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Accounts and wallets.

Accounts and wallets.

Accounts and wallets.

Give your users an electronic payment fund account or a wallet, without them needing to obtain their own license.

Give your users an electronic payment fund account or a wallet, without them needing to obtain their own license.

Offering accounts and wallets to your users today means getting your own license or relying on a sponsor bank that limits what you can build and how fast you can launch.

Offering accounts and wallets to your users today means getting your own license or relying on a sponsor bank that limits what you can build and how fast you can launch.

How it works

How it works

Activate electronic payment fund accounts, or wallets for simpler cases, on the Monato infrastructure.

Each user receives their own CLABE (account) or an internal balance (wallet), depending on the level they need.

Balances and every movement are available in real time within your platform.

Key benefits

Key benefits

Dedicated CLABE per user on full accounts, with no additional license for your company.

Wallets for simpler use cases, with lower onboarding friction.

SPEI In and cash networks fund both. Withdrawal and SPEI Out apply only to full accounts; wallets remain in a closed loop.

Monato's regulatory backing from the CNBV, under its own IFPE license.

Industries

Industries

Fintechs

Neobanks

Products included

Move money with SPEI

Move money

with SPEI

View product

Wallets

View product

Accounts

View product

Cash network

View product

Are you looking to give your users their own balance within your platform, without building the regulated infrastructure yourself?

Are you looking to give your users their own balance within your platform, without building the regulated infrastructure yourself?

Fintechs and neobanks are already activating wallets for their users on Monato's infrastructure, with SPEI In/Out and a cash network connected from the start. ⚑

Fintechs and neobanks are already activating wallets for their users on Monato's infrastructure, with SPEI In/Out and a cash network connected from the start. ⚑

Schedule a call

Av. México 45 int 1B-2B, colonia Hipódromo Condesa, alcaldía Cuauhtémoc, C.P. 06100, Ciudad de México

Documentation

Products

Move money with SPEI

Direct debit

Bill pay

International payments

Cash network

Account verification

Embedded accounts

Wallets

Embedded lending

Servicing

Facilities

Credit as a service

Solutions

Collect & payouts

Turn your users into revenue

Recurring payment

Move money internationally

Non-Dilutive credit funding

Accounts & wallets

Monato Agregador, S.A de C.V.,  operates as a technology platform (marketplace). The financial services available through this platform are provided by the entities identified below, each under its own licenses and authorizations:

  1. The electronic transfer services via SPEI available through this platform are offered and operated by Finco Pay, S.A. de C.V., Institution of Electronic Payment Funds ("IFPE"), duly authorized, regulated, and supervised by the National Banking and Securities Commission (CNBV) and the Bank of Mexico (Banxico). Users contract these services directly with the IFPE.

  2. Credit services (Credit as a Service, Embedded Lending, Facilities) are offered and granted exclusively by Monato Strategic Finance, S.A. de C.V. SOFOM ENR, which is part of the Monato corporate group.

  3. International payment services (cross-border payments) are processed through authorized providers specializing in cross-border payments. The applicable fees and exchange rates are determined by the respective providers.

  4. Bill payment (bill pay) and direct debit services are operated by  Monato Tech, S. de R.L. de C.V., and companies belonging to the Monato corporate group. Corporate information, current licenses, and regulatory notices are published at monato.com.

LinkedIn

Instagram

© 2026 Monato. All rights reserved.

Privacy Policy

Av. México 45 int 1B-2B, colonia Hipódromo Condesa, alcaldía Cuauhtémoc, C.P. 06100, Ciudad de México

Documentation

Products

Move money with SPEI

Direct debit

Bill pay

International payments

Cash network

Account verification

Embedded accounts

Wallets

Embedded lending

Servicing

Facilities

Credit as a service

Solutions

Collect & payouts

Turn your users into revenue

Recurring payment

Move money internationally

Non-Dilutive credit funding

Accounts & wallets

Monato Agregador, S.A de C.V.,  operates as a technology platform (marketplace). The financial services available through this platform are provided by the entities identified below, each under its own licenses and authorizations:

  1. The electronic transfer services via SPEI available through this platform are offered and operated by Finco Pay, S.A. de C.V., Institution of Electronic Payment Funds ("IFPE"), duly authorized, regulated, and supervised by the National Banking and Securities Commission (CNBV) and the Bank of Mexico (Banxico). Users contract these services directly with the IFPE.

  2. Credit services (Credit as a Service, Embedded Lending, Facilities) are offered and granted exclusively by Monato Strategic Finance, S.A. de C.V. SOFOM ENR, which is part of the Monato corporate group.

  3. International payment services (cross-border payments) are processed through authorized providers specializing in cross-border payments. The applicable fees and exchange rates are determined by the respective providers.

  4. Bill payment (bill pay) and direct debit services are operated by  Monato Tech, S. de R.L. de C.V., and companies belonging to the Monato corporate group. Corporate information, current licenses, and regulatory notices are published at monato.com.

LinkedIn

Instagram

© 2026 Monato. All rights reserved.

Privacy Policy

Av. México 45 int 1B-2B, colonia Hipódromo Condesa, alcaldía Cuauhtémoc, C.P. 06100, Ciudad de México

Documentation

Products

Move money with SPEI

Direct debit

Bill pay

International payments

Cash network

Account verification

Embedded accounts

Wallets

Embedded lending

Servicing

Facilities

Credit as a service

Solutions

Collect & payouts

Turn your users into revenue

Recurring payment

Move money internationally

Non-Dilutive credit funding

Accounts & wallets

Monato Agregador, S.A de C.V.,  operates as a technology platform (marketplace). The financial services available through this platform are provided by the entities identified below, each under its own licenses and authorizations:

  1. The electronic transfer services via SPEI available through this platform are offered and operated by Finco Pay, S.A. de C.V., Institution of Electronic Payment Funds ("IFPE"), duly authorized, regulated, and supervised by the National Banking and Securities Commission (CNBV) and the Bank of Mexico (Banxico). Users contract these services directly with the IFPE.

  2. Credit services (Credit as a Service, Embedded Lending, Facilities) are offered and granted exclusively by Monato Strategic Finance, S.A. de C.V. SOFOM ENR, which is part of the Monato corporate group.

  3. International payment services (cross-border payments) are processed through authorized providers specializing in cross-border payments. The applicable fees and exchange rates are determined by the respective providers.

  4. Bill payment (bill pay) and direct debit services are operated by  Monato Tech, S. de R.L. de C.V., and companies belonging to the Monato corporate group. Corporate information, current licenses, and regulatory notices are published at monato.com.

LinkedIn

Instagram

© 2026 Monato. All rights reserved.

Privacy Policy