Monetic enables any business to operate like a modern bank account — without a bank — by using stablecoins, programmable wallets, and digital payment rails.
USDC is fast, stable, and trusted.
Unlike volatile crypto, Monetic uses a 1:1 backed stablecoin built for speed, transparency, and programmable commerce.
Every USDC is backed by cash and U.S. Treasuries — fully audited monthly.
Customers send USDC directly to your wallet with Monetic Pay.
Send, receive, and spend USDC anywhere — 24/7, borderless.
Program settlements, splits, or disbursements — all onchain.
The customer initiates a peer-to-peer payment in USD or onramps to Monetic Pay.
Funds are converted to USDC stablecoins using our onramp partners.
USDC is deposited into your secure, non-custodial Monetic wallet.
You hold, send, or spend funds just like a bank account — onchain, through a card, or via ACH/wire.
Optional: off-ramp back to fiat.
Monetic wallets are non-custodial by design. Your wallet is yours alone, ensuring you always have full control over your funds. We never take custody.
Because you control your wallet, you're never locked in. You can export your wallet and manage your assets independently whenever you choose.
Don't like our dashboard interface? Our core dashboard components are open-source. Fork the code and run your own tailored version.
Integrate Monetic's capabilities directly into your existing systems. We offer robust APIs for programmatic control over wallets, payments, and more.
API access and whitelabel services are available for partners. Contact us to learn more →