Question 1

How long does an international transfer with MON 3 take?

Accepted Answer

We always offer the fastest and most efficient way for you. However, timing depends on the method: via PIX, SPEI or Transfers 3.0, it's instant. Via Wire, same day. Via ACH, 1 business day. Via SWIFT, 1 to 3 business days. Traditional banks take 3 to 5 days.

Question 2

What are MON 3's fees?

Accepted Answer

A maximum of 2% of the transfer amount, all-inclusive, end to end. No hidden spread, no intermediary fees. That represents up to 75% savings compared to traditional banks.

Question 3

Which countries can I send money to?

Accepted Answer

We serve over 100 countries. Instant settlement in 6 countries and approximately 1 business day for the rest.

Question 4

Do I need to understand cryptocurrency to use MON 3?

Accepted Answer

No. MON 3 uses blockchain behind the scenes, but the experience is identical to a bank. You send your local currency, the recipient receives theirs. No crypto wallet knowledge needed, no complications.

Question 5

Is MON 3 safe and regulated?

Accepted Answer

Yes. Bank-grade encryption, identity verification (KYC/KYB), two-factor authentication (2FA) and infrastructure with 24/7 monitoring. We operate only with partners that are 100% regulated in every jurisdiction we serve.

Question 6

What are the minimum and maximum transfer amounts?

Accepted Answer

The minimum is $20 USD. The maximum depends on each client's profile. For high-volume operations, we offer concierge service with personalized conditions.

Question 7

How does the exchange rate work at MON 3?

Accepted Answer

Real-time market-based quotes. Before confirming, you see exactly how much the recipient will receive, with the fee already included. The amount on screen is the final amount.

Question 8

Does MON 3 accept PIX?

Accepted Answer

Yes! Create your transfer in the app, generate the PIX code and pay through your bank. Processing is instant — your international remittance starts in seconds.

Question 9

How long does it take for money to arrive in the USA?

Accepted Answer

Via RTP, minutes. Via Wire, same day. Via ACH, 1 business day. The recipient receives dollars directly in their US bank account.

Question 10

Do I need to declare international transfers on my tax return?

Accepted Answer

Consult your accountant for specific guidance. MON 3 provides detailed receipts of all transactions to facilitate your tax filing.

Question 11

Does MON 3 work for people living abroad?

Accepted Answer

Yes! Anyone in the world can sign up. We accept PIX (Brazil), ACH and Wire (USA), SPEI (Mexico), Transfers 3.0 (Argentina), UAEFTS (UAE) and SWIFT for 100+ countries. App available on Apple Store and Google Play.

Question 12

How can I track my transfer?

Accepted Answer

In real time through the app. Each step is updated automatically and you receive push notifications when the money is sent and when it reaches the recipient. All transactions are recorded with a complete receipt.

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