> ## Documentation Index
> Fetch the complete documentation index at: https://docs.monei.cc/llms.txt
> Use this file to discover all available pages before exploring further.

# Welcome to Monei

> The financial infrastructure that bridges traditional finance, cryptocurrency, and AI-powered payments in one unified platform

<img className="block dark:hidden" src="https://mintcdn.com/goviral/dFJTrlVwXlfKHpQ6/images/hero1.png?fit=max&auto=format&n=dFJTrlVwXlfKHpQ6&q=85&s=035098921ff8fcf10f848e08f1c2b7ae" alt="Monei Infrastructure Hero Light" width="779" height="330" data-path="images/hero1.png" />

<img className="hidden dark:block" src="https://mintcdn.com/goviral/dFJTrlVwXlfKHpQ6/images/hero2.png?fit=max&auto=format&n=dFJTrlVwXlfKHpQ6&q=85&s=3b295d08d52339d3d283af3ab60a4023" alt="Monei Infrastructure Hero Dark" width="779" height="313" data-path="images/hero2.png" />

## 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

<CardGroup cols={2}>
  <Card title="Quick Start" icon="rocket" href="/introduction/quickstart">
    Get your first transaction running in under 5 minutes
  </Card>

  <Card title="API Reference" icon="code" href="/api-reference/account">
    Explore all available endpoints and tools
  </Card>

  <Card title="SDK Libraries" icon="book-open" href="/sdks/nodejs">
    Node.js and Python SDKs for rapid integration
  </Card>

  <Card title="Example Apps" icon="laptop-code" href="/testing/sandbox">
    View complete examples and sandbox environment
  </Card>
</CardGroup>

***

## Why Choose Monei?

<AccordionGroup>
  <Accordion icon="link" title="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)

    **Build once, access everything.**
  </Accordion>

  <Accordion icon="brain" title="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

    Your AI can simply say *"Send 100 USDT to bank account"* and Monei handles network selection, rate calculation, account verification, and execution.
  </Accordion>

  <Accordion icon="shield" title="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
  </Accordion>

  <Accordion icon="globe" title="Multi-Chain, Multi-Currency">
    Support for **9+ blockchain networks** and traditional banking:

    <Tabs>
      <Tab title="EVM Chains">
        * Ethereum
        * BSC (Binance Smart Chain)
        * Polygon
        * Base (Coinbase L2)
        * Arbitrum
        * Optimism
        * Scroll
        * Lisk
        * Starknet
      </Tab>

      <Tab title="Non-EVM">
        * Solana (Mainnet & Devnet)
        * Jupiter DEX integration
        * SPL token support
        * More chains coming soon
      </Tab>

      <Tab title="Traditional Finance">
        * Nigerian Banking (All major banks)
        * Naira deposits & withdrawals
        * Bill payment aggregators
        * International transfers (coming soon)
      </Tab>
    </Tabs>
  </Accordion>
</AccordionGroup>

***

## Infrastructure Capabilities

<CardGroup cols={3}>
  <Card title="Offramp Infrastructure" icon="money-bill-transfer" href="/offramp/overview">
    Crypto-to-fiat rails with instant bank settlement
  </Card>

  <Card title="DEX Aggregation" icon="arrows-rotate" href="/evm-blockchain/token-swaps">
    Best rates across all major decentralized exchanges
  </Card>

  <Card title="Banking Rails" icon="building-columns" href="/naira-wallet/payouts">
    Direct integration with Nigerian banking system
  </Card>

  <Card title="Bill Payment Gateway" icon="receipt" href="/bill-payments/overview">
    Airtime, data, electricity, cable TV, and more
  </Card>

  <Card title="Multi-Chain Wallets" icon="wallet" href="/core-concepts/wallets">
    Unified wallet interface across EVM and Solana
  </Card>

  <Card title="AI Agent Interface" icon="robot" href="/introduction/quickstart">
    Natural language API for autonomous agents
  </Card>
</CardGroup>

***

## How It Works

<Steps>
  <Step title="Authenticate">
    Get your API credentials from the [dashboard](https://monei.cc)
  </Step>

  <Step title="Connect to Infrastructure">
    Initialize the Monei client with your credentials

    ```javascript theme={null}
    import MoneiSDK from '@monei/sdk';

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


    ```
  </Step>

  <Step title="Execute Operations">
    Use the infrastructure for various financial operations

    <CodeGroup>
      ```javascript Direct API theme={null}
      // 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'
      });
      ```
    </CodeGroup>
  </Step>

  <Step title="Monitor & Track">
    Get real-time updates via webhooks or streaming

    ```javascript theme={null}
    // 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);
    });

    ```
  </Step>
</Steps>

***

## 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:

<CodeGroup>
  ```javascript Node.js theme={null}
  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();
  ```

  ```python Python theme={null}
  from monei import Monei

  monei = Monei(
      api_key=os.getenv('MONEI_API_KEY'),

  )

  def sell_crypto():
      # 1. Get exchange rate
      quote = monei.offramp_exchange.get_quote(
          token='USDC',
          amount=50,
          network='polygon',
          fiat='NGN'
      )

      print(f"Rate: ₦{quote.rate} per USDC")
      print(f"You'll receive: ₦{quote.fiat_amount}")

      # 2. Verify bank account
      account = monei.offramp_payouts.verify_bank_account(
          account_number='0123456789',
          bank_code='GTBINGLA'
      )

      print(f"Account: {account.account_name}")

      # 3. Execute swap
      result = monei.offramp_exhange.initiate_swap(
          token='USDC',
          amount=50,
          network='polygon',
          bank_code='GTBINGLA',
          account_number='0123456789',
          account_name=account.account_name
      )

      print('Transaction complete!', result)

  sell_crypto()
  ```

  ```bash cURL theme={null}
  # 1. Get quote
  curl -X POST https://api.monei.cc/api/v1/offramp/exchange/quote \
    -H "x-api-key: YOUR_API_KEY" \
    -H "Content-Type: application/json" \
    -d '{
      "token": "USDC",
      "amount": 50,
      "network": "polygon",
      "fiatCurrency": "NGN"
    }'

  # 2. Verify account
  curl -X POST https://api.monei.cc/api/v1/banking/verify \
    -H "x-api-key: YOUR_API_KEY" \
    -H "Content-Type: application/json" \
    -d '{
      "accountNumber": "0123456789",
      "bankCode": "GTBINGLA"
    }'

  # 3. Execute swap
  curl -X POST https://api.monei.cc/api/v1/offramp/exchange/swap \
    -H "x-api-key: YOUR_API_KEY" \
    -H "Content-Type: application/json" \
    -d '{
      "token": "USDC",
      "amount": 50,
      "network": "polygon",
      "fiatCurrency": "NGN",
      "bankCode": "GTBINGLA",
      "accountNumber": "0123456789"
    }'
  ```
</CodeGroup>

<Note>
  **Sandbox Environment**: Test all infrastructure capabilities with fake money in our sandbox. [Learn more →](/testing/sandbox)
</Note>

***

## Supported Assets & Networks

<Tabs>
  <Tab title="Stablecoins">
    | 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                                   |
  </Tab>

  <Tab title="Networks">
    | Network  | Chain ID | Type    | Avg. Fees |
    | -------- | -------- | ------- | --------- |
    | BSC      | 56       | EVM     | \~\$0.10  |
    | Polygon  | 137      | EVM     | \~\$0.01  |
    | Ethereum | 1        | EVM     | \~\$5.00  |
    | Base     | 8453     | EVM     | \~\$0.05  |
    | Arbitrum | 42161    | EVM     | \~\$0.20  |
    | Optimism | 10       | EVM     | \~\$0.15  |
    | Solana   | -        | Non-EVM | \~\$0.001 |
  </Tab>

  <Tab title="Fiat Currencies">
    | Currency       | Code | Supported Operations                          |
    | -------------- | ---- | --------------------------------------------- |
    | Nigerian Naira | NGN  | Deposits, Withdrawals, Offramp, Bill Payments |

    <Info>
      More currencies coming soon! [Join waitlist →](https://mrmonei.com/waitlist)
    </Info>
  </Tab>
</Tabs>

***

## What You Can Build

<CardGroup cols={2}>
  <Card title="AI Financial Agents" icon="robot">
    Autonomous agents that handle payments, swaps, and transfers
  </Card>

  <Card title="Payment Platforms" icon="credit-card">
    Accept crypto and settle in fiat instantly
  </Card>

  <Card title="DeFi Aggregators" icon="chart-line">
    Multi-chain DEX interfaces with unified liquidity
  </Card>

  <Card title="Remittance Services" icon="paper-plane">
    Cross-border transfers using crypto rails
  </Card>

  <Card title="Neobanks & Fintechs" icon="building-columns">
    Full-stack financial services on top of Monei
  </Card>

  <Card title="Business Automation" icon="briefcase">
    Treasury management, payroll, and B2B payments
  </Card>

  <Card title="Crypto Onramps" icon="arrow-right-to-bracket">
    Buy crypto with bank transfers
  </Card>

  <Card title="Trading Platforms" icon="chart-candlestick">
    Connect users to DEXs with fiat settlement
  </Card>
</CardGroup>

## Security & Compliance

<Warning>
  **Important**: Never share your API keys. Monei infrastructure team will never ask for them.
</Warning>

<AccordionGroup>
  <Accordion icon="shield-check" title="Security Measures">
    * End-to-end encryption for all data
    * Rate limiting and DDoS protection
    * Real-time fraud detection
    * Regular security audits
    * Automated threat monitoring
  </Accordion>

  <Accordion icon="scale-balanced" title="Compliance">
    * KYC/AML compliance via Veriff
    * GDPR compliant
    * PCI DSS Level 1 certified
    * ISO 27001 certified
    * SOC 2 Type II compliant
  </Accordion>

  <Accordion icon="book-bookmark" title="Best Practices">
    Read our [Security Guidelines](/security/guidelines) for:

    * Secure key management
    * Webhook signature verification
    * Environment variable handling
    * Production deployment checklist
  </Accordion>
</AccordionGroup>

***

## Ready to Build on Monei?

<CardGroup cols={2}>
  <Card title="Start Building" icon="rocket" href="/introduction/quickstart" color="#16A34A">
    Get started with our 5-minute quickstart
  </Card>

  <Card title="Talk to Sales" icon="phone" href="https://calendly.com/liveplaynetwork/30min" color="#3B82F6">
    Need enterprise infrastructure? Let's chat
  </Card>
</CardGroup>