Every rail
One system

SEPA, SEPA Inst, SWIFT and domestic rails
One ledger underneath every payment flow

Read the API

~/montis/payments/swift/iso20022.route.ts

montis live

built for the rails

Six primitives. Every flow posts to Core

Multi-rail orchestration

SEPA, SEPA Inst, SWIFT and domestic rails
One API surface. One ledger

Real-time settlement

Posted to the ledger the instant the rail confirms. No batch reconciliation

IBAN & BIC routing

Account addressing across SEPA and SWIFT, with BIC lookup and validation

ISO 20022 native

pacs.008, pain.001, camt.054, structured at the wire, not parsed after

Returns & recalls

Reversals modeled as first-class entries, with lineage to the original

Limits & screening

Volume, Frequency and beneficiary checks

live signal

Right now, on the wire

Pulled live from the testnet ledger. New entries land here as the rails confirm

Cleared today

€2,847,193.20

TPS

142tx/s

p99 lat.

287ms

Success

99.94%

~/montis/payments/stream.tail

live

TimeRailAmountStatus

in the system

Payments writes here
So does every other module

→ confirmed in 187ms
}
  "status":      "POSTED"
  "fx_rate":     1.0843,
  "to":          "acc_external_8821",
  "from":        "acc_montis_eur",
  "currency":    "EUR",
  "amount":      14250.00,
  "id":          "txn_8K2vQp",
{
POST /v1/ledger/transactions
// ledger.entries.append

The foundation of your product

Accounts, ledger and transactions, built as one system

Open Core

Controls in front, not after

KYC, screening and monitoring everything that moves

Open Compliance

Proof across the stack

Statements, exports and a full audit trail from the same ledger

Open Reporting

Conversion as a primitive

Live rates, real-time conversion

Open FX

Ledger to point of spend

Issue against any account. Authorize, control, settle on one system

Open Cards

Payment lifecycle

One payment. End to end

From the API call to the posted entry, seven moments, every one observable

T+001Submit
T+34ms02Validate
T+182ms03Screen
T+340ms04Route
T+1.2s05Clear
T+8.4s06Post
T+12s07Confirm

01T+0

POST /v1/payments

Request reaches the API. Idempotency key reserved, payload validated against the schema. Response 202 returned immediately

event payload

methodPOST

path/v1/payments

idempotencyipk_4d31…b09a

statusaccepted

Get started

Wire one rail today
The system handles the rest

Connect one corridor today. SEPA SCT, SEPA Instant, SWIFT, internal. Every leg posts to Core, settles in the same back office, shows up in the same app.