Moneta is opening soon.
Security & trust
Controls first. Convenience second.
Every payment, conversion and new beneficiary can require a second approver. Moneta is built the way regulated infrastructure is built: verified onboarding, dual approvals, segregated funds and a full audit trail, on every plan, from day one.
Regulated & partnered
AFSL Australia
ADGM UAE
Accounts in your name
Maker-checker approvals
No single person moves money alone
Every payment, conversion and new beneficiary can require a second pair of eyes before it executes. The person who creates a payment is never the person who releases it. The 2-step check is enforced by the platform itself.
Dual approval on payments, FX and new beneficiaries
Approval thresholds by amount: small payments flow, large ones wait
Nothing leaves the account until the workflow completes
Payment
USD 18,400.00
Created by
Admin
First approval
Approved · Approver
Second approval
Awaiting · Second approver
Status
Held until approved
Roles & permissions
Everyone sees exactly what their role allows
Access is granted per user, per capability. Your bookkeeper can see statements without being able to pay anyone. Your operations team can create payments without being able to approve their own. Admin rights stay where you put them.
Admins, approvers, initiators and view-only roles
Permission-checked on every action, not just at login
Add or revoke access instantly as your team changes
Operations
Create payments
Finance
Approve to €25k
Director
Full admin
External bookkeeper
View only
Verified onboarding
We know every business on the platform
Every business on Moneta is examined before its account opens: registry-verified company details, identity checks on directors and beneficial owners, and a real review of what the business does and where. Registry checks and director ID run before the account opens, so payments are not held for verification evidence later.
Company details verified against the official business registry
Directors and beneficial owners verify ID on their own devices
A review of your activity and corridors before approval
Onboarding review
Registry lookup
Verified
Directors ID’d
2 of 3 · 1 pending
Beneficial owners
Confirmed
Business review
In progress
Decision
Awaiting review
Your money
Your money stays yours
Client funds are held with regulated partner institutions, separate from Moneta’s own operating funds, in accounts under your business’s name.
Client funds segregated from Moneta’s own funds
Accounts in your business’s name, held with regulated partners
Moneta is a financial technology company, not a bank
Client funds
Account name
Your business’s name
Held with
Regulated partner institution
Structure
Separate from Moneta’s funds
Settlement
Regulated partner bank
Audit & reporting
Every action, logged and exportable
Who created it, who approved it, when. Every action in the platform is recorded and available to you, in the same screen your team works in. Statements and full transaction exports are free on every plan, and FX executions are recorded with the mid-market rate and spread, so your auditors get the trail they actually ask for.
Ongoing compliance
Screening and monitoring run continuously
Screening, monitoring and regulatory reporting are built into the platform, operating under our AFSL in Australia, with an ADGM (UAE) entity behind our international corridors.
Ask us the hard questions.
Ask us who holds the money and under which license. Get early access when you’re ready.