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You send $100. They receive $100.

With Moni, your family in LATAM gets every dollar instantly - ready to use at stores, pay for services, or withdraw cash.
  • No hidden feesNo hidden fees
  • No waiting linesNo waiting lines
  • Transfer in minutesTransfer in minutes

Send

Send dollars from the U.S. to Mexico in seconds - with no middlemen.

Fees under 1.5% Delivery in seconds Always transparent

Spend

Buy groceries, pay bills, or shop with QR codes at Moni-enabled stores.

No cash-out needed No delays

Earn

Help friends get started and earn rewards

Refer a friend — you both win

Backed by investors who believe in a better future

Moni is supported by leading investors who share our vision of making cross-border money movement faster, fairer, and more accessible for everyone.

Reverie
BBF
Cadenza
Base Ecosystem Fund

How Moni works in 3 simple Steps

Step 1

Add Money

From your U.S. debit card or a crypto wallet.

Start with as little as $10. No branches. No paperwork.

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Step 2

Send or Request in Seconds

Pick who you're sending to - even if they don't use Moni yet.

They get dollars instantly in their phone.

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Step 3

Spend locally or withdraw cash

They use it right away at Moni stores, pay bills, send to others, or withdraw cash.

No ATM. No delays. Just scan a QR and go.

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Your mom doesn't need to be a tech wizard

She just gets money she can spend

Real stories. Real impact.

Then

I thought I sent $200…

Luis was always confused by the fees - his family never got the full amount.

Now

My mom gets the full $200, not $180

With Moni, there are no hidden fees. What you send is what they receive, instantly.

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Then

It took days to get the money

Aisha waited in line at the bank - sometimes for hours - just to access what was already hers

Now

I receive it and spend it the same day

No more waiting days for cash pickups or delayed bank transfers. Your money is ready when you are.

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Then

I had to take a bus just to fill out forms

Emmanuel traveled across town, with documents in hand, just to open a basic account.

Now

I no longer need to travel just to open an account. Moni starts where I am

No paperwork, no branches, no gatekeeping. Just download the app and you're in.

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To: Mom 2021-01-01
-$100 ~24,869MXN

Take control of your money wherever you are

Developed with compliance-first technology (you never lose custody)

Works with trusted local stores and services

Business payment interface
For Business

Accept Moni payments in your store or service

Reach more customers, get paid instantly, and grow with low fees. No extra hardware or bank accounts needed.

Developer coding interface
For Developers

Build with Moni's SDK's and APIs

Easily integrate cross-border payments into your app or platform with simple, flexible developer tools.

Have any questions?

We've got you.
Yes. Moni uses top-level security to protect your money and personal information. Every transaction is encrypted and transparent.
Transfers are typically completed within seconds to minutes, depending on the destination and amount.
No hidden fees. We believe in complete transparency - you'll always know exactly what you're paying upfront.
No, you don't need a traditional bank account. Moni works with various payment methods and digital wallets.
Yes! You can use Moni to make payments at Moni-enabled stores and services using QR codes or the app.