Expanding across Europe is a huge opportunity—but for many businesses, it’s also where their financial operations hit a wall. Whether you’re running an e-commerce brand, a forex platform, a SaaS service, or a crypto-powered marketplace, the challenges are often the same: delayed payments, frozen accounts, or outdated banking systems that don’t keep up with your pace.
The culprit? Traditional banking infrastructure simply wasn’t built for today’s fast-moving, tech-driven businesses. Monetum Pay was.
The Hidden Banking Burden When Scaling in Europe
Cross-border growth should be a strategic win. But instead of unlocking new revenue streams, many businesses end up navigating:
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Blocked or delayed SEPA payments
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Rejected or restricted IBAN accounts
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Long onboarding timelines with no guarantee of approval
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Compliance hurdles that vary country by country
A growing number of legitimate businesses are labeled “high risk” and denied basic access to financial services—crippling growth before it even begins.
And that’s not just frustrating. It’s expensive.
In fact, 40% of businesses in Europe report losing access to traditional banking due to increasing compliance restrictions. Meanwhile, 65% of companies are actively demanding instant payment solutions to support scaling and competitiveness. The market is evolving—but legacy banking isn’t.
Why Traditional Banks Are Not Built for Digital Business
Legacy banks were designed around branch networks, paper-heavy onboarding, and internal risk rules that fail to keep up with new business models. If you’re in e-commerce, trading, affiliate marketing, or operate in crypto, you’ve likely experienced:
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Slow and inconsistent compliance processes
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Expensive card processing fees and poor exchange rates
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No access to real-time euro or crypto settlements
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Little or no API infrastructure for automation
In short: traditional banking slows you down at the very moment you need to speed up.
Monetum: A Smarter Financial Engine for European Expansion
Monetum is built from the ground up to support businesses growing in today’s economy—where payments need to be fast, borderless, and reliable.
Here’s how we help businesses scale without banking friction:
✅ Instant IBANs in EUR
Open euro-denominated IBAN accounts in hours, not weeks. No unnecessary red tape, no discrimination against your industry.
✅ Open Banking & Bulk Payments
Send and receive payments across Europe instantly, including bulk transfers for affiliate payouts, vendor settlements, or customer refunds.
✅ Developer-Friendly API
Automate your payments, track transactions, and integrate directly into your own back-end systems.
✅ Inclusive Onboarding
We welcome businesses that traditional banks turn away. Our KYC/KYB processes are efficient and adapted to digital-first industries.
What Makes Monetum Different?
Monetum is a compliant, crypto-friendly fintech hub designed for businesses that need more than outdated systems. With regulated operations in Switzerland and the EU, Monetum ensures you stay compliant without losing agility.
- 3x increase in operational efficiency
- Dedicated account manager support
- Multiple IBANs & user roles
- Seamless integration in days
All in one intuitive dashboard.
When scaling your business in Europe, the last thing you need is a blocked account or another compliance delay. With Monetum, your financial infrastructure becomes an enabler—not a barrier—to growth.
Ready to Scale Without Roadblocks?
If you’re expanding across Europe and want payment infrastructure that’s as ambitious as your growth strategy, Monetum is ready 👉 Get started.
Let’s build the financial backbone of your European expansion—without compromise.