Private banking,
in your own hands
Receive, grow and spend with an IBAN in your name and keys only you hold.
Your keys
A passkey controls your Safe. Montelvay never holds your assets.
Your IBAN
Euro transfers arrive in your account, from an IBAN in your name.
Your privacy
A new address for every payer, so payments can't be linked.
Montelvay provides self-custody software. It does not hold client funds or provide investment advice. Sandbox — simulated money only; figures above are illustrative.
Send
Send euros (EURe) from your account to any address. Network fees are on us.
Buy & Sell
Exchange one currency for another, inside your own account.
Not available in the sandbox: test currencies have no market, so there is no price to quote. With real money, your order goes to the best price on the market and settles in your own account.
Reserve
Every balance, in every currency, moves to your reserve by itself. If you prefer, keep some euros in your account: the rest goes to the reserve, and comes back when your account runs low.
- Mandate
- —
- In reserve
- —
The mandate is a rule written into your own account. Montelvay's robot may only move your currencies between your account and the reserve; your account refuses anything else. «End mandate» takes that permission away and brings everything back, with one signature. Sandbox: the reserve is a test vault and pays no yield.
Bank
Your account isn't created yet.
Open a euro account in your name. Transfers to its IBAN arrive in your Montelvay account.
Your euro account. Transfers to this IBAN arrive in your Montelvay account.
- IBAN
- —
- Account holder
- —
- Provided by
- Monerium ehf.
Technical details
- ✓Passkey createdFace ID, Touch ID, Windows Hello or your phone — your passkey is the only key to this account.
- 2Safe account createdCreated when you open your account, with the ownership declaration for your IBAN. Network fees are on us.
- 3Monerium connectedEuro IBAN by Monerium, a licensed e‑money institution. Verification is done by Monerium.
- 4Personal IBANEuro transfers to this IBAN arrive in your account as EURe.
- 5First depositIn the sandbox, simulate a SEPA transfer in Monerium.
Private addresses
Give each payer a new address, so payments can't be linked to each other or to your account. Only you can move the funds; Montelvay can see them for compliance.
- Total
- —
- Account address
Recovery
If you lose your passkey, a guardian you trust can hand your account to a new passkey. Montelvay is never a guardian by default. A recovery takes 3 days, and you can cancel it in that time.
- Guardians
- —
Private addresses use a separate key. Download it sealed with a passphrase only you know, and keep it offline.