Money, butweightless.

A premium neobank built on a real-time double-entry ledger. Cards, accounts, crypto, identity — wired together, audited continuously, weightless to use.

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SEPA · BIC · MONTDE22 · €184M AUM

DOUBLE-ENTRY LEDGERSUB-SECOND SETTLEMENTOFAC + EU + UN SCREENINGISO 20022 · SWIFTOPENTELEMETRYPCI-DSS L1GDPR · DORATRAVEL-RULE COMPLIANTDOUBLE-ENTRY LEDGERSUB-SECOND SETTLEMENTOFAC + EU + UN SCREENINGISO 20022 · SWIFTOPENTELEMETRYPCI-DSS L1GDPR · DORATRAVEL-RULE COMPLIANTDOUBLE-ENTRY LEDGERSUB-SECOND SETTLEMENTOFAC + EU + UN SCREENINGISO 20022 · SWIFTOPENTELEMETRYPCI-DSS L1GDPR · DORATRAVEL-RULE COMPLIANT

◇ The architecture

Fourprimitives.Onecoherentsystem.

Built like an exchange, regulated like a bank. Every layer designed to be auditable, observable, and impossible to overdraw.

Real-time double-entry ledger

Every transaction posts as a balanced debit/credit pair. Sub-second settlement, fully auditable, zero rounding drift.

Sanctions-grade KYC

Multi-provider orchestration with continuous monitoring against OFAC, EU, UN and HM Treasury lists.

Cards forged in metal

Recycled aerospace alloy. No-FX up to €5k/mo. Apple Pay, Google Pay, click-to-pay everywhere.

Crypto, custodial-grade

On-ramp BTC, ETH, USDC in 30 seconds. Cold-storage by default. Travel-rule compliant.

A bank should feel
like nothing at all.

Founding principle · Montes

€184M

Assets under management

2.4M

Transactions / day

0.18s

Median settlement

99.998%

API uptime · 90d