A TON Wallet built with TrustFrame, launched in the UK to the East African diaspora — and engineered for the Ugandan and East African market they bank for back home.
No branch visits. No SWIFT receipts. No three-day waits. From your phone in London to a SACCO in Kampala.
One-tap KYC using your UK ID and your home-country document. TrustFrame issues a portable identity that opens accounts on both sides of the corridor.
GBP in via Open Banking or Apple Pay. We mint USDT-on-TON at mid-market — sub-1% spread, transparent, on-chain receipts.
Land into MTN MoMo, Airtel Money, a bank account in Kampala, or a Monyx Visa card. 90 seconds, end to end.
Mid-market rates, refreshed every fifteen seconds. Onyx routes through TON / USDT when it's cheaper, SWIFT when it's not. You only see one number.
Three flavours. Apple Pay and Google Pay on day one. Vision-AI categorises every spend and pre-fills your VAT return.
Apple Pay, Google Pay, contactless. Spend in UGX on the ground in Kampala on the same card you use on Oxford Street.
No hidden margins. Mid-market rate plus a flat 0.7% spread. See the full breakdown before you tap.
Issue, freeze and limit cards for siblings, drivers, the SACCO treasurer — anyone you trust to spend on the wallet.
Monyx drafts your invoice the second a billable event happens, chases politely, reconciles to your bank line and files your VAT. Your accountant gets a copy. So do you.
Our AI reads your calendar, your contracts and your timesheets and writes the invoice for you. You approve. We send.
Uganda 18%, Kenya 16%, UK 20% — Monyx tags each line and outputs the filing-ready ledger your accountant actually wants.
D+7, D+14, D+18. We chase on email, WhatsApp and Telegram. We've cut average days-to-pay by eighteen.
Bill £, get paid in UGX, USD or USDT — Monyx settles to your preferred wallet at the rate you locked.
No surprise fees. No exit penalties. Cancel any time from the app.
For diaspora workers sending home.
For side hustles & sole traders.
For East African SMEs & 5–25 teams.
Monyx is built on TrustFrame and TON. Every transfer is on-chain. Customer funds are ring-fenced. We are supervised by the FCA in the UK and BoU in Uganda.
Authorised as an EMI agent of a UK BaaS partner. Customer funds safeguarded under FCA rules.
Operating under the National Payment Systems Act 2020. EMI licence in active application.
Portable, on-chain KYC. Verified once, accepted by every partner bank, MoMo and SACCO in the network.
Public on-chain settlement with USDT. Every transfer has a receipt you can verify on a block explorer.
Monyx is a regulated financial-services brand operated by Twalaeri Ltd. We hold customer funds in safeguarded accounts at FCA-supervised partner banks, and operate in Uganda under the National Payment Systems Act. We're applying for our own EMI licence with the Bank of Uganda, expected mid-2027.
We route through TON / USDT instead of SWIFT. There's no correspondent-bank chain to feed, so we pass the saving on as a single 0.7% spread on the mid-market rate. No fixed fee, no markup, no surprises.
Most don't — that's the point. Monyx pays out to MTN MoMo, Airtel Money, M-Pesa or SACCO accounts. In Uganda, that's 38 million wallets — more than the banked population.
Your balance is held in USDT or GBP, not in volatile crypto. TON is just the rail — like SWIFT, but faster and cheaper. Funds in transit are typically settled within ninety seconds.
Yes. The Monyx Business tier issues a real Ugandan business account through our BoU partner, with a URSB-registered name and a URA TIN. You'll never need to fly to Kampala to sign anything.