You hold the licence

What you're missing is a system

PSP, EMI, Payment institution. Regulated, and ready for a system built on one ledger.

The problem

You've got the licence. The system is the gap

You're regulated and live, but held back by fragmented systems, broken reconciliation, and manual ops. Montis is built for what comes next.

Stack map · live

Diagnosing fintech stack

Drift detected

Ledger

Ledger A

PSP mainLDG-A

Ledger

Ledger B

EMI safeguardLDG-B

Ledger

Ledger C

FX walletLDG-C

Back office

PSP Console

Provider XBO-X

Back office

EMI Console

Provider YBO-Y

Integration

Stripe API

3 endpointsINT-1

Integration

Adyen API

2 endpointsINT-2

7 systems · 11 edgesFragmentation73%

Scanning ledger cluster…

The model

Your licence. Our system

Your licence. Your permissions. Montis underneath: accounts, payments, FX, and cards, unified by one ledger.

Posting engine · live

0.55 tx/sDouble-entry · balanced

ACC

Accounts

PAY

Payments

CRD

Cards

TimeModule · ReferenceAmount

14:32:32ACCTXN-72981DR€1,240.00
14:32:35PAYPMT-4429CR€430.00
14:32:38CRDCRD-31118DR€89.50
14:32:41FXFX-90021CR€2,400.00
14:32:44ACCTXN-72982DR€6,200.00
14:32:47PAYPMT-4430CR€155.00
14:32:50CRDCRD-31119DR€212.40
14:32:53ACCTXN-72983CR€78.00

Entries today4,217

Posted€847.4K

Avg latency12 ms

Regulatory boundaryRegulated by you

Montis · never in chain

What you run

A system built on one ledger

→ 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