🎉 NEW: Request-to-Pay v2.0 is now live! 17 payment types with blockchain escrow.Learn More →

Coin-as-a-Service & Wallet-as-a-Service

Monay Wallet is a branded, white-label stablecoin and digital wallet platform designed for banks, fintech, and government agencies. Multi-stablecoin support (USDC, USDT, PYUSD) with Request-to-Pay blockchain escrow and fiat on/off-ramp.

Start Pilot Coin

USDM Stablecoin

Native stablecoin with cross-chain interoperability

Virtual Cards

Visa/Mastercard/Amex POS NFC support

Cardless ATM

AllPoint network cash withdrawals

White-Label Financial Infrastructure

Enable banks, fintech, and government agencies to quickly deploy branded stablecoins and wallets without building new infrastructure from scratch.

Stablecoin-as-a-Service

Issue branded stablecoins (USDM) with native support on Monay Wallet, integrated with global settlement networks.

Wallet-as-a-Service

Deploy branded digital wallets with seamless integration to multiple stablecoin rails and fiat on-ramps.

Business Rule Framework

Low-code engine for KYC, verification, fraud prevention, and compliance across all payment flows.

Advanced Platform Capabilities

Orchestrate multiple stablecoin rails with advanced compliance, POS integration, and comprehensive payment solutions.

Multi-Rail Orchestration

Seamlessly bridge, settle, and manage compliance across USDC, USDT, USDP, and other major stablecoins while serving both participating and non-participating acquirers.

  • Cross-chain stablecoin interoperability
  • Global settlement network integration
  • Advanced compliance and program controls

Payment Infrastructure

Visa/Mastercard/Amex POS
ApplePay & GooglePay
Invoice-linked B2B/B2C

Business Rule Framework (BRF)

Low-code engine for intelligent eligibility, KYC/KYB, spend controls, fraud prevention, and compliance.

  • • Government disbursement programs (ESA, FEMA, IRS, EIP)
  • • Cross-border settlement and compliance
  • • Enterprise spend controls and fraud prevention
  • • P2P flow management and monitoring

On/Off-Ramps & Custody

Seamless integrations with leading platforms for fiat conversion and secure custody.

  • • Circle, Tether, Paxos, PayPal integration
  • • Fireblocks, Anchorage, Fidelity custody
  • • Coinbase, BitGo, Zero Hash support
  • • FX engine for cross-currency conversions

Trusted Partners & Integrations

Built on proven infrastructure with leading payment networks, stablecoin issuers, and custody providers.

V/M/A

Payment Networks

Visa, Mastercard, American Express

AP

ATM Network

AllPoint Network

SC

Stablecoins

USDC, USDT, USDP

CD

Custody

Fireblocks, Anchorage, Fidelity

Government & Enterprise Use Cases

Education & Savings

ESA programs, custodial accounts, controlled spend

Government Programs

FEMA, IRS, military stipends, federal disbursements

B2B & Cross-Border

Invoice settlement, FX conversions, compliance

Live & Operational - October 2025

Request-to-Pay v2.0

Blockchain-backed payment requests with escrow. 17 specialized request types for invoices, subscriptions, donations, and more.

17 Request Types

  • • Invoice & Bill Split
  • • Subscription & Recurring
  • • Donation & Tips
  • • Event Tickets & Services
  • • Rent, Utilities, Insurance
  • • Payroll & Loan Repayment

Escrow Protection

  • • Smart contract escrow
  • • Blockchain verification
  • • Automated settlements
  • • Dispute resolution
  • • Payment guarantees

Payment Links

  • • Shareable payment URLs
  • • QR code generation
  • • Mobile wallet integration
  • • Real-time status tracking
  • • Multi-currency support

Powered by MonayPay Blockchain

Network Specifications

  • Platform: Hyperledger Besu 24.12.0
  • Consensus: QBFT (5 validators)
  • Chain ID: 42424
  • Block Time: ~1 second
  • TPS: 10,000+ transactions/second

Smart Contracts

  • RequestFactory: 0xa50a...8e77
  • Solidity: v0.8.20
  • Status: Audited & Deployed
  • Features: Escrow, Multi-sig, Events
  • Network: Private permissioned
Request API Access

Pilot Coin Program: Coin-as-a-Service

Join our exclusive pilot program to build and deploy your branded stablecoin with full KYC/KYB compliance and business rule framework on EVM L2.

1

KYC/KYB Onboarding

  • Business verification & compliance
  • Regulatory framework setup
  • Risk assessment & scoring
2

Business Rules Engine

  • Custom compliance rules
  • Transaction limits & controls
  • Multi-signature requirements
3

L2 Deployment

  • Base or Polygon zkEVM setup
  • ERC-3643 token deployment
  • Onramp infrastructure

Technical Architecture

MonayPay Blockchain

LIVE

Request-to-Pay v2.0 Production

  • • Hyperledger Besu 24.12.0
  • • QBFT Consensus (5 nodes)
  • • Chain ID: 42424
  • • Block Time: ~1 second
  • • TPS: 10,000+

Enterprise Rail

TESTNET

Stablecoin Issuance & Compliance

  • • Base EVM L2 (Sepolia)
  • • ERC-3643 Tokens
  • • Multi-signature wallets
  • • Institutional features
  • • Treasury management

Consumer Rail

DEVNET

Fast Payments & Transactions

  • • Solana (Devnet)
  • • Token-2022 Extensions
  • • Sub-second finality
  • • Low transaction costs
  • • Mobile wallet support

Compliance & Security

  • • Automated KYC/KYB verification
  • • Business Rule Framework (BRF)
  • • Real-time transaction monitoring
  • • Regulatory reporting & audit trails
  • • Risk management & fraud detection

Stablecoin Support

  • • USDC, USDT, PYUSD, USDM
  • • Fiat USD on/off-ramp
  • • Multi-currency wallets
  • • Cross-chain interoperability
  • • Instant settlements

Pilot Coin Program Application

Enter 10-digit US number (e.g., 3016821633). +1 prefix will be added automatically.

Ready to Transform Your Financial Infrastructure?

Join banks, fintech, and government agencies already using Monay to power their stablecoin and wallet programs.

Contact Us

Ready to get started? Contact our team to discuss your specific needs.