monet.

Your Bitcoin wallet is already built into Monet — no setup, no separate app. It's a self-custody wallet on Base, so the BTC is yours alone.

  • Buy from your balance or with Apple Pay — settles to your wallet in seconds.
  • Sell back to USD anytime, straight into your spending balance.
  • Withdraw to any external wallet. The keys are yours — no one can freeze or move it.

Bitcoin custody on Base via cbBTC. Crypto is volatile and not FDIC‑insured.

Buy Ethereum on Monet.

Your Ethereum wallet is already built into Monet — no setup, no separate app. It's a self-custody wallet on Base, so the ETH is yours alone.

  • Buy with Apple Pay — gas is sponsored, so you don't need ETH on hand for fees.
  • Sell back to USD anytime, straight into your spending balance.
  • Stake for ~3% APY — we swap your ETH for wstETH on Base automatically.

Ethereum custody on Base. Staking via wstETH. Crypto is volatile and not FDIC‑insured.

Buy Solana on Monet.

Your Solana wallet is already built into Monet — no setup, no separate app. It's a self-custody wallet, so the SOL is yours alone.

  • Buy with Apple Pay — settles to your wallet in seconds, sub-penny network fees.
  • Sell back to USD anytime, straight into your spending balance.
  • Stake for ~7% APY — we swap your SOL for JitoSOL automatically.

Solana mainnet wallet. Staking via JitoSOL. Crypto is volatile and not FDIC‑insured.

Buy Monero on Monet.

Trade XMR inside Monet, track the chart, and transfer out to your own Monero wallet when you want custody outside the app.

  • Buy and sell XMR from the same place you manage Bitcoin, Ethereum, and Solana.
  • Transfer XMR to an external Monero wallet any time.
  • No separate exchange app needed for the basic buy, sell, and transfer flow.

In-app XMR is supported through Monet's hosted Monero system. External withdrawal is available. Crypto is volatile and not FDIC‑insured.

Buy Solana memecoins on Monet.

Search Pump.fun and Solana tokens, buy or sell from your Solana wallet, and transfer tokens out when you're ready.

  • Search by token name, symbol, or Solana CA.
  • Buy and sell Pump.fun tokens from the in-app token screen.
  • Transfer tokens out through the Solana wallet flow.

Pump.fun and Solana token trading is high risk. Availability may vary. Crypto is volatile and not FDIC‑insured.

Monet Bitcoin wallet Monet Ethereum wallet Monet Solana wallet Monet Monero wallet Monet Solana memecoin trading
Tap to switch

Purchase your favorite assets.

Move freely between Bitcoin, Ethereum, and Solana — all from one Monet wallet, no exchange needed.

Earn staking rewards on your digital assets.

Put your Ethereum and Solana to work — earn rewards straight to your wallet, no extra steps.

Sell back to USD, anytime.

Sell your digital assets into your Monet balance in seconds. Spend it on your card or transfer it out.

Monet swap between assets Monet swap into staked assets Monet sell crypto back to USD
Tap to switch

Telegram, inside Monet.

Your real Telegram — chats, groups, and unread counts — living right next to your money. Sign in with your own account; no new network to build.

  • Your existing chats and groups, synced from your Telegram account.
  • Native iOS design that matches the rest of Monet.
  • Switch between chatting and paying without leaving the app.

Sign-in with your own Telegram account. Telegram is a trademark of Telegram FZ‑LLC.

Get paid in chat.

Drop a payment request or your Monet invite link into any conversation — friends tap it and pay you, right from the thread.

  • Request a payment with an amount baked into the link.
  • Share your invite link and earn referral rewards.
  • Send photos and media like any Telegram app.

Payment links open Monet's pay flow for the recipient.

Find anyone.

Search your chats, your groups, and any public Telegram user or community — all from one search bar.

  • Search by name or @username.
  • Public groups and channels included.
  • Open a conversation straight from the results.

Chat like Telegram. Pay like Monet.

Real conversations with the people you already talk to — and money one tap away when the group chat decides it's time to split the bill.

  • Full message history, media, and stickers.
  • Tap a Solana token address in chat to open it in Monet.
  • Payment requests and invite links, inline.

Start a group.

Create groups, add or remove members, and manage the conversation without leaving Monet.

  • New groups with a member picker, in a couple of taps.
  • Add and remove members from chat info.
  • Mute notifications per conversation.

Telegram chat list inside Monet Payment request quick actions in a Monet Telegram chat Telegram search inside Monet A Telegram conversation inside Monet Creating a Telegram group inside Monet
Tap to switch

Trade perps from your wallet.

Hyperliquid perpetuals on BTC, ETH, and SOL — funded straight from your Monet balance. No exchange transfer, no separate account.

Perpetual trading via Hyperliquid. Derivatives carry risk including total loss of margin. Availability may be restricted in some regions.

Long BTC up to 40x.

Set your size, leverage, and bracket — take-profit and stop-loss are armed before the order fires. One swipe to enter the trade.

Leverage amplifies losses as well as gains. Use bracket orders to manage downside.

Short SOL in one slide.

Live mark price, your margin, your size — slide to short. No order book to wrestle with, just enter and exit.

Shorting requires sufficient margin. Liquidations occur if price moves against you.

Hyperliquid perps account funded from Monet balance Open a long BTC position with leverage and bracket orders Short SOL with one slide
Tap to switch

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.

Monet AI Spending Insights

Security you can count on.

    Monet sends you an instant push notification every time your card is used. Turn on daily summaries so you always know exactly what's happening with your money.
    We support two-factor authentication, biometric login, and fingerprint authentication to keep your account secure.
    Your Monet Visa® Card is backed by Visa's Zero Liability Policy.10 You're covered if your card is lost, stolen, or fraudulently used.
Monet security

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.

Monet sign up

FAQs

  • 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.
  • 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.
  • 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.
  • 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.
  • You earn 20% of Monet's fee on the people you invite — both when they make a purchase on their Monet Visa (Monet earns a share of the card fee) and when they send money (Monet's transfer fee). It keeps paying for as long as they use Monet, and your friend never pays extra.
  • 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.
  • 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.
  • We're available on iOS. Download Monet to get access.

Popular Features

Global Payments Pay Rent Pay Anyone by Text Local Deposits Monet Card

Resources

Help Center Trust & Safety Privacy Policy Terms of Service Security

Contact

[email protected] @MonetFamily

Monet is a financial technology company, not a bank. Banking services are provided by Lead Bank, Member FDIC. Card services are 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. USDC is not a deposit and is not insured by the Federal Deposit Insurance Corporation (FDIC) or any government agency. The value of USDC is not guaranteed by any government. There is no government guarantee that USDC can be exchanged for U.S. dollars on a 1:1 basis.

The Monet Visa® Card may be used everywhere Visa is accepted. The Monet Spending Account does not earn interest.

1 Referral rewards are funded by Monet and may vary by campaign. Terms apply. 2 Early direct deposit availability depends on timing of payer's submission of payment. Monet does not guarantee early availability. 3 $25 welcome bonus is subject to qualifying direct deposit. Terms apply. 4 No monthly fees applies to standard Monet accounts. Optional services and products may have fees. 5 No Monet fee on qualifying dollar-to-dollar in-app payments.

© 2026 Monet Holdings, Inc. All rights reserved.  ·  Privacy Policy