Snapshot
Continue to About ↓- What it does
- Munify is an app-based cross-border financial account that lets individuals and businesses hold USD, receive bank payments through dedicated US account details, and send money globally over bank rails and stablecoin networks.
More detail
- It also offers a non-custodial digital wallet and unlimited USD virtual Visa cards, aimed at freelancers, remote workers, e-commerce sellers and companies moving money across borders.
- Best for
- Freelancers, remote employees, e-commerce sellers and non-US businesses that need to receive and hold USD, send money across borders, and issue virtual Visa cards for online spending.
- Pricing
- Munify earns money from published transfer and FX fees, card interchange and FX spreads
More detail
- the CEO has cited FX as a key revenue line alongside interchange and payment flows.
- Consumer tiers on the pricing page: Standard (free account) charges 0.9% on digital wallet transfers with a $2.99 minimum, 1% F
- Main limitation
- Anyone who needs to hold or convert EUR/GBP balances today, a physical card, live invoicing, or a fully licensed bank relationship — those are listed as coming soon or as in-principle only.
- Record
- Static profile
- Reviewed
- Evidence
- Public web research
- Machine access
- Structured profile ↗
About
- Munify is an app-based cross-border financial account that lets individuals and businesses hold USD, receive bank payments through dedicated US account details, and send money globally over bank rails and stablecoin networks.
- It also offers a non-custodial digital wallet and unlimited USD virtual Visa cards, aimed at freelancers, remote workers, e-commerce sellers and companies moving money across borders.
What it helps with
- Cross-border wires can be slow and expensive for freelancers and remote workers collecting income from abroad
- Non-US founders and freelancers often cannot open a US account to receive and hold USD without an LLC, US address or SSN
- Marketplace and platform payouts get eroded by intermediate holds and conversion costs
- Managing earnings across several banks and currencies is fragmented
- Middle East freelancers want to hold USD to protect earnings from local currency volatility
- Businesses need programmatic payouts, pay-ins and card issuance rather than manual transfers
Capabilities
A practical view of what is available and where limitations apply.
| Offering | Available | Detail |
|---|---|---|
| USD account with dedicated bank details | Yes | Receive funds by ACH, Fedwire, SWIFT or SEPA into a Munify USD account; EUR and GBP accounts are listed as coming soon. |
| Multi-currency holdings | Limited | Official site states USD only today, with EUR and GBP available soon. |
| Non-custodial wallet | Yes | Users hold their own keys; the wallet page states it is built on Polygon. |
| Unlimited USD virtual Visa cards | Yes | Instant issuance with per-card spending limits and real-time top-up; virtual cards only, no physical card. |
| Global payouts | Yes | Send to bank accounts or wallets across borders over bank rails and stablecoin networks; Munify advertises 50+ countries via SWIFT and local rails. |
| Stablecoin on/off-ramp | Yes | Deposit or withdraw USDC/USDT from an external wallet; supported networks include Base, Solana, Polygon, Arbitrum and Ethereum. |
| Business API | Yes | RESTful API for payouts, pay-ins and card issuance, documented on the official site. |
| Invoicing | No | Listed as 'Soon' on the official site, not live. |
| Mobile app | Limited | Marked 'Coming Soon' on the official site; confirmed App Store or Play Store availability is unknown. |
| Licensing | Limited | Company announced in-principle DFSA approval in the UAE, which is not a completed license. |
Bot trust
How confidently AI systems can verify this profile from public evidence.
—of 100
ChatGPT—/100
Claude—/100
This profile has not completed a Bot Score assessment yet.
Evidence
Where this record came from, when it was reviewed, and how confidently it can be used.
- Verification
- Scribble researched these facts from the linked public sources.
- The owner has not manually confirmed every field.
- Last reviewed
- Primary source
- munify.ai
Technical profile details
Record ID
5c02ea95-87e5-4359-890c-91bd2ca73f2cCanonical URLhttps://profiles.scribble.network/listing/munify-5c02ea95