Safeguarded balances
Customer money is held 1:1 in segregated accounts at regulated banks in each currency's home market, never lent out or mixed with ours.
Built to protect every naira, cedi and shilling
Your balances are safeguarded, every payment is screened, and nothing above your limits leaves without the right people signing off.
How we protect your money
Screening on every payment
Sanctions, watchlist and fraud checks run on each payment in under a second, so legitimate payments keep moving.
Two-person approvals
Require a second sign-off by amount, currency or recipient, with a full audit trail.
Passkeys and 2FA
Sign in with a passkey or an authenticator app. Sensitive actions ask again.
Encryption everywhere
TLS 1.3 in transit and AES-256 at rest, with keys held in hardware security modules.
Monitoring around the clock
Our Lagos, Nairobi and London teams watch for unusual activity across every time zone.
What happens before a payment leaves
Every payout passes the same checks, whether it's sent from the app, a spreadsheet or the API. Most clear in under a second.
- Recipient name confirmed with their bank
- Unusual amounts and new devices flagged
- Clear reasons whenever we hold a payment
Security questions
Found a vulnerability? Email security@montra.example and we'll reply within one working day.
Online now
Talk to Ada in Lagos
Our team in Lagos, Nairobi and London usually replies within 6 minutes on weekdays.
What happens to my money if Montra stops trading?
Because balances are safeguarded in segregated accounts, they're kept apart from Montra's own money and would be returned to customers.
Can I limit what each team member can do?
Yes. Give people view, create or approve rights, and set limits per person, currency and recipient.
Why might a payment be held?
If a check needs a closer look, we hold the payment, tell you why and what we need, and usually resolve it within the hour on weekdays.
