
What is Monei?
Monei is a unified financial infrastructure that empowers businesses and AI agents to seamlessly handle payments across traditional banking, cryptocurrency, and decentralized exchanges all through a single, developer-friendly API. Built for:- AI Agents - Enable autonomous financial operations
- Businesses - Accept and process payments in crypto and fiat
- Fintechs - Build next-gen payment products
- Platforms - Integrate complete financial rails
- Crypto-to-Fiat Conversions - Instant offramp to bank accounts
- Token Swaps - DEX aggregation across EVM and Solana
- Bank Transfers - Nigerian Naira payouts and deposits
- Bill Payments - Utilities, airtime, data, and more
- Cross-Chain Bridging - Move assets across networks
- All in One API - No need to integrate multiple providers
Quick Start
Get your first transaction running in under 5 minutes
API Reference
Explore all available endpoints and tools
SDK Libraries
Node.js and Python SDKs for rapid integration
Example Apps
View complete examples and sandbox environment
Why Choose Monei?
Unified Financial Infrastructure
Unified Financial Infrastructure
One API to rule them all. Instead of integrating multiple providers for crypto exchanges, banks, and payment processors, Monei provides a single unified interface:
- Traditional banking (deposits, transfers, account verification)
- Crypto exchanges (DEX aggregation, best rates)
- Payment processors (bills, airtime, utilities)
- Cross-chain operations (bridge assets seamlessly)
AI-Native Architecture
AI-Native Architecture
Designed from the ground up for AI agents and autonomous systems:
- Natural Language Processing - Agents can interact in plain English
- Streaming Updates - Real-time SSE for live transaction monitoring
- Context-Aware - API understands intent and handles workflows
- Error Recovery - Automatic retries and intelligent fallbacks
- Audit Trails - Complete transaction history for agent learning
Enterprise-Grade Security
Enterprise-Grade Security
Built for businesses handling real money:
- KYC/AML Compliance with tier-based limits
- Non-custodial - users control their keys
- Transaction Monitoring and fraud detection
- Webhook Notifications for all events
- Rate Limiting and DDoS protection
- Audit Logs for compliance
Multi-Chain, Multi-Currency
Multi-Chain, Multi-Currency
Support for 9+ blockchain networks and traditional banking:
- EVM Chains
- Non-EVM
- Traditional Finance
- Ethereum
- BSC (Binance Smart Chain)
- Polygon
- Base (Coinbase L2)
- Arbitrum
- Optimism
- Scroll
- Lisk
- Starknet
Infrastructure Capabilities
Offramp Infrastructure
Crypto-to-fiat rails with instant bank settlement
DEX Aggregation
Best rates across all major decentralized exchanges
Banking Rails
Direct integration with Nigerian banking system
Bill Payment Gateway
Airtime, data, electricity, cable TV, and more
Multi-Chain Wallets
Unified wallet interface across EVM and Solana
AI Agent Interface
Natural language API for autonomous agents
How It Works
Authenticate
Get your API credentials from the dashboard
Quick Example: Sell Crypto for Naira
Here’s a complete example showing how to use Monei’s infrastructure to sell 50 USDC on Polygon and settle in a Nigerian bank account:Sandbox Environment: Test all infrastructure capabilities with fake money in our sandbox. Learn more →
Supported Assets & Networks
- Stablecoins
- Networks
- Fiat Currencies
| Token | Name | Supported Networks |
|---|---|---|
| USDT | Tether | BSC, Polygon, Ethereum, Base, Arbitrum, Optimism, Scroll, Lisk |
| USDC | USD Coin | BSC, Polygon, Ethereum, Base, Arbitrum, Optimism, Scroll, Lisk |
| CNGN | Naira Stablecoin | BSC, Polygon, Ethereum, Base |
What You Can Build
AI Financial Agents
Autonomous agents that handle payments, swaps, and transfers
Payment Platforms
Accept crypto and settle in fiat instantly
DeFi Aggregators
Multi-chain DEX interfaces with unified liquidity
Remittance Services
Cross-border transfers using crypto rails
Neobanks & Fintechs
Full-stack financial services on top of Monei
Business Automation
Treasury management, payroll, and B2B payments
Crypto Onramps
Buy crypto with bank transfers
Trading Platforms
Connect users to DEXs with fiat settlement
Security & Compliance
Security Measures
Security Measures
- End-to-end encryption for all data
- Rate limiting and DDoS protection
- Real-time fraud detection
- Regular security audits
- Automated threat monitoring
Compliance
Compliance
- KYC/AML compliance via Veriff
- GDPR compliant
- PCI DSS Level 1 certified
- ISO 27001 certified
- SOC 2 Type II compliant
Best Practices
Best Practices
Read our Security Guidelines for:
- Secure key management
- Webhook signature verification
- Environment variable handling
- Production deployment checklist
Ready to Build on Monei?
Start Building
Get started with our 5-minute quickstart
Talk to Sales
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