How long does an international transfer with MON 3 take?

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.

What are MON 3's 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.

Which countries can I send money to?

We serve over 200 countries. Instant delivery in 16 countries and approximately 1 business day for the rest.

Do I need to understand cryptocurrency to use MON 3?

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.

Is MON 3 safe and regulated?

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.

What are the minimum and maximum transfer amounts?

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

How does the exchange rate work at MON 3?

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.

Does MON 3 accept PIX?

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.

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

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

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

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

Does MON 3 work for people living abroad?

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.

How can I track my transfer?

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.

Is MON 3 trustworthy?

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.

How does MON 3 protect my money?

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.