Because you’re looking for performance within a legal framework
Because you believe in European fintech, not shady promises
Because you have better things to do than manage a portfolio every week
Because you want to diversify your savings intelligently
The MON token is a Smart Portfolio Token developed by Monnay. It allows you to automatically invest in the top-performing cryptocurrencies without managing them yourself. It’s a new way to save in crypto: simple, intelligent, and regulated.
The MON token is powered by an AI that:
• Selects the 5 best-performing cryptos in real time from the top 20 on the market
• Automatically rebalances the portfolio
• Activates a secure mode (stablecoins) in the event of a market downturn
• Locks in gains above +8% to protect your profits
Performance depends on market conditions. The goal is to follow the best crypto opportunities while reducing risk through automation. A simulator is available on our website to estimate your potential returns.
No. MON is designed for both beginners and experienced investors. Just buy the token — the AI handles everything for you.
You can purchase MON directly on Monnay.com:
• By credit card (via our partner Mercuryo)
• By bank transfer to Monnay Services
Once your KYC is verified, your tokens are minted automatically.
The contract has a fixed duration of 12 months with automatic renewal. At the end of the term, you can choose to continue or convert your MON tokens into euros or other cryptocurrencies.
Yes. The MON token is built on the Solana blockchain, using decentralized oracles like Pyth Network and Chainlink. All operations are traceable, automated, and compliant with European VASP regulations.
Yes. For compliance reasons, purchasing the MON token requires identity verification via our certified provider AMLBot.
Management fees are seamlessly integrated into the token’s operations. There are no fixed fees, no subscriptions, and no hidden commissions.
You’ll have access to an online dashboard where you can monitor:
• The current value of your tokens
• Profits earned
• Portfolio performance
• The real-time selected cryptos
The MON token is:
• More responsive (rebalanced in real time)
• Accessible from just €500
• Managed by a crypto-native AI
• Exclusive to Monnay, a licensed platform in Europe
• Free from brokerage fees or banking intermediaries
This platform is operated by MONNAY SERVICES SP. Z O.O., a Virtual Asset Service Provider (VASP) regulated and registered under number 0001123711 in the National Court Register (KRS) in Poland, with its registered office located at 82 Głogowska Street, Apartment 22, 60-741 Poznań, Poland. Tax Identification Number (NIP): 7792576327 – National Business Registry Number (REGON): 529665394.
The company conducts its activities in compliance with the regulations in force in Poland and the European Union. MONNAY SERVICES SP. Z O.O. is supervised by the District Court of Poznań – Nowe Miasto i Wilda, Commercial Division of the National Court Register (VIII Commercial Division of the National Court Register).
For any information requests or to obtain additional regulatory documents, please contact us by email or visit our offices in Poznań, Poland.
Risk Warning: Investing in cryptocurrencies involves significant risks and may not be suitable for all investors. Prices can fluctuate sharply, and past performance is not indicative of future results. Only invest funds you are prepared to lose.
