Embedded finance / Texas, USA
Monetaire gives fintechs, SaaS platforms, and cross-border merchants the API rails and white-label architecture to launch corporate cards, issue multi-currency IBANs, and execute global remittances — on licensed banking partners, with no heavy pre-funding.
FX corridor pricing
120+
Corridors
17
Currencies
99.95%
Uptime SLA
The platform
01 / Remittance Engine
Route settlement across 120+ corridors with live mid-market pricing and a transparent basis-point spread. One API call quotes, locks, and executes — no hidden markup buried in the rate.
02 / Multi-currency IBANs
Issue dedicated IBANs in your customer's or entity's own name across EUR, GBP, USD and 14 further currencies. Full reconciliation data on every credit, virtual sub-ledgers included.
03 / Corporate Card API
Spin up virtual and physical corporate cards under your brand. Merchant-category rules, per-transaction ceilings, and authorisation webhooks you can approve or decline in-line.
How it works
A defined implementation path with a solutions engineer attached from the first sandbox call through production sign-off.
KYB and licensed-partner underwriting completed in a structured review — documents, UBO chain, and risk profile handled through one portal.
Authenticate against the sandbox, model your ledger, and replay signed webhooks until your flows are provably correct.
Your treasury stays in your control. Balances move at the moment of authorisation or payout instruction, not weeks ahead of it.
Promote the same integration to production with one credential swap, then expand corridors and card programmes on demand.
Security and compliance
Monetaire operates a just-in-time funding model. Capital leaves your accounts at the moment of authorisation, so exposure never sits idle on a platform balance sheet.
Every account, card, and payout sits with an established regulated institution in its own jurisdiction — never on an unlicensed shortcut.
Corporate treasuries are never asked to park large pre-funded floats. Capital is drawn at the point of authorisation, limiting exposure by design.
Sanctions, PEP, and adverse-media screening execute inside the payment path, with the decision trail exposed through the API.
Immutable event log, signed webhooks, scoped API keys, and exportable evidence packs for your auditors and partner banks.
Developer resources
REST with idempotency keys, signed webhooks, versioned endpoints, and a sandbox that mirrors production semantics — including failure modes, scheme rejections, and settlement delays you can trigger on demand.
API reference
Every endpoint, field, and error code
Sandbox keys
Deterministic test corridors and cards
SDKs
Node, Python, Go, PHP
Webhook replay
Re-deliver any event for 30 days
curl -X POST https://api.monetaire.io/v1/payouts \
-H "Authorization: Bearer $MONETAIRE_KEY" \
-H "Idempotency-Key: pyt_9f21c" \
-d '{
"source": { "iban_id": "ibn_84kd21", "currency": "USD" },
"destination": { "scheme": "SEPA_INSTANT", "iban": "DE89..." },
"amount": 48250.00,
"target_currency": "EUR",
"quote_id": "qte_7b3ac912"
}'
// 201 Created
{ "id": "pyt_9f21c", "state": "executing",
"fx_rate": 0.91840, "spread_bps": 12,
"expected_settlement": "2025-04-11T14:02:00Z" }
Contact
Enquiries are reviewed by a solutions engineer, not a queue. Expect a technical response within one business day, with sandbox credentials where the fit is clear.