Frequently Asked Questions
Everything you need to know about MON 3
General
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.
Consult your accountant for specific guidance. MON 3 provides detailed receipts of all transactions to facilitate your tax filing.
Yes! Anyone in the world can sign up. We accept PIX (Brazil), ACH, Wire and RTP (USA), SPEI (Mexico), Transfers 3.0 (Argentina), PSE (Colombia), UAEFTS (UAE), SEPA (Europe) and SWIFT for 200+ countries. App available on Apple Store and Google Play.
Transfers
From seconds to 3 business days, depending on the method: via Pix, SPEI or Transfers 3.0 the transfer is instant; via Wire, same day; via ACH, 1 business day; via SWIFT, 1 to 3 business days. Traditional banks take 3 to 5 days.
We serve over 200 countries. Instant delivery in 16 countries and approximately 1 business day for the rest.
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.
Via RTP, minutes. Via Wire, same day. Via ACH, 1 business day. The recipient receives dollars directly in their US bank account.
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.
Security
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.
Yes. MON 3 is operated by Montres Global LTDA (Brazilian registry CNPJ 56.442.269/0001-82) and was founded in 2025. It is an official Circle partner — one of the largest payment-infrastructure companies in the world — and works only with regulated financial institutions in each country. Every transfer goes through identity verification and your data is protected with bank-grade encryption.
With bank-grade encryption, identity verification on every account, two-factor authentication and 24/7 monitoring. Transfers run through regulated financial institutions in each country.
Fees
A maximum of 1.8% of the transfer amount, all-inclusive, end to end. No hidden exchange cost, no intermediary fees. That represents up to 75% savings compared to traditional banks.
The minimum is $20 USD. The maximum depends on each client's profile. For high-volume operations, we offer concierge service with personalized conditions.
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.