Pre-Seed · Confidential · 2026

Move money worldwide, behind one API key.

One API over a network of licensed payment partners: hosted KYC, virtual accounts, and payouts to 130+ countries, settled on stablecoin rails. No float to fund, no keys to hold.

Production-deployed Sandbox self-serve today Live-money mode switches on per agreement

POST /v1/transfers

{
  "customer_id":    "cus_8f21",
  "quote_id":       "qt_e930",
  "beneficiary_id": "ben_1d47"
}

201 Created · status: processing
event: transfer.settled ✓

Transfercompleted

$1,000.00

to NGN · Nigeria · arrived in 9m 41s

Chinedu OkaforZenith Bank ••4821~10 min

Price locked at quote. No surprises at delivery.

SEPA Faster Payments Pix SPEI ACH IMPS Zengin GCash + 12 more on bank transfer and mobile wallet · SWIFT for everywhere beyond

Public API

Callable now · no key needed

130+ countries

Bank transfer · mobile wallet

20 published corridors

15 active · Pix, SEPA, SPEI, ACH and more

Self-custody

BYO wallet · no keys held

Global money movement should not take five vendors and a year.

Fintechs, payroll platforms, marketplaces, developers and wallets all hit the same wall: onboarding, accounts and payouts that land locally, rebuilt vendor by vendor, market by market. Stablecoins already won settlement (~$9T adjusted volume in 12 months, a16z 2025), yet real-world payments are only $390B (McKinsey / Artemis). The gap is the fiat last mile.

The stitched stack

Every team that moves money stitches together a network of PSPs, a verification vendor, a payout provider per region, plus the licensing and treasury to hold it up.

The corridor tax

Local licensing, bank-form quirks, sanctions screening and payout partners turn one corridor into a quarters-long project before the first dollar lands.

The vanishing vendors

Bridge into Stripe, Fern into Rain. Each deal takes an integrator-first vendor off the market and leaves its integrators re-platforming.

Stablecoin settlement is solved. Getting money into a bank account in Lagos, Manila, or Mexico City is not.

six vendor systems → one API · one agreement

The category just got priced, and the neutral vendors keep disappearing.

B2B stablecoin payments are now the largest real-world stablecoin segment (McKinsey / Artemis), while a wave of acquisitions keeps removing the independent, integrator-first vendors. The market is priced, and the neutral slot keeps re-opening.

733%

B2B stablecoin payments growth in 2025, year over year

mckinsey · artemis · 2025

$226B of $390B

Now the largest real-world stablecoin payment segment

real-world stablecoin payments

60%

Share of all real-world stablecoin payments that is B2B

the category is priced · growing

consolidation.log

tail -f consolidation.log

2025-02  bridge → stripe     $1.1B     closed · off the market
2025-05  conduit raises       $36M      series A on $10B+ volume · independent
2025-12  fern → rain         absorbed  off the market
2026-03  bvnk → mastercard   $1.8B     announced · pending close

// every exit validates the price of the layer
slot: neutral, integrator-first payout API → re-opening

Deal figures as announced: Stripe closed Bridge Feb 2025; Rain absorbed Fern Dec 2025 and went on to raise $250M; Mastercard announced BVNK Mar 2026; Conduit's Series A per its own post, May 2025.

KYC, virtual accounts and payouts, behind one API key.

Moneva Platform is one API over a network of licensed payment partners: hosted KYC, named virtual fiat accounts, payouts, compliance and monitoring. The working promise, verbatim from our docs: onboard a user, issue their account, and move money in and out, in one afternoon, against a self-serve sandbox.

GET /v1/corridors

{
  "currency": "MXN",
  "rate": 17.43,            // mid-market
  "minimum_usd": "4.58",   // fee-derived
  "estimated_arrival":
      "Within minutes",
  "transfer_methods": ["spei"]
}

Live corridor endpoint: mid-market rate, fee-derived minimums, estimated arrival. Speeds from minutes (MXN) to 1 to 3 business days (USD ACH).

Virtual accounts · named details per customer

Account details USDEURGBPNGN

Account holderADA OKAFOR

Account number8331 2076 4409

Routing number · ACH026 073 150

IBAN · EURDE89 3704 0044 0532 0130 00

Sort code · GBP23-14-70

Account number · NGN3082 4115 79

Named USD, EUR, GBP and NGN account details per customer, issued through licensed partners. Every deposit settles as stablecoin in the customer's own wallet. Details illustrative.

Where we are ahead A partner network, not one vendor · corridors are added, not re-contracted 15 active corridors · vs Bridge 8 rails, Conduit 5 Virtual accounts in USD, EUR, GBP and NGN · vs BVNK EUR-only You do not need your own licence · BVNK requires one No pre-funded float · six of seven majors require it

Own object model

Customers, accounts, quotes, beneficiaries, transfers, events. Signed webhooks with a durable, replayable event log. First-class test mode.

Forms as API

Beneficiary bank forms served as schemas per corridor. Integrators render fields from the schema and never guess a bank form again.

A network, not a single vendor

Licensed PSP and payout partners provide the regulated rails, KYC, and local payouts. Moneva is the single API, object model, and compliance layer over the whole network.

Not a roadmap. Call it right now.

The platform is production-deployed and running today: API, docs, and integrator dashboard, monitored around the clock. Integrations run in sandbox while the first commercial agreements are signed; live-money mode is already built and switches on per agreement. Not an engineering milestone, a signature.

Live now API · docs.moneva.io Self-serve docs Integrator dashboard Live corridor data · public Sandbox + test mode · self-serve Live-money mode built · switches on per agreement Our own consumer app · on TestFlight

Moneva integrator dashboard: volume, transfers, revenue and customers.

Corridors & compliance

Corridor data, fail-closed screening

Full beneficiary schemas, live rates, and estimated arrival per corridor. OFAC wallet screening at customer create, fail-closed. Purpose-of-payment enforcement on regulated corridors.

Ops maturity

Run like production, because it is

Continuous verification against the live rail caught a half-wired corridor in July, before any integrator could. Monitored around the clock, with strict compatibility guarantees on the API contract.

Dashboard

Self-serve integrator console

Passwordless auth, transactions and customer detail, reveal-once API keys, team invites, CSV/HTML/PDF exports with QR statement verification and a public verify page.

Payouts to 130+ countries, on local rails or SWIFT.

One integration reaches 130+ countries through the network of licensed payment partners. The 20 published corridors, 15 active are the deepest rails: local currencies, local bank systems, minutes-fast settlement, with more in the pipeline. Every beneficiary field and purpose code in them was learned against a live partner rail; anyone following re-earns it corridor by corridor.

130+ countries · payout coverageNot yet covered

20 published corridors, 15 active · local bank rails and currencies

USD EUR GBP MXN BRL ARS NGN KES GHS EGP INR PHP VND IDR PKR TRY JPY AED OMR QAR Next in the pipeline GTQ COP SGD CAD

Bank transfer

Local rails: SPEI, Pix, SEPA, NIBSS and more. Minutes-fast on the deepest corridors, plus SWIFT reach.

Mobile wallet

Mobile money payouts, M-Pesa-style wallets across Africa and Asia, delivered like any bank payout.

🇲🇽MXN· SPEI · ~10 min 🇧🇷BRL· Pix · minutes 🇳🇬NGN· NIBSS · minutes 🇰🇪KES· M-Pesa · minutes

Near mid-market FX. Speed examples illustrative; live per corridor from /v1/corridors.

Remittance rails still cost 6.36% on average.

Costs are World Bank Remittance Prices Worldwide, Issue 54 (Q3 2025). The stablecoin leg costs cents, settles in under a minute, and runs 24/7. Moneva all-in is illustrative, per the pricing model.

Banks as sending providerMost expensive provider type, $200 send

Banks

14.99%

Sub-Saharan Africa corridorsMost expensive receiving region

SSA

8.46%

Global averageAll providers, $200 send

Global

6.36%

Moneva all-inillustrative, per pricing model

Moneva

0.3% to 1.0%

legacy rails 6% to 15%→ stablecoin rails <1%→ the spread is the revenue pool

The spread between legacy rails and stablecoin rails is the revenue pool. We sell it as an API.

No float to fund, and no keys to hold.

Traditional payout networks make every partner pre-fund the destination: nostro accounts, float parked per corridor, FX inventory. On Moneva, every transfer is funded just in time from the end customer's own wallet, settles on stablecoin rails, and licensed partners pay out local fiat from their own liquidity. The integrator brings neither float nor FX inventory. Nothing is pre-funded, nothing is parked.

×What integrators never bring

×Pre-funded float per corridor
×Nostro / settlement accounts
×FX inventory and rebalancing desks
×Banking relationships in each country
×Liquidity or treasury ops headcount

✓What they get

✓Just-in-time funding from the customer's own wallet, per transfer
✓Licensed partner liquidity pays out the local fiat leg, in 15 active corridors
✓Payouts to 130+ countries by bank transfer or mobile wallet
✓Fees settled atomically inside the transfer
✓One agreement, one API, one compliance posture

wire the float→it sits idle→rebalance forever

Thunes calls pre-funding “millions of dollars in trapped working capital”. That is their own description of the model we removed.

Built, deployed, and waiting on a signature.

The platform is production-deployed and running today. What we need now is integrators building against the sandbox, and introductions to the teams that move money.

Where we are

Production-deployed: API, docs and integrator dashboard, monitored around the clock
Self-serve sandbox anyone can call today, no key needed
20 published corridors, 15 active, on local rails
Named virtual accounts in USD, EUR, GBP and NGN
Our own consumer app on these rails, on TestFlight
Live-money mode built, switches on per agreement

What we are looking for

Integrators.

Fintechs, payroll and contractor platforms, marketplaces, wallets: teams that move money across borders and want one API instead of a vendor per market.

01Build against the sandbox today. The first integration takes an afternoon.

02Introduce us to a team that moves money.

GET /v1/corridors · no key needed · docs.moneva.io

Contact cb@moneva.io moneva.io docs.moneva.io Book a call

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