Services

One operator. Every rail you need.

MONACO operates the rails most institutions stitch together from five providers, accounts, settlement, FX, treasury and reporting, under one executive.

Explore the services How it works →

Bank Account 2.0

Operate like a global clearing institution, from one wallet.

A single operating layer that holds your accounts, your settlement rights and your treasury, accessible by dashboard or API.

Virtual Accounts

USD · EUR · GBP

Multi-bank USD FBO accounts at US Tier-1 institutions

USD, EUR & GBP virtual accounts across 6 banks for redundancy

Local rails: Fedwire, SEPA, SEPA Instant, FPS and SWIFT

Same-name structures opened in your entity's name

Settlement

POBO · SWIFT · CHATS

Named POBO SWIFT, Fedwire and CHATS, 10 currencies including CNY

Non-batched payments for fast reconciliation in and out

FI-to-FI settlement capability across the corridor

Every payout carries the original sender's name

Four Key Levers

We solved the hardest part of emerging-market trade.

Multi-bank rails

USD FBO accounts across US Tier-1 banks for redundancy and speed.

Named settlement

POBO SWIFT, Fedwire and CHATS across G10 currencies plus CNY.

Clearing trust

Emerging-market high-value clearing through US and non-US partners.

Proprietary licensing

Owned clearing, routing and settlement, not orchestration.

Treasury & Yield

Earn instead of
prepay and wait.

Idle balances no longer sit. Working capital earns institutional yield, around the clock, with same-day liquidity.

Direct access to tokenized money market funds (TMMF)

Atomic swaps eliminate Herstatt and counterparty risk

Same-day withdrawals, not T+2 or T+3

Treasury balances earn institutional baseline yield

The Principle

Importers earn instead of prepaying and waiting.

Same operating wallet. Same executive. Treasury becomes a position, not an idle ledger.

Same-day liquidityInstitutional yieldOne wallet

How It Works

Four steps. Fully managed.

Every engagement starts with a conversation. We design the flow end-to-end and execute it, so you don't have to manage multiple providers.

Intake Interview

Your MONACO executive interviews you to understand the flow: origin, destination, currency, volumes, compliance context and urgency.

Solution Design

We map the optimal route, partners, rails, conversion logic, and confirm the structure, timeline and all-in cost before we move a dollar.

Execution

Funds are moved through our licensed partner network. We manage every step: onramp, FX, routing, compliance documentation and settlement.

Reporting & Close

You receive a confirmed execution summary. Ongoing clients access their account state via the MONACO dashboard, by partner and currency.

MONACO operates through licensed partners in each jurisdiction. All flows are subject to KYC/AML verification. Services are available to regulated institutions only.

Next step

Move your next flow
with intent.

Become a client