You don't have a licence

You don't need one to start

Launch regulated products. Your brand on the front, our infrastructure on the rails.

See your path

The problem

Regulated money needs a regulated entity

You have the product and audience. We connect you to regulated partners and power the infrastructure.

Hold fundsneeds a licence
Move moneyneeds scheme & rail access
Issue cardsneeds a BIN sponsor

The DIY path

Standing up your own entity

FILE REF · DIY-0001 · STATUS: OPEN

01
Licence application
File it and defend it with the regulator
8-12 months
02
Compliance function
Hire an MLRO, build KYC / AML / monitoring
3+ FTE
03
Regulatory capital
Held on deposit against the licence
Capital locked
04
Scheme & rail access
BIN sponsor, SEPA / SWIFT integration
Months to wire
05
Audit & reporting
External audit and regulatory returns
Quarterly · forever

Time to first transaction

…before you can process a single payment.

12–24mo

And you still own, end to end: Hold funds Move money Issue cards

Your brand

Wallet

Live

Total balance · One ledger

€48,213,905

▲ 0.4%

Recent activityView all

Stripe payout

Incoming · 2m ago

+€48,210

Settled

Acme Payroll

SEPA · 14m ago

−€12,400

Settled

Apple

Card auth · 31m ago

−€3.99

Authorized

LICENCE · COMPLIANCE · RAILS

The model

Launch without the wait. Today

Montis powers the infrastructure underneath. Your brand on top. One ledger holds every balance.

Regulatory coverOperate under our partners' permissions.
Compliance oversightKYC, screening and monitoring.
Rails & scheme accessBanking, SEPA/SWIFT and card schemes.

What you ship

Everything a licensed product offers

→ 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