About Monetty
We help people and businesses send, receive, and spend across borders with transparent pricing—focused especially on routes into and between Africa, Latin America, Europe, and the USA. Live today; growing carefully with licensed partners and strong compliance.
About Monetty
We help people and businesses send, receive, and spend across borders with transparent pricing. Our focus is on routes into and between Africa, Latin America, Europe, and the USA—where traditional options are often slower, more expensive, or less transparent.
Monetty works with licensed partners, supported by a strong focus on compliance and trusted global infrastructure.
Mission
We want customers to see what they pay before they send, get money where it needs to go faster than a typical bank wire on many routes, and manage international income and spending without guesswork.
Vision
We aim to be the natural choice for cross-border money on the routes global platforms still under-serve—starting with strong flows such as Europe ↔ Brazil, Europe ↔ Nigeria, Latin America ↔ Africa, USA ↔ Brazil, USA ↔ Nigeria, and Latin America ↔ USA.
Our story
Cross-border transfers on many emerging-market routes are still slow, expensive, and hard to read. Monetty was built to fix that for customers—not for a slide deck—with product and engineering leadership from someone who has already delivered payments systems in production.
Monetty was started by a founder who had already spent years shipping payments, digital banking, and compliance systems in production—not slideware. The goal is to bring that rigour to routes where customers still overpay and wait too long. You can read the full founder profile in Leadership below.
Monetty UK Limited is registered in England and Wales. Monetty Fintech LTDA operates in Brazil. Services are delivered with licensed partners where money is settled or paid out. For FCA status, partner licensing, and external advisers, see Trust & regulation below.
Values
Every transfer shows the real exchange rate, the exact fee, and the total cost before confirmation. No hidden markups.
KYC verification, AML monitoring, MLRO oversight, and structured safeguarding across every jurisdiction we operate in.
In supported corridors, transfers can settle in about a minute—far quicker than many bank wires. Timings depend on route and checks; we show estimates up front.
Designed for the corridors global fintechs underserve — connecting individuals and SMEs across emerging markets to the global economy.
Trust & regulation
Monetty's services are provided through regulated partners in applicable jurisdictions.
We work with licensed financial institutions and payment partners in the countries where we operate. Settlement, payouts, and certain regulated services are delivered through partners that hold authorisations or licences as applicable. This helps protect customers without overstating Monetty's own licences.
Monetty UK Limited is registered in England and Wales. It is not currently authorised by the Financial Conduct Authority (FCA). We are pursuing FCA authorisation; the outcome and timing depend on the regulator and are not guaranteed. Nothing on this website is an offer of regulated activity beyond what we are permitted to perform today.
Fintech Compliance UK is an independent UK regulatory consultancy. They advise on our compliance programme and FCA application. They are not Monetty employees, do not run day-to-day operations, and do not endorse our services.
Journey
Key milestones in Monetty's evolution from an early-stage concept to a live cross-border payments platform.
Monetty Fintech Ltda was registered in Brazil. The founding team built the cross-border payments platform end-to-end and established initial infrastructure partnerships.
Launched cross-border transfers across Europe, Brazil, and Africa. Reached 7,200+ registered users with strong monthly engagement, processing approximately $200,000 in monthly transaction volume.
Monetty UK Limited was registered in England and Wales. Initiated the regulatory process with the UK Financial Conduct Authority (FCA).
Continuing work toward UK FCA authorisation (not guaranteed or time-bound). Expanding local infrastructure in Brazil, strengthening partnerships, and improving the customer experience across key corridors.
Leadership
Monetty is led by a core team with deep experience in fintech, payments, and global financial systems, supported by regulatory advisors and licensed partners across key markets.
Founder & CEO
Michael leads Monetty after more than a decade building and operating fintech systems—payments infrastructure, digital banking, and compliance-heavy platforms. His background is in software engineering and computer science; he has shipped products at companies including BairesDev, Repay, Arivo, MyBambu, and Klever, spanning cross-border flows, neo-banking experiences, and regulated money movement. He founded Monetty to bring that depth to corridors where costs and delays are still too high, and to keep pricing and delivery expectations honest for customers.
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Director of Engineering
Marcus Gabriel has spent the past 20 years leading, designing, building, and scaling complex systems, including AI-driven solutions and financial platforms.
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VP of Operations & Non-Executive Director
Professional with 10+ years of experience in financial education, growth initiatives, marketing, and tourism
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Director of Marketing
A leader with 20+ years of experience in fintech and blockchain strategy
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VP of Sales & Non-Executive Director
Sales and engineering leader with over 10 years of experience driving neobanking initiatives across Argentina and Latin America.
Governance & partners
Monetty is supported by independent UK regulatory advisers, including Fintech Compliance UK, as well as licensed financial and payment partners in the markets we serve. These relationships support compliance, settlement, and operational resilience. They are separate from Monetty’s operating team and do not imply regulatory approval of Monetty by third parties.
Open a Monetty account to send international transfers with transparent pricing, fast settlement where our rails support it, and multiple currencies in one place.
Experience seamless money movement with Monetty's transfer services. Whether it's local or cross-border, send and receive funds swiftly and securely. Monetty's advanced network ensures your money gets where it needs to go, bridging distances and connecting you globally with ease.
Receive payments in different currencies, see clear available balances, convert when you need to, fund international transfers, and spend with your card where supported—all from one Monetty account.
Empower your spending with Monetty cards. Whether at home or abroad, enjoy the freedom to spend like a local. With seamless acceptance worldwide, Monetty cards make your money work for you, wherever life takes you. Elevate your financial experience with the flexibility and convenience of Monetty's globally accepted cards.
