Built Smarter, for a Global Generation
BMONI gives individuals and businesses a seamless way to hold, spend, and move money globally — with multi-currency wallets, instant transfers, international cards for spending and powerful tools powered by AI to manage finances across borders.
USD and EUR Accounts
Manage Six currencies in One Multi-currency wallet..
Hold USD, EUR, GBP, MXN, NGN, and CAD simultaneously in separate wallets – each with its own balance, transaction history, and funding options. Receive payments in one currency, spend in another, and convert between them instantly at transparent rates. Built for people whose financial lives don’t stay in one country.
One dashboard. Every financial operation.
Run your entire business finances from a single platform. Pay suppliers locally and internationally, issue invoices, manage multi-currency wallets, and give your team business cards to track expenses. Built for companies that operate across borders and need an easy and modern financial dashboard to match.
Fund your USD wallet with bank transfers or Stablecoins
A modern financial experience
Add funds to your BMONI USD wallet via standard bank transfer or by depositing USDC directly from your crypto wallet – supported on Ethereum, Polygon and more. No conversion delays, no third-party intermediaries. Your USD balance is ready to spend, send, or hold the moment it arrives.
Global Transfers
Send funds from your BMONI wallet directly to bank accounts in multiple countries, through our licensed global transfer partners. No branch visits, no SWIFT delays, no excessive fees. Whether you’re paying an international supplier, supporting family abroad, or moving your own money between countries, BMONI makes global transfers as simple as sending a message.
Smart Currency Conversion
Swap currencies in seconds.
Convert between USD, EUR, GBP, MXN, NGN and CAD in seconds, at competitive rates. No hidden fees, no delays, just smarter, transparent conversions whenever you need them.
Friends & Transfers
Send, Request & Connect.
Add friends on BMONI to send or request funds in seconds. Whether it’s splitting a bill or paying a friend, BMONI makes it fun, social, and completely secure.
Virtual & Physical Cards
Get a virtual card instantly and a physical card delivered to your door — accepted at over 100 million merchants and ATMs worldwide. Pay for Netflix, Spotify, AWS, travel bookings, or everyday purchases in any currency, with no foreign transaction fees. Create multiple virtual cards to separate your spending — one for subscriptions, one for travel, one for work. Manage, freeze, and track every card directly from the app.
BMONI is a financial technology company, not a bank. Banking and payment services are provided by licensed partners. BMONI is a product of BKEY Inc., a Delaware corporation.
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