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Regulated Global Payments Infrastructure

One regulated payments platform for modern money builders.

Monavate builds and maintains the regulated payments platform that ambitious businesses launch and scale their payment programmes on. Issue cards, move money across rails and borders, and settle globally, all inside one regulatory framework with compliance, control and visibility built in.

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Regulated: UK & EEA
Principal member:
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Settlement currencies: GBP · EUR · USD · CHF · CAD
Stablecoin settlement: USDC · EURC
Compliance: KYC · AML · PEPs & Sanctions · PCI DSS · ISO 27001
Regulated: UK & EEA
Principal member:
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Settlement currencies: GBP · EUR · USD · CHF · CAD
Stablecoin settlement: USDC · EURC
Compliance: KYC · AML · PEPs & Sanctions · PCI DSS · ISO 27001
Availability depends on programme type, risk profile, and regulatory approval.
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The Monavate Difference

One platform.
One regulatory framework.
One point of accountability.

Most payment setups stitch together separate licences, vendors and rails, and leave the gaps to you. Monavate runs it all inside one regulatory framework, with one team accountable end to end.

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The Platform Lifecycle

The full life of a payment. From tap to treasury. On one platform.

Every Monavate Value enters, moves, and reaches the real world. Every capability is a block in that flow, and every block stands on the same regulated foundation. capability sits in one of four stages, from how value enters to how it becomes spend.

Value Entry
  • Fiat & digital asset on-ramps
  • Multi-currency accounts
  • Virtual IBANs
  • Funding rails across jurisdictions
Value Movement
  • Cross-border settlement & FX
  • Card networks
  • Bank-to-bank rails
  • Digital asset rails
value Exit
  • Physical and virtual card issuing
  • Scheme-backed card programmes
  • Wallet integrations (Apple Pay, Google Pay)
  • Programme controls and authorisation logic
Platform Operations
Regulation, Compliance & Trust
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Card Programme Management
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KYC (Know Your Customer)
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Authorisation and Controls
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KYB (Know Your Business)
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Wallet Provisioning (Apple Pay, Google Pay)
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AML Monitoring
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Real-time Transaction Processing
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Fraud Detection and Transaction Monitoring
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Multi-rail Settlement (Fiat and Stablecoin)
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Programme Governance
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Who we build for

The financial infrastructure for the teams building what comes next.

Fintech Innovators
Launch cards, wallets and accounts without stitching together licences, vendors and compliance. Build your product, not payments plumbing.
Explore Fintech
Crypto & digital assets
Take on-chain value into everyday spend. Wallet-linked cards and stablecoin settlement, all inside one regulatory framework.
Explore Web3
Enterprise B2B payments
Pay suppliers, partners and people in real time, with the visibility and reconciliation your finance team has been asking for.
Explore B2B
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By industry

Configured for the way your sector pays.

VIEW ALL Industries
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how you work with us

We grow with the builders who build on our infrastructure.

Start on a managed or co-branded programme and go live in months, not years, with Monavate carrying the operational load. As your programme matures, move to direct API integration and bring more of the stack under your own control. Same platform, same regulatory framework, at every stage of the curve.

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Managed & Co-Branded Programmes

We run the programme end to end, under the same regulatory framework, with no integration work required.

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Dedicated Integration

Full API access to embed payments into your own systems.

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Trusted by the teams building the future of money.

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We are thrilled to partner with Monavate to bring innovative payment solutions to individuals and businesses in the UK and across Europe; a testament to our shared commitment to providing secure, convenient, and accessible financial services to our customers.
Simon Boffee
SD - Visa
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At Mastercard, we’re committed to delivering innovative, secure and seamless payments experiences. We're pleased to collaborate with Monavate on this shared vision, to empower and enable greater choice for customers across the payments ecosystem.
Christian Rau
Mastercard
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Monavate’s industry knowledge, deep understanding of the payments business and scalable solutions make them a valuable partner for our strategic initiatives.
Tribh Grewal
Head of International Product Strategy and Business Development - Discover Global Network
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What are you building?

Tell us, and we'll show you how one regulated payments platform can power it. No stitched-together vendors, licences or compliance gaps.
Speak to our team
Speak to our team
Solutions
Accounts & IBANs
Accounts & IBANs
Card Issuing & BIN Sponsorship
Card Issuing & BIN Sponsorship
KYC/AML & Compliance
KYC/AML & Compliance
On-ramps & Funding
On-ramps & Funding
Processing
Processing
Programme Management
Programme Management
Reporting & Data
Reporting & Data
Settlement & FX
Settlement & FX
Stablecoin & Digital Asset Rails
Stablecoin & Digital Asset Rails
Company
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Careers
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Founded in 2020 and now part of Exodus Movement, Inc. (NYSE American: EXOD). Monavate is a limited company registered in England and Wales with Registration Number 12472532 and registered offices at The Officers' Mess Business Centre, Royston Road, Duxford, Cambridge, England, CB22 4QH. Monavate is authorised and regulated by the Financial Conduct Authority with Firm Reference Number 901097, and Registered VAT number 439 773 155.
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UAB Monavate is a company incorporated in Lithuania under Legal Entity Code: 305628001 with registered offices at Konstitucijos av. 21A, Vilnius, LT-08130, Lithuania. UAB Monavate is authorised and regulated by the Bank of Lithuania under Authorisation Code: LB002139

The money held in your Card Account is not protected by the Financial Services Compensation Scheme (FSCS). This means that, unlike a bank account, your funds are not covered by a statutory compensation scheme if Monavate were to fail. Instead, we protect your funds in accordance with the Electronic Money Regulations 2011. These regulations require us to safeguard customer funds by:
                   
i. keeping them separate from Monavate’s own money; and                  
ii. holding them in designated safeguarding accounts with authorised credit institutions, or otherwise protecting them in a manner permitted by law.

Safeguarding is designed to ensure that your funds are protected and prioritised if Monavate were to become insolvent. In such circumstances, safeguarded funds should not be available to Monavate’s creditors and are intended to be returned to customers, subject to the insolvency process.While safeguarding is not the same as FSCS protection, it is a regulatory mechanism specifically designed for electronic money accounts to help keep customer funds safe.
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