The world's fintech orchestrator.
One relationship. Multiple providers. Global financial infrastructure.
MONACO connects banks, payment rails, FX, liquidity and stablecoins through a single infrastructure layer, so fintechs and businesses can hold, move, convert and manage money globally.
The problem
Financial infrastructure is fragmented.
Operating globally still requires multiple banks, PSPs, FX providers, stablecoin platforms, contracts, integrations and compliance processes. MONACO orchestrates them into one infrastructure layer.
How MONACO works
One infrastructure. Multiple providers.
MONACO dynamically coordinates the financial infrastructure required for each transaction, market and use case. The rail is invisible to the client.
One relationship
Access multiple banks, rails and liquidity providers through a single commercial relationship with MONACO.
One onboarding
Onboard once. Avoid duplicating KYB, documentation and compliance across every underlying provider.
One API
Connect once and access accounts, pay-ins, pay-outs, FX, SWIFT and stablecoin rails.
One ledger
Unified reporting and reconciliation across every provider and currency.
Smart orchestration
Transactions routed by availability, cost, speed, risk and compliance. AI-supported routing, compliance and treasury operations.
Infrastructure that learns how money moves.
Better AI routing
MONACO increasingly selects the best available route for each transaction, weighing availability, cost, speed, risk and compliance across every provider.
AI automated onboarding
An intelligent onboarding system that reads documentation, prepares KYB and structures your flows, so a new client goes live in days instead of weeks.
Infrastructure
One infrastructure. Four capabilities.
Products are a consequence of the orchestration layer, not separate companies stitched together.
01Global Accounts
Hold. Collect. Move.
Hold and receive money through accounts and virtual accounts across key markets, via regulated partner infrastructure.
02Global Payments
One integration. Multiple payment rails.
Move money through the most appropriate global or local rail. MONACO selects and coordinates the rail by destination, currency, speed and economics.
03FX + Stablecoins
Fiat and stablecoins. One liquidity layer.
Convert between currencies and rails without fragmenting your treasury. Stablecoins are a rail, not the product. Enter in USD, land in BRL.
04Treasury Orchestration
Infrastructure that decides how money moves.
The brain of MONACO: coordinating providers and rails with AI-supported routing, compliance and treasury operations.
Solutions
Built for the companies that move money.
Five client profiles, one orchestration layer.
You own the customer experience. MONACO orchestrates the infrastructure underneath.
Company
Building the orchestration layer for global finance.
MONACO was founded in Miami by financial technology operators with experience building and operating cross-border payment infrastructure across the Americas and global markets.
Companies and fintechs should not need dozens of providers, integrations and operational teams simply to move money globally. MONACO coordinates that infrastructure through one relationship and one technology layer.
Our team
Next step