Frequently asked questions

Alpha Monnaies is the trading name for a global payments network operated by VirtuVault Technologies EOOD (Bulgaria, UIC 207524160), with offices in Switzerland and the United Arab Emirates. We give B2B operators and high-net-worth clients multi-currency accounts, global payments and cards through a single relationship.

No. Alpha Monnaies is a developer-layer payments technology provider, not a bank. Regulated payment, e-money and card services are delivered together with licensed banking and payment-institution partners, and client funds are safeguarded or held in segregated accounts.

Cascading, redundant routing across Tier-1 banking partners. One integration reaches multiple rails, and if a route is slow or unavailable we fail over automatically to another partner so your payments keep moving.

We serve businesses and private clients across many markets worldwide, subject to eligibility, local rules and our acceptance policy. The availability of specific rails, currencies and cards can vary by country.

Request access on our website or speak to our team. We will guide you through onboarding, which includes identity and business verification (KYC / KYB) before your account is enabled.

It depends on the completeness of your documents and your risk profile. Straightforward applications can be quick, while regulated or higher-risk businesses undergo enhanced due diligence, which takes longer.

Typically proof of identity for directors and beneficial owners, company registration details, proof of address, and information about your business activity and source of funds. We tell you exactly what is required for your case.

Businesses and adults that pass our eligibility, KYC / KYB and compliance checks. We do not work with sanctioned parties or with any of the activities listed in our Sanctions & Forbidden Activities Policy.

SEPA, SEPA Instant, SWIFT, CHAPS and Faster Payments, with intelligent routing across Tier-1 banking partners so each payment takes the most suitable route.

Instant rails such as SEPA Instant and Faster Payments settle in seconds, 24/7. CHAPS settles the same day within UK cut-off times, and SWIFT typically settles from same-day to a few business days depending on the corridor and any intermediary banks.

Yes. Same-day rails such as CHAPS and SWIFT have daily cut-off times that vary by currency and corridor, while instant rails run around the clock. Applicable cut-offs are shown at the point of payment.

Yes. You can batch, schedule and approve large volumes of payments — for example supplier payouts or payroll-style runs — through your dashboard or our API.

Yes. Our developer-layer platform exposes APIs so you can integrate accounts, payments, FX and card issuing into your own systems and reconcile programmatically.

We support holding, converting and settling in all major currencies, with local account details available in key markets. Specific currency availability depends on your account and corridor.

You can convert between currencies at competitive, transparent rates with no hidden spread. The rate is shown before you confirm a conversion or a cross-currency payment.

Yes. Multi-currency accounts let you collect, hold and pay in several currencies, so you can avoid unnecessary conversions and manage FX on your own terms.

Yes. Named multi-currency collection accounts with local details and automated reconciliation let you gather client or customer funds and attribute them to the right payer.

Approved clients can issue virtual cards on demand from the dashboard, then add them to Apple Wallet or Google Wallet, or use them online immediately.

Anywhere the card network is accepted online and in mobile wallets — for cloud and SaaS bills, advertising, travel, insurance, government fees, supplier invoices and more.

Yes. Set per-card and per-period limits, restrict usage, freeze or close cards instantly, and see every transaction in real time with full reporting.

Our core offering is high-limit virtual cards built for online and wallet payments. Talk to us about your programme if you need a specific card type.

Pricing depends on your volumes, currencies and the services you use. Subscribed members receive competitive fees and dedicated support, and we quote transparently for your use case.

Competitive fees, priority routing and a dedicated support team — built for B2B operators and private clients who move significant volume.

Limits depend on your plan, verification level and risk profile, and may also be set by our partners and by regulation. Higher limits are available after enhanced due diligence.

No. We aim for transparent pricing — you see applicable fees and FX rates before you confirm. Third parties, such as intermediary banks on a SWIFT payment, may apply their own charges, which we disclose where known.

Client funds handled through our regulated partners are safeguarded or held in segregated accounts, separate from operating funds, in line with applicable e-money and payment-services rules.

Regulated activities are performed by Alpha Monnaies and/or its licensed partners under the frameworks applicable in each market — for example EU PSD2 / EMI rules supervised via the Bulgarian National Bank, and the Swiss and UAE frameworks. See our Compliance page for detail.

We process personal data under the GDPR and Bulgarian law, apply OWASP-aligned security, and never sell your data. See our Privacy Policy and Security pages.

We comply with UN, EU, OFAC, UK, Swiss and UAE sanctions and do not support the activities set out in our Sanctions & Forbidden Activities Policy. Sanctioned parties and comprehensively sanctioned territories are not eligible.

We run a risk-based AML / CTF programme: identity and beneficial-owner verification, sanctions, PEP and adverse-media screening, ongoing transaction monitoring, and suspicious-activity reporting where required by law.

Subscribed members get a dedicated support team. You can also reach us at hello@alphamonnaies.io, and our team responds to every qualified enquiry.

Report security issues to security@alphamonnaies.io (see our Security page) and raise compliance or misconduct concerns confidentially, even anonymously, via our Whistleblower Policy.

Contact your account manager or hello@alphamonnaies.io. We will help you settle balances and close the account in line with your agreement and any record-keeping the law requires.