This is a look at what we are building, why we built it, and an invitation for the right businesses to help us make it better.
Every business we talk to that touches stablecoins runs into the same wall.
The infrastructure to hold and move USDT or USDC exists. But it is expensive to scale. Monthly fees. Caps on how many wallets you can create. Fees just to receive a deposit. If you are building a remittance app, a payroll tool, or a marketplace with global sellers, you end up rationing wallets deciding which users deserve one based on cost, not need.
We think that is backwards.
If stablecoins are going to work as infrastructure for African businesses and we believe they will then the cost of holding and moving them needs to get out of the way. So we built something different.
What We Built
Free, unlimited stablecoin wallets for your business and every one of your users with no monthly fee, no wallet cap, and no deposit charge.
Each wallet accepts USDT and USDC across five networks:
You create as many wallets as your product needs. Your users each get their own. Deposits arrive with no fee charged on receipt. We cover gas.
The only fee is on withdrawal: 0.2%, with a $2 minimum and a $20 maximum cap. That is the entire pricing model.
The Pricing, Plainly Stated
We want this to be the clearest pricing you have seen in stablecoin infrastructure.
No monthly subscription. No per-wallet fee. No surprises on deposits. The cost only appears when value moves out and it is capped so that large withdrawals do not become disproportionately expensive.
To put it in numbers: a business withdrawing $10,000 in USDT pays $20. A business withdrawing $500 pays $2. The fee never exceeds $20 regardless of withdrawal size.
Why We Built It This Way
The existing model for stablecoin infrastructure charges businesses before they generate any value. Monthly fees start from day one. Wallet caps mean you have to choose which customers get access. Deposit fees penalise inflows.
This creates a structural problem for African builders in particular. If you are building a remittance product in Lagos or a payroll tool in Nairobi, your unit economics need room to breathe during the early stages. Infrastructure costs that kick in before you reach scale work against you.
We wanted to build something where the cost only appears when you are moving money which is the moment value is already being created. Unlimited wallets, free to create and hold, with a single transparent fee on withdrawal. That aligns our incentives with yours.
What You Can Build on Top of This
Issue a unique USDT or USDC wallet per sender. Receive deposits across five networks. Withdraw on settlement without per-wallet overhead.
Create wallets for each employee or contractor. Fund in stablecoin. Pay out across borders without the FX conversion overhead of traditional rails.
Give every seller their own wallet. Hold earnings in USDT or USDC. Withdraw when ready, in the currency and network that suits them.
Use Monirates wallets as the settlement layer underneath your product. Accept stablecoin, hold it, move it without building custody infrastructure yourself.
If your product involves collecting, holding, or moving USDT or USDC for your business or on behalf of your users this is infrastructure you can build on directly.
What You Get vs. What You Do Not Pay For
- Unlimited wallets — create as many as your product needs, for your business and your users
- USDT and USDC support across Polygon, Arbitrum, Base, Tron, and Solana
- Zero deposit fees — every inbound transfer arrives in full
- Gas covered — we absorb network transaction costs
- Simple withdrawal fee: 0.2%, capped at $20
- API access — integrate directly into your platform programmatically
- No monthly subscription fee
- No per-wallet creation fee
- No cap on the number of wallets you can issue
This Is Beta — Here Is What That Means
We are onboarding businesses on a rolling basis. We want to build alongside real users moving real stablecoin volume and use what we learn to make this genuinely production-ready before we open it up fully.
This means you will get direct access to our team during onboarding. We want to understand your product, your volumes, and where the infrastructure needs to go further. In return, you get early access to pricing and features before the wider release.
We are not looking for beta users who want to test something passively. We are looking for businesses that are actively buildin or ready to build on top of stablecoin infrastructure, and who will push it properly.
If that is you, the application is short and the conversation moves quickly.
Who Should Apply
We are particularly interested in talking to:
- Remittance platforms processing cross-border payments that currently rely on expensive correspondent banking or single-network stablecoin infrastructure
- Payroll tools disbursing to contractors or employees across Africa and globally in stable currency
- Marketplaces with sellers or vendors in multiple countries who need a neutral, stable currency to hold earnings
- Crypto-native businesses that need custody and movement infrastructure without building it from scratch
- Fintech builders anywhere in Africa who are moving stablecoin volume and hitting the cost walls of existing infrastructure
If you are not sure whether this fits your product, apply anyway or speak to the sales team. The conversation costs nothing and we will tell you honestly whether this is the right infrastructure for what you are building.
Get Early Access
We are onboarding on a rolling basis. Applications are open now.
Monirates. No Borders, No Limit.
