Monflo

Your Monflo account comes with its own IBAN. Give it to your employer, a client, or a friend, and they pay you the same way they pay any other account. The euros arrive in your Monflo account as euro stablecoins, ready to use. Pay your bills, send money to friends, or keep it in your account.

Send stablecoin euros from your Monflo account to a friend, landlord, or family member. You only need their IBAN. They receive normal euros in their regular bank account. They do not need a Monflo account or any knowledge of crypto. Sending money works in the usual way. You simply use your Monflo account.

🌱 Something exciting is coming to Monflo! Get ready to put your euro stablecoins to work with Monflo Earn. Here's what you can look forward to: • Earning and growing — Earn yield on your euro stablecoins, currently around 2.8% per year. • You're in control — Choose how much to put into Earn. The rest stays in your Monflo account as usual. • Real-time yield — Watch your yield accumulate in real time, directly in Monflo. With Monflo Earn, your selected funds are lent through Aave, an established crypto lending and borrowing platform. Yield comes from interest paid by borrowers, and there is no fixed lock-up period. We're getting ready to bring Earn to Monflo. Stay tuned for more details as we get closer to launch! 🚀 monflo.com Disclaimer: Yield rates are variable and may change over time. Crypto lending involves risks, including the potential loss of funds.

We’re excited to share that our CEO, Chhay Lin Lim, will be speaking at the Financieel Off-grid Weekend! 🎤 Chhay will share his insights on Monflo and financial autonomy, exploring how digital money can offer greater financial freedom and flexibility. 📅 27–29 November 2026 📍 Château de Hodbomont · Theux, Belgium The Financieel Off-grid Weekend is a weekend of presentations and discussions about alternative approaches to money and finance. We’re excited to be part of the conversation. See you there! 👋 Learn more, view the full programme and registration details: liberamentis.org/event/finan… #Monflo #OffGridWeekend #Stablecoins #FinancialAutonomy

Some clients want to pay in crypto. Some suppliers want to be paid in crypto. With a business account at Monflo, your business can receive and send crypto from the same account it uses for euros. When crypto comes in, you can keep it, swap it for stablecoin euros, or send it on to a supplier from Monflo on Web. Euros and crypto for your business, in one account.

If a friend pays you in crypto or a client pays part of an invoice in crypto, the funds arrive in your own wallet at Monflo. This wallet is in the same account you use for euros. You do not need a separate crypto app. After you receive the crypto, you can keep it, swap it for stablecoin euros, or send it to someone else from your Monflo account. Receive euros and crypto in one account.

A personal account costs €3.99 per month. A business account costs €14.99 per month. For both, the first month is free. The €3.99 price for personal accounts runs until 1 January 2027. Both accounts work the same way. You get an IBAN at Monflo to send and receive euros, and you can hold, send, and receive crypto in the same account. Pick personal for yourself, or business for your company.

You can hold and spend crypto from the same Monflo account. Tap Swap in Monflo to change your crypto into stablecoin euros. We compare rates across many exchanges to find a competitive rate. Add the stablecoin euros to your card and use your Gnosis Pay debit card wherever Visa is accepted and start spending. Turn your crypto into money you can spend. 📌 Using the current card? Please remember that orders close on 17 October. The card, provided by our partner Gnosis Pay, will continue working until 20 December.

You can have up to five active debit cards linked to your Monflo account. Your first physical card is free, and all virtual cards are free. You can use a different card for each purpose. For example, use one virtual card for subscriptions, one for online shopping, and one on your phone with Apple Pay or Google Pay. Use your physical card in shops and at ATMs. 💳 Thinking of adding another card? The current card, provided by our partner Gnosis Pay, can only be ordered until 17 October and will stop working on 20 December.

⏳ One chapter is ending. Another is about to begin. The current Gnosis Pay cards are being phased out. 💳 17 October – You can order your Gnosis Pay Card until this date. 🛑 20 December – Current cards will stop working. And then comes the next chapter? Our own Monflo-branded card is coming. We expect the new card to become available in mid-December, marking the beginning of a new card experience built around Monflo. We’ll share more details about the new card and the transition soon.

To use Monflo, you do not need to understand how blockchain works. You see your IBAN, your money, and your card. That is enough to use Monflo daily. Monflo handles the technical side in the background. You can receive your salary, pay your rent, and shop as usual. When you want to use crypto, you can find it in the same app. Monflo keeps everyday account use simple.

At Monflo, your crypto is kept in your own wallet, not in a shared pool. Fireblocks secures your wallet. Large financial institutions also use this custody technology to protect digital assets. You can manage your crypto directly through your Monflo account. Your own wallet, protected with technology used by financial institutions.

Most payments are digital, but sometimes you need cash. Your physical debit card is issued by Gnosis Pay and linked to your Monflo account. Use it to pay in shops or withdraw cash from ATMs. You pay with your stablecoin euros. Use the same account for digital payments and cash withdrawals.

Money in your Monflo account stays yours. It does not become company money, because it is held in segregated accounts. This means your money is kept apart from the company's money. It is never lent out. Your money stays yours. Monflo gives you the account to manage it.

Het heffingsvrije vermogen in box 3 daalt vanaf 2027 van €60.000 naar €30.000. Hierdoor gaan meer spaarders belasting betalen. Vanaf 2028 is slechts €1.000 rendement per jaar vrijgesteld. #Box3 #Sparen #Vermogensbelasting #Financieel

Houd je Bitcoin een jaar vast? Mooi, maar de belastingaanslag komt eerst. Als de koers daalt ná de aanslag, verdubbelt je verlies. Een politiek plan, nog geen wet. #Bitcoin #Investeren #Financieel

Crypto is more than just an asset. It’s a tool for freedom. With Monflo, you can deposit crypto from an external wallet and withdraw it from Monflo to an external wallet, giving you more control over where your crypto moves.

Your first month is free. After that, your personal account costs €3.99 per month. This promotion ends on 1 January 2027. Your subscription includes a personal IBAN at Monflo, euro payments across Europe, crypto transfers, and access to a debit card — all in the same account. Try Monflo free for one month and see if it works for you.

Verrassing voor crypto-bezitters! Crypto in eigen wallet blijft onder jaarlijkse heffing, ook zonder verkoop. Geldt dit ook voor jouw investeringen? #CryptoBelasting #OngerealiseerdeWinst #DigitaleValuta #FinancieelNieuws

Getting your debit card starts on the Monflo website. 1. Log in to your Monflo account. 2. Open the Debit Card section. 3. Choose a physical or virtual card. 4. Follow the instructions to complete your request. 5. Add funds to your card balance and start spending. The debit card is currently managed through the Monflo website, with app availability coming soon. Get started at monflo.com.