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Modern Fintechs

Everything you need to launch, run and scale a fintech. One platform.

Cards, accounts, processing, settlement and compliance: the full stack through one integration, inside one regulatory framework. Launch in weeks, not quarters.

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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 challenge we solve

Build fast. Scale safely. Operate globally.

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Faster Time to Market

Launch in months, not years - using proven regulatory framework and principal scheme memberships.

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Single Integration

One connection powers issuing, acquiring, processing, IBANs and reporting.

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Embedded Compliance

Operate under Monavate's UK and EEA regulatory framework with KYC, AML and governance built in.

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Global Capability

Settle in GBP, EUR, USD, CHF, and CAD, with optional stablecoin settlement in USDC and EURC.

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Experienced Delivery

Work directly with teams who have launched and scaled hundreds of fintech programmes.

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Who this is for

Who we power.

From disruptors to digital banks - we’re the infrastructure beneath tomorrow’s fintech leaders.

Neobanks & Digital Wallets

Launch consumer or SME programmes with SCA-ready controls.

Expense & Spend Management Platforms

Enable policy-driven spend with real-time reporting.

Embedded Finance Providers

Integrate issuing and payments directly into your ecosystem.

Lending, BNPL & Payment Platforms

Disburse funds instantly using controlled card-based flows.

WealthTech & PropTech

Combine accounts, cards, and payments into seamless user experiences.

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core capabilities

Everything you need to launch & scale a Fintech programme.

Card Issuing and BIN Sponsorship

Launch branded physical or virtual cards under Monavate's principal memberships, with real-time controls and multi-currency funding.

Explore Card Issuing

Global Processing

Authorise and clear transactions in real time, with clean, actionable data across currencies and regions.

Explore Processing

Settlement & FX

Cross-border settlement in GBP, EUR, USD, CHF, and CAD.

Explore Settlement & FX

IBANs and vIBANs

Connect fiat in and out of your programme with dedicated accounts and automated reconciliation.

Explore IBANs

KYC, AML, PEPs and Sanctions

Verify, screen, and monitor customers automatically, with compliance embedded directly into onboarding and transaction flows.

Explore Compliance

Reporting and Data

Operational, regulatory, and commercial insight in real time, export-ready and audit-friendly.

Explore Reporting

Let's build your MODERN fintech programme.

From economic modelling to launch, we will map your path from concept to first transaction.
Speak to our team
Speak to our team