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Monei Infrastructure Hero Light

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
What you can do:
  • 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?

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)
Build once, access everything.
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
Your AI can simply say “Send 100 USDT to bank account” and Monei handles network selection, rate calculation, account verification, and execution.
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
Support for 9+ blockchain networks and traditional banking:
  • 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

1

Authenticate

Get your API credentials from the dashboard
2

Connect to Infrastructure

Initialize the Monei client with your credentials
import MoneiSDK from '@monei/sdk';

const monei = new MoneiSDK({
  apiKey: process.env.MONEI_API_KEY,
});


3

Execute Operations

Use the infrastructure for various financial operations
// For direct integrations - programmatic interface
const quote = await monei.offrampExchange.getQuote({
  token: 'USDT',
  amount: 100,
  network: 'bnb-smart-chain',
  fiat: 'NGN'
});

await monei.offrampExchange.initiateSwap({
  ...quote,
  bankCode: 'GTBINGLA',
  accountNumber: '0123456789'
});
4

Monitor & Track

Get real-time updates via webhooks or streaming
// Webhook events
monei.webhooks.on('transaction.initiated', (tx) => {
  console.log('Transaction started:', tx.id);
});

monei.webhooks.on('transaction.completed', (tx) => {
  console.log('Settlement complete:', tx.settlementAmount);
});


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:
import { Monei } from '@monei/sdk';

const monei = new Monei({
  apiKey: process.env.MONEI_API_KEY,
  authToken: process.env.AUTH_TOKEN
});

async function sellCrypto() {
  // 1. Get exchange rate from offramp infrastructure
  const quote = await monei.offrampExchange.getQuote({
    token: 'USDC',
    amount: 50,
    network: 'polygon',
    fiat: 'NGN'
  });

  console.log(`Rate: ₦${quote.rate} per USDC`);
  console.log(`You'll receive: ₦${quote.fiatAmount}`);

  // 2. Verify bank account through banking rails
  const account = await monei.offrampPayouts.verifyBankAccount({
    accountNumber: '0123456789',
    bankCode: 'GTBINGLA' // GTBank
  });

  console.log(`Account: ${account.accountName}`);

  // 3. Execute swap through unified infrastructure
  const result = await monei.offrampExchange.initiateSwap({
    token: 'USDC',
    amount: 50,
    network: 'polygon',
    bankCode: 'GTBINGLA',
    accountNumber: '0123456789',
    accountName: account.accountName
  });

  console.log('Transaction complete!', result);
}

sellCrypto();
Sandbox Environment: Test all infrastructure capabilities with fake money in our sandbox. Learn more →

Supported Assets & Networks

TokenNameSupported Networks
USDTTetherBSC, Polygon, Ethereum, Base, Arbitrum, Optimism, Scroll, Lisk
USDCUSD CoinBSC, Polygon, Ethereum, Base, Arbitrum, Optimism, Scroll, Lisk
CNGNNaira StablecoinBSC, 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

Important: Never share your API keys. Monei infrastructure team will never ask for them.
  • End-to-end encryption for all data
  • Rate limiting and DDoS protection
  • Real-time fraud detection
  • Regular security audits
  • Automated threat monitoring
  • KYC/AML compliance via Veriff
  • GDPR compliant
  • PCI DSS Level 1 certified
  • ISO 27001 certified
  • SOC 2 Type II compliant
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

Need enterprise infrastructure? Let’s chat