The software underneath your product
MonCore operates the software and orchestration layer beneath your product — accounts, payments, cards, FX, onboarding, and the compliance and reconciliation workflows around them. Regulated financial services are provided through a licensed EMI, with MonCore as its Electronic Money Distributor (EMD).
The operating layer, designed as one system
Each area is designed to work together under one platform, so you don’t stitch separate systems together.
Accounts & wallets
IBAN-enabled payment accounts and multi-currency balances, with statements and sub-accounts.
Payments
SEPA payments, internal and P2P transfers, and open-banking payment initiation.
Cards
Physical and virtual payment cards with controls and funding — card programmes subject to issuer approval.
FX
Currency conversion between supported currencies inside the product.
Onboarding & compliance
KYC / KYB / UBO orchestration and AML / transaction-monitoring workflows.
Reconciliation & reporting
Reconciliation workflows, audit trails and reporting, designed in from the start.
MonCore operates the software. Regulated services come from partners.
MonCore is the operating and orchestration layer — not the bank, EMI or card issuer. Regulated financial services are delivered by a licensed EMI, of which MonTech Group UAB is an Electronic Money Distributor (EMD). MonCore is in private preview, with issuer integration in progress.
Trust & compliance approachBuild the product. We run the software underneath.
Availability of specific capabilities is subject to programme, issuer, jurisdictional and compliance approval.