About Monetty

Money across borders, without the guesswork

One platform to send, convert, and receive in multiple currencies—built for corridors into Africa, Latin America, Europe, and the US.

What we do

A global account for real-world transfers

See rates and fees before you send. Move money on rails built for emerging-market corridors—not only US–EU.

  • Multi-currency balances and transparent FX
  • Fast settlement where our partners support it
  • Licensed partners where money settles locally

Product

How Monetty works

Send → convert → receive in the app.

1

Send

Pick corridor, amount, and payout—pricing upfront.

2

Convert

Swap between currencies when it suits you.

3

Receive

Local rails and account details where supported.

Coverage

Global corridors

Built for flows that are often slow or expensive elsewhere.

Europe ↔ Brazil
Europe ↔ Nigeria
USA ↔ Brazil
USA ↔ Nigeria
Latin America ↔ Africa & USA

Our story

Why Monetty exists

Built in production, not slideware

We've shipped payments and compliance systems in production for years—long before Monetty. Not pitch decks. That same rigour powers the product customers rely on today.

Global from day one

Monetty operates across the UK and Brazil, expanding into the US and key emerging markets. We work with licensed partners to move money reliably across borders—where traditional systems still fall short.

Values

What we stand for

Transparency

Rate, fee, and total before you confirm—no hidden FX games.

Compliance

KYC, AML, and MLRO oversight in every market we operate in.

Speed

Near-instant settlement on many routes—estimates shown up front.

Inclusion

Corridors global products still under-serve—people and SMEs first.

Trust & regulation

How we operate

Services are delivered with licensed partners where money settles. UK entity; FCA pathway in progress.

UK entity Monetty UK Ltd
Brazil operations Local infrastructure
Licensed partners Settlement & payouts
FCA pathway Application in progress

Licensed partners

Settlement and payouts go through partners with authorisations where required. We don’t claim licences we don’t hold.

UK & FCA

Monetty UK Limited is not yet FCA-authorised. We are pursuing authorisation; timing and outcome are not guaranteed.

Advisory

Fintech Compliance UK advises on our compliance programme. They are independent—not Monetty staff—and do not endorse our services.

Journey

Momentum so far

2024
Foundation

Company founded; platform and partner stack built end-to-end in Brazil.

2025
Live corridors & UK entity

Europe, Brazil, and Africa corridors live. Monetty UK Limited registered; FCA process under way (outcome not guaranteed).

2026
Scale & compliance

Deeper Brazil infrastructure, stronger partnerships, better UX on core routes.

2026
US incorporation and expansion

Monetty Inc was incorporated in Delaware, United States, marking a key step in Monetty's global expansion and positioning the company for growth in the US market.

Leadership

People behind the product

Operators, builders, and advisors focused on shipping—not slides.

Michael James

Michael James

Founder & CEO

Michael is the Founder & CEO of Monetty, a fintech platform focused on making cross-border money movement faster, clearer, and more accessible—especially across emerging markets.

With over a decade of experience in fintech and software engineering, he has built and operated payment infrastructure, digital banking systems, and compliance-driven platforms across multiple jurisdictions. His work spans cross-border payments, neo-banking, and regulated financial systems, giving him a deep understanding of both the technical and regulatory layers required to move money globally.

Before founding Monetty, Michael contributed to the development and scaling of financial products at companies including BairesDev, Repay, Arivo Acceptance, MyBambu, and Klever, working across international payment flows and financial integrations.

He founded Monetty to address a clear gap: cross-border transfers are still too slow, too expensive, and too opaque—particularly in high-growth corridors. His focus is on building infrastructure that delivers real-time settlement, transparent pricing, and reliable access to global financial services.
View Michael James on LinkedIn
Marcus Gabriel

Marcus Gabriel

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.
View Marcus Gabriel on LinkedIn
Fernanda Garcia

Fernanda Garcia

Head of Growth & Operations (Brazil)

Fernanda leads Growth and Operations for Monetty in Brazil, playing a key role in expanding the company's presence in one of its core markets.

She is responsible for driving user acquisition, managing local marketing initiatives, and supporting operational execution across the region. Her work connects strategy with execution—ensuring campaigns, partnerships, and internal processes translate into measurable growth.

With a background in marketing operations and a strong focus on organization, communication, and execution, Fernanda helps ensure Monetty moves quickly while maintaining structure and consistency as it scales.

At Monetty, she is focused on building strong local traction, supporting cross-border growth, and strengthening the company's position in Brazil.
View Fernanda Garcia on LinkedIn
James Beulah

James Beulah

Director of Marketing

James is Marketing Director at Monetty, where he leads global growth strategy, brand positioning, and market expansion across key regions.

He brings a diverse background spanning digital marketing, community building, and operational leadership, with experience across fintech, blockchain ecosystems, and emerging markets. His work focuses on driving user acquisition, building engaged communities, and positioning products for real-world adoption.

Prior to Monetty, James held leadership roles across multiple organizations, including serving as Director at Real AI Technologies and Chief Marketing Officer at Omobile Multimedia. He has led marketing and growth initiatives across Africa, Europe, and global digital ecosystems, combining strategic planning with hands-on execution.

At Monetty, James is focused on expanding global reach, strengthening brand trust, and driving adoption of fast, transparent cross-border financial solutions.
View James Beulah on LinkedIn
Ruben Dario

Ruben Dario

Head of Sales, LATAM

Ruben leads Sales for Monetty across LATAM, where he is responsible for driving revenue growth, building pipeline, and expanding the company's presence in key regional markets.

With a background in sales, marketing, and customer engagement, he specializes in outbound strategy, lead generation, and closing high-value opportunities. His experience includes working with international clients—particularly in the U.S. market—managing prospecting, appointment setting, and client communication in both English and Spanish.

Ruben brings a strong execution mindset, combining structured pipeline development with persuasive communication and relationship-building. At Monetty, he plays a key role in converting demand into growth—helping expand adoption of fast, transparent cross-border financial services across LATAM.

Governance & partners

Compliance, advisory, and settlement support

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.

Ready to move money across borders?

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Send, receive, and manage multiple currencies in one place. Move money in seconds — not days. No hidden fees.