Regulated rails for digital assets.

Monavate OnChain gives digital asset businesses the same regulated payments infrastructure that powers established fintechs. Card issuing, settlement, and global processing, inside one regulated perimeter.

The Problem

Most digital asset businesses are stuck between two systems.

The technology works. The payments layer is where it breaks.

Regulated access is the bottleneck

Getting a card programme live means finding a regulated issuer willing to underwrite a digital asset business. Most are not. The ones that are often sit behind three layers of intermediary.

On-chain and off-chain do not meet cleanly

Wallet infrastructure and card infrastructure were built separately. Connecting them usually means stitching together vendors and owning the gaps yourself.

Compliance is treated as an add-on

KYC, AML and transaction monitoring designed for fiat rails do not transfer neatly to on-chain activity. Retrofitting them is slow and rarely satisfies anyone.

How we solve it

One regulated platform, built for both rails.

Monavate is an FCA-regulated e-money institution and a principal member of Mastercard, Visa and Discover. That means direct BIN sponsorship without intermediaries, and a single regulated perimeter covering issuing, processing and settlement.

We do not treat digital assets as a separate product line bolted onto a fiat platform. The same infrastructure that has issued over 6.5 million cards and processed more than USD 13.5 billion serves OnChain programmes.

Modular and Scalable

The blocks you build with.

On-Chain Spending

Connect wallets to real-world payments with real-time authorisation logic.

Card Issuing

Physical and virtual cards linked to digital assets, issued under direct BIN sponsorship.

Tokenisation

Apple Pay, Google Pay and Samsung Pay support, so digital assets work where your users already spend.

Stablecoin Settlement

Predictable, cost-efficient movement of value at global scale, without correspondent banking.

Accounts and IBANs

Local and international accounts, so value moves between wallet, card, bank and chain in one stack.

Global processing

Reach across 150 countries and more than 40 active programmes.

Compliance frameworks

KYC, AML and transaction monitoring built for on-chain and off-chain activity together, not adapted after the fact.

The Value This Creates for You.

Speed to market

Direct scheme membership removes a layer of intermediaries and the delay that comes with them.

Regulatory footing

Your programme sits inside a regulated perimeter from day one.

Operational simplicity

On-chain and off-chain payments through one integration.

Global scale

Expand across markets without rebuilding.

User Experience

Real-world spending that works the way your users expect.

Engagement Model

How We Work With You.

Direct Integration

Full access to the regulated payments stack under your own programme. For established digital asset businesses with the internal capability to run a programme.

Managed & Co-Branded Programmes

Fully managed programme models, including shared BIN access through MonavateX. For businesses moving quickly, or launching without the overhead of a dedicated programme.

The platform does not change

The infrastructure is the same. The regulatory cover is the same. Only the depth of engagement changes.

See how MonavateX works

Built with the businesses defining the category.

FAQ Section

Frequently Asked Questions

What licensing do you require from digital asset businesses?

Can we use our existing KYC provider?

Do you support tokenisation?

What is the difference between OnChain and MonavateX?

Let's Chat

Ready to build?

Speak to the OnChain team.

Get in Touch

Links

Solutions

Chat to Us

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.
‍
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