Opening a Montes Auri business account is straightforward:

1. Complete the application form: Fill out a short online form with your business details. Complete our online KYC process and upload the relevant KYB documents.
2. Application review: Once submitted, our team will review your application as part of the account setup process. We may reach out if additional information or documentation is required during this step
3. Approval and setup: After approval, your account is set up and ready to use. You can then log in and start managing your business funds immediately

Your business must meet a few key requirements to open an account. Generally:

• Legal entity: The company should be fully incorporated, active, and in good standing
• Location: Your business must be registered in the EU.
• Business type: We cannot onboard certain types of entities. For example, companies in prohibited industries or specific legal forms that we do not support are not eligible .
• KYC/KYB documentation: You will need to provide standard documentation for verification, such as proof of incorporation, identification of directors/beneficial owners, and other KYC/AML information .

If your company meets these criteria and provides the required information, you can proceed with the account opening process without issues.

We maintain strict compliance with all applicable regulations. Montes Auri adheres to robust Anti-Money Laundering (AML) and Know Your Customer (KYC) policies in line with international and EU standards . Our platform operates under the oversight of European regulators, and we strictly adhere to the EU’s Markets in Crypto-Assets (MiCA) regulatory framework for digital assets. This means we implement all required checks and safeguards to meet regulatory requirements, giving you confidence that our services are legally compliant and secure .

Montes Auri supports multiple currencies so that businesses can manage both fiat money and crypto assets in one place. You can hold and transact in major fiat currencies (such as EUR, USD, GBP), alongside leading cryptocurrencies like Bitcoin, Ethereum, Tron, Solana and a wide range of stablecoins . This broad support allows your business to seamlessly bridge traditional finance and the crypto economy by using the same account for various currency types.

Our platform provides an instant conversion feature between fiat and crypto balances . You can easily exchange traditional currency into cryptocurrency (and vice versa) at current market rates through your account interface. This real-time conversion helps minimize exposure to crypto market volatility by allowing you to quickly convert incoming crypto to fiat, or convert fiat to crypto when needed for payments or investments . All conversions are handled within the platform, making treasury operations efficient and transparent.

Yes. Montes Auri enables you to send payments in cryptocurrency to third parties and receive crypto payments into your account. For outgoing payments, you can pay suppliers or even employees in crypto, while we handle any required conversion to fiat on either side to ensure smooth settlement . Similarly, you may accept customer payments in crypto and have the funds automatically converted to fiat currency if desired. Our system is designed to combine the speed and convenience of crypto transactions with the stability of fiat currencies by providing two-way conversion during payment flows. In practice, this means you can leverage crypto for fast transactions without forcing recipients or payers to deal with volatility if they prefer fiat.

Montes Auri provides several features to help businesses manage their fiat and crypto treasury efficiently:

• Multi-currency wallets: Maintain balances in multiple fiat currencies and cryptocurrencies simultaneously under one platform, simplifying treasury operations across different assets.
• Automated conversion: Take advantage of instant crypto-to-fiat conversion tools to reduce volatility risk. You can convert funds on-demand or automatically at the time of transactions, ensuring your crypto holdings can be quickly turned into stable currency when needed .
• Liquidity access: We offer efficient access to crypto markets for treasury purposes . This means your business can buy or sell crypto assets through our platform to rebalance portfolios or manage liquidity as market conditions change.
• Custody integration: The platform integrates with secure custody and investment services . Your digital assets are stored safely, and if you choose, idle assets can potentially be allocated into secure yield-generating or investment products as they become available – all while staying within the same ecosystem for ease of management.

These treasury management capabilities allow you to handle day-to-day cash and crypto management tasks in a unified, controlled manner.

Security is a top priority for Montes Auri. We implement industry-leading measures to safeguard your funds:

• Cold storage: The majority of cryptocurrencies under our custody are held in offline cold storage, which means they are kept off the internet to protect against hackers . This greatly reduces the risk of theft or unauthorized access to your digital assets.
• Multi-signature controls: We use multi-signature authorization for transactions, requiring approval from multiple authorized parties for high-value transfers . This ensures no single individual can move funds alone, adding an extra layer of internal security.
• Access rights management: Our platform allows role-based access control for your team members . You can define user permissions (for example, who can initiate payments versus who can only view reports), preventing mismanagement and insider risks.
• Continuous monitoring: All accounts and transactions are monitored for suspicious activities in line with AML guidelines. We employ encryption and other cyber-security best practices to protect your account data at all times.

Additionally, fiat funds held through Montes Auri are kept with regulated banking partners or safeguarded under electronic money regulations (where applicable), ensuring that traditional currency balances have protections equivalent to those at a bank. Together, these measures keep your business’s money safe on our platform.

Montes Auri offers comprehensive reporting and integration features to support your accounting needs. You can access real-time transaction histories and generate detailed account statements for reconciliation or auditing purposes. For convenience, our platform also integrates with popular accounting software such as QuickBooks or Xero, so you can automatically sync your transaction data with your bookkeeping system . This integration and reporting capability helps streamline your financial management and ensures that you have up-to-date records for your fiat and crypto transactions.

Yes. Montes Auri provides an API for clients who need programmatic access to the platform. This allows your developers to integrate our banking and crypto services directly into your own applications or backend systems. With the API, you can automate tasks such as initiating payments, monitoring balances, managing wallets, and performing conversions without using the web interface . In essence, any function available on the platform can be executed via secure API calls, enabling seamless integration into your business’s existing workflows and software.This API access is especially useful for businesses that want to incorporate Montes Auri’s capabilities into their internal tools, or to set up custom automation (for example, automatically sweeping excess funds into crypto or triggering conversions based on predefined rules). It ensures that Montes Auri can fit into your tech stack with minimal friction , supporting a high degree of customization and efficiency.