Move money worldwide, behind one API key.

Fintechs, payroll platforms, marketplaces, developers and wallets all hit the same wall: onboarding, accounts and payouts that land locally, rebuilt vendor by vendor, market by market. Stablecoins already won settlement (~$9T adjusted volume in 12 months, a16z 2025), yet real-world payments are only $390B (McKinsey / Artemis). The gap is the fiat last mile.

B2B stablecoin payments are now the largest real-world stablecoin segment (McKinsey / Artemis), while a wave of acquisitions keeps removing the independent, integrator-first vendors. The market is priced, and the neutral slot keeps re-opening.

tail -f consolidation.log

2025-02  bridge → stripe     $1.1B     closed · off the market
2025-05  conduit raises       $36M      series A on $10B+ volume · independent
2025-12  fern → rain         absorbed  off the market
2026-03  bvnk → mastercard   $1.8B     announced · pending close

// every exit validates the price of the layer
slot: neutral, integrator-first payout API → re-opening

Moneva Platform is one API over a network of licensed payment partners: hosted KYC, named virtual fiat accounts, payouts, compliance and monitoring. The working promise, verbatim from our docs: onboard a user, issue their account, and move money in and out, in one afternoon, against a self-serve sandbox.

GET /v1/corridors

{
  "currency": "MXN",
  "rate": 17.43,            // mid-market
  "minimum_usd": "4.58",   // fee-derived
  "estimated_arrival":
      "Within minutes",
  "transfer_methods": ["spei"]
}

One integration reaches 130+ countries through the network of licensed payment partners. The 20 published corridors, 15 active are the deepest rails: local currencies, local bank systems, minutes-fast settlement, with more in the pipeline.

130+ countries · payout coverageNot yet covered

20 published corridors, 15 active · local bank rails and currencies

USD EUR GBP MXN BRL ARS NGN KES GHS EGP INR PHP VND IDR PKR TRY JPY AED OMR QAR Next in the pipeline GTQ COP SGD CAD

Bank transfer

Local rails: SPEI, Pix, SEPA, NIBSS and more. Minutes-fast on the deepest corridors, plus SWIFT reach.

Mobile wallet

Mobile money payouts, M-Pesa-style wallets across Africa and Asia, delivered like any bank payout.

🇲🇽MXN· SPEI · ~10 min 🇧🇷BRL· Pix · minutes 🇳🇬NGN· NIBSS · minutes 🇰🇪KES· M-Pesa · minutes

Near mid-market FX. Speed examples illustrative; live per corridor from /v1/corridors.

BYO wallet: EOA, smart account, or MPC, from any vendor. Ownership is proven by wallet signature, EIP-4361 for EOAs and ERC-1271 for contract wallets, or by a one-time code on the licensed rail for non-EVM users: both open the same six-day session. No wallet migration, no SDK lock-in. TypeScript SDK and React hooks in beta; the integrator dashboard handles keys, team, usage, and exports.

Costs are World Bank Remittance Prices Worldwide, Issue 54 (Q3 2025). The stablecoin leg costs cents, settles in under a minute, and runs 24/7. Moneva all-in is illustrative, per the pricing model.

Traditional payout networks make every partner pre-fund the destination: nostro accounts, float parked per corridor, FX inventory. On Moneva, every transfer is funded just in time from the end customer's own wallet, settles on stablecoin rails, and licensed partners pay out local fiat from their own liquidity. The integrator brings neither float nor FX inventory. Nothing is pre-funded, nothing is parked.

The platform is production-deployed and running today: API, docs, and integrator dashboard, monitored around the clock. Integrations run in sandbox while the first commercial agreements are signed; live-money mode is already built and switches on per agreement. Not an engineering milestone, a signature.

dashboard.moneva.io

A full consumer neobank app built on these exact rails: iOS on TestFlight (build 17), Google Play submission in review, real mainnet transactions in the sandbox, end to end. Every hard part of the platform exists because we hit it in production first.

We take a software rake on the fastest-converting flow in payments. Sources: FXC Intelligence 2025, McKinsey, Artemis.

Self-serve sandbox to signed agreement: the one-afternoon integration is the acquisition funnel. The consumer app doubles as reference implementation and public demo.

Three illustrative tiers, negotiated per agreement on a 1- or 2-year retainer: a committed monthly minimum with included volume, where a 2-year term buys better pricing. No integration or setup fees; the integrator’s all-in lands between roughly 0.3% and 1.0% at typical ticket sizes, with a $0.50 minimum and a $250 maximum per transfer. These are Moneva’s platform fees to the integrator, not the end-customer price: the integrator sets their own fee line on top and keeps it. Fees are legs inside the transfer itself: paid the instant money moves, atomic with settlement. Zero billing infrastructure, no receivables, no integrator credit risk.

Adjacent models monetize the same flows with worse economics. Card platforms keep a slice of interchange that is split with the network and the sponsor bank and capped by regulation in Europe; banking-as-a-service sells implementation projects and rate-dependent float. Moneva charges on movement: nothing up front, a fee shared with nobody, flat per-transfer costs underneath.

Bridge is inside Stripe, BVNK is joining Mastercard, and Fern was absorbed by Rain: the independent slots are emptying out. Moneva: a $1,000/mo entry floor, roughly 0.3% to 1.0% all-in negotiated per agreement, never more than $250 per transfer, zero integration or setup fees, and the integrator's own fee line as a first-class product feature.

Provider	Pre-fund a fiat balance?	Published entry cost	Time to production	Self-serve sandbox
Payoneer	Required	Rate card only	Not stated	Partial
Nium	Required	Not published	Not stated	Yes
Thunes	Required	Not published	Not stated	None
Rapyd	Required, plus reserve	Cards only	Up to 30 days	Yes
Column	Locked reserve	Not published	Not stated	Yes
Rain (Fern)	Required	Not published	Not stated	Access-code gated
Griffin	n/a	From £15k + £3.5k to £10k/mo	6 to 8 weeks	Yes
Moneva	None. Per-transfer settlement	From $1,000/mo · no setup fee	Sandbox today	Yes

Assessment from each provider’s own public documentation, July 2026 (sources below), except Rain, whose API docs are access-gated and whose pre-funding requirement is from direct market knowledge. Wise Platform is the one documented exception on pre-funding: its bulk settlement extends credit, but only to “select partners”. Integrating Bridge or BVNK means building on an acquirer’s roadmap. Moneva routes over a network of licensed payment partners and stays independent of any one of them.

SourcesPayoneer payoutsNium docsThunes on pre-fundingRapyd go-liveRapyd pricingColumn go-liveFern → RainGriffin pricingWise Platform docsBVNK × MastercardBridge, a Stripe company

The moat is not "we use stablecoins". It is corridor depth, reliability, and a fee mechanism nobody else ships, each getting harder to copy with every corridor we bring up.

"Integrators bring their own wallets. Moneva never holds keys, never commingles, never takes deposits." We are software on top of licensed rails, with no custodial surface to regulate.

The platform is live and our own app is integrated end to end. Capital converts a working product into paying integrators and the repeatable economics that get Moneva to a seed round.

Backing a technical founder who has shipped on-chain financial infrastructure, operated inside banking and fintech, raised capital, and built the live platform end to end, with a co-founder running partnerships and operations.

Chester Bella

Founder & Product Developer · Moneva

• Ex-N26, banking operations; Product Owner at Europace, Germany's largest mortgage platform
• Hands-on founder, building Moneva end to end

Danny Boahen

Co-founder & Business Operations · Moneva

• Ex-N26, banking operations; ex-Interhyp, Germany's largest residential mortgage broker
• Owns business operations: partnerships, integrator pipeline and commercial ops

Together University classmates ETHDenver speakers Multiple ecosystem grants Built a DeFi perps protocol · ~$267K community raise arXiv whitepaper co-authors ↗

Raising

$250K

Post-money SAFE · $10M cap · 2.5% to investors · ~9 months at a ~$28K monthly burn

Use of funds

40%Engineering, product & security · $100K

25%Compliance, legal & partner ops · $62.5K

25%Growth & corridor launches · $62.5K

10%Support, risk & contingency · $25K