BMONI - Like your Bank but Better
BMONI combines fresh thinking and modern tech like Stablecoin and AI to create compliant bank-like services that are cheaper and smarter without the usual banking limitations getting in your way. Backed by trusted banking partners, BMONI lets you save, send, spend and receive money globally without the limitations of traditional banks.
Whether you want simply want to save your hard-earned salary in USD, BMONI makes it easy to manage your money smarter and safer.

WHY BMONI?
Traditional banking often comes with restrictions, delays, and high fees, especially across borders. BMONI was built to solve this. With patented AI security, regulated stablecoins, and multi-currency tools, we help you:
- Protect your earnings from inflation by saving in stable USD.
- Spend anywhere with global-ready virtual and physical cards.
- Send and receive money instantly, without long delays or high fees.
- Access local account details in multiple currencies so clients, employers, and family can pay you like a local.

KEY FEATURES
Smart Salaries & Freelancers
- Employers can pay salaries directly into BMONI wallets.
- Freelancers get dedicated NGN and USD accounts to receive payments worldwide.
- Payments arrive instantly and can be saved instantly in USD to protect value.

For Trade & Small Businesses
- Pay suppliers in foreign currencies without delays, including China.
- Convert profits instantly into USD.
- Manage expenses with dedicated business cards.

Multi-Currency Accounts
Receive & send money instantly with local NGN and USD virtual accounts.
- Instantly switch between currencies.
- Save in USD to preserve value against inflation.
- Use your wallet for local and international transactions.

Local, Virtual & Global Cards
Create multiple virtual or physical cards for every need including travel, subscriptions or everyday spending.
- Accepted locally and globally at over 80 million locations.
- Secure online shopping with virtual cards.
- Withdrawals worldwide in over 2.5 million ATMs.

Instant Transfers
Move money in seconds, locally or across borders.
- Send to family or pay suppliers
- Avoid long delays from traditional wire transfers.
- Fair exchange rates.

WHO IS BMONI FOR?
- Small Businesses - Pay suppliers in China, and handle expenses with ease.
- Salary Earners - Lock your salary in USD to avoid devaluation of local currency.
- Freelancers & Remote Workers - Get paid globally, like a local.
- Cross-Border Families - Send money home instantly and affordably.
- Travellers - Spend anywhere with global cards and multi-currency accounts.

UNMATCHED SECURITY
BMONI is powered by over 22 patented biometric technologies for security and access control.
- Your funds are secured by a biometric cryptographic key generated by your face scan on your device.
- No keys are ever stored, so there’s nothing for hackers to steal.
- No passwords, no PINs — eliminating risks from stolen or reused logins.

Every transaction is validated on a public cryptographic ledger (blockchain), ensuring it’s authorised and traceable.

STABLE-COINS YOU CAN TRUST
BMONI uses only licensed, regulated stable-coins, each backed 1:1 by cash held in banks.
- NGN stable-coins backed by Nigerian banks.
- USD stable-coins backed by U.S. banks.
- All reserves independently audited by third-party auditors.
- Subject to strict regulatory oversight for complete transparency.

Download BMONI today and experience smarter, safer, and faster money.