• No hidden feesNo hidden fees
  • No waiting linesNo waiting lines
  • Transfer in minutesTransfer in minutes
You send $100. They can spend $100. With Moni, your family in LATAM gets every dollar instantly - ready to use at stores or pay for services.

Send

Send dollars from the U.S. to Mexico in seconds - with no middlemen.

Fees under 1.5% Delivery in seconds Always transparent

Spend

Buy groceries, pay bills, or shop with QR codes at Moni-enabled stores.

No cash-out needed No delays

Earn

Help friends get started and earn rewards

Referrals pay both ways

Backed by investors who believe in a better future

Moni is supported by leading investors who share our vision of making cross-border money movement faster, fairer, and more accessible for everyone.

Reverie
BBF
Cadenza
Reverie
BBF
Cadenza
How Moni works

in 3 simple Steps

Step 1

Add Money

From your U.S. debit card or a crypto wallet.

Start with as little as $10. No branches. No paperwork.

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Step 2

Send or Request in Seconds

Pick who you're sending to - even if they don't use Moni yet.

They get dollars instantly in their phone.

Illustration for Send or Request in Seconds
Step 3

Spend Locally

They use it right away at Moni stores, pay bills, or share with others.

No ATM. No delays. Just scan a QR and go.

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moni-icon

Your mom doesn't need to be a tech wizard

She just gets money she can spend

To: Mom 2021-01-01
-$100 ~24,869MXN

Take control of your money wherever you are

Built with compliance-first tech (you never lose custody)

Works with trusted local retail partners

Business payment interface
For Business

Accept Moni payments in your store or service

Reach more customers, get paid instantly, and grow with low fees. No extra hardware or bank accounts needed.

Developer coding interface
For Developers

Build with Moni's SDK's and APIs

Easily integrate cross-border payments into your app or platform with simple, flexible developer tools.

Have any questions?

We've got you.
Yes. Moni uses top-level security to protect your money and personal information. Every transaction is encrypted and transparent.
Transfers are typically completed within seconds to minutes, depending on the destination and amount.
No hidden fees. We believe in complete transparency - you'll always know exactly what you're paying upfront.
No, you don't need a traditional bank account. Moni works with various payment methods and digital wallets.
Yes! You can use Moni to make payments at Moni-enabled stores and services using QR codes or the app.