0%
Transaction fees
<1s
Settlement time
400+
Stablecoins across 30+ currencies
Traditional payments are broken.
Every transaction goes through a maze of intermediaries, each taking their cut. A simple cross-border payment can lose 8-15% to fees and take days to settle.
On $100K/month
Save $34,800/year
Where does your money go?
Traditional cross-border payments pass through up to 6 intermediaries. Each one takes a cut.
Total lost to fees
~$12
Time to settle
5-15 days
Intermediaries
6
Total fees
$0
Time to settle
<1 sec
Intermediaries
0
Calculate your savings
See how much you could save by switching to Moneta.
Monthly fees (3.49% + $0.49)
-$4,470
Monthly fees (3.4% + $0.30)
-$4,000
Monthly fees (0% + $0)
$0
Your annual savings with Moneta
$53,640
How it works
Accept any stablecoin, receive in your preferred currency. Powered by Sera Protocol.
Customer pays
Customer scans QR or clicks payment link. Pays in any stablecoin they hold.
Instant swap
Sera Protocol converts to your preferred currency at the best market rate.
You receive
Funds arrive in your wallet instantly. No waiting, no intermediaries.
Built for everyone
From solo freelancers to enterprise treasury teams.
Merchants
Accept stablecoin payments online or in-store. Customer pays in BRL, you receive SGD.
Try merchant demoDevelopers
Integrate in minutes with our TypeScript SDK. Full API access and webhooks.
Read documentationOpen source.
Free forever.
Moneta is MIT licensed. Fork it, modify it, self-host it. We believe payment infrastructure should be a public good.
import { Moneta } from '@moneta/sdk';
const moneta = new Moneta({
apiKey: process.env.MONETA_API_KEY
});
// Create a payment link
const payment = await moneta.payments.create({
amount: 100,
currency: 'USDC',
description: 'Invoice #1234'
});
console.log(payment.url);
// https://pay.moneta.io/p/abc123