Concept

A product preview with illustrative data

Run your money
from one panel

Monetra brings business payments, accounts, smart cards, spending controls and analytics into one connected workspace for founders and finance teams.

Explore the product

Illustrative Monetra dashboard with total balance, money in and out, a cash-flow chart, recent activity and notification cards

Illustrative Monetra phone dashboard with total balance, a cash-flow chart and recent activity

Payments

Send, collect and track

Cards

Virtual and physical

Accounts

Every balance, one view

Payouts

Pay teams and vendors

Monetra is one panel where teams can track, move and plan business money together, with every rule and record in one place.

Products

A fully integrated suite of money tools.

Start with the module you need and add the rest later. Everything is designed to share one workspace, one set of permissions and one record of activity.

Payments

Collect from customers and pay suppliers from one queue, with the status of every payment in view.

Illustrative invoice payment card with payment method options

Cards

Virtual and physical cards with limits built in.

Accounts

Every business account and balance in one view.

Payouts

Pay contractors and suppliers in the currency they invoice in.

Illustrative currency converter from USD to EUR with an example rate

Analytics

Cash flow, budgets and spend by team, updated as activity arrives.

Product tour

Every money move, mapped out.

Open each part of the workspace to see how it works. All figures are illustrative.

Analytics

See money move as it happens

Every balance and trend in one live view.

Charts for balance, money in and money out, grouped by week or month, with the transactions behind every bar.

Balance, inflow and outflow on one chart

Filter by account, team or category

Drill into the transactions behind a number

Illustrative balance chart with a period selector

Multi-currency accounts

Hold and view balances by currency

Accounts side by side, with a combined total.

Keep separate balances for the currencies you use and see them together, each with its own account details.

Named accounts for payroll, operations and reserves

A combined total across currencies

Account details ready to share

Illustrative list of USD, EUR and GBP accounts

Cards and spend

Smart cards with limits that follow the rules

Cards for every teammate, with controls built in.

Issue virtual and physical cards with monthly limits and category rules, and see each purchase as it lands.

Limits per card, person or team

Receipts requested after each purchase

Freeze a card in one step

Illustrative card with its monthly limit and recent purchases

Budgeting

Budgets that fill in as you spend

Set targets by team or category.

Budgets update as transactions arrive, so owners can see what is left before they commit to new spend.

Budgets by team, project or category

Progress visible to budget owners

Alerts before a budget runs out

Illustrative team budgets with progress bars

FX and payouts

Convert, then pay out

See the rate before you confirm.

Convert between your balances and pay recipients in the currency they invoice in, with the rate shown up front.

Rate shown before you confirm

Payouts grouped into scheduled runs

Every payout keeps its approval record

Illustrative USD to EUR conversion with an example rate

AI assistant

Ask your money anything, in plain English.

Type a question about spend, vendors or budgets and get an answer that shows the transactions it is based on. No exports, no formulas.

Answers show the records they are based on

Suggestions for your team to review, not decisions

Reads only your own workspace data

See AI insights

Illustrative AI assistant answer listing three vendors whose spend grew this quarter

Illustrative approval rule: supplier payments over $10,000, auto-approve below $2,500, three approvers

Spend controls

Approvals that follow your rules.

Set limits, approvers and notifications once. Each request is checked against your rules and routed to the right person, without follow-up emails.

Request submitted

A teammate asks to pay a supplier invoice.

Policy check

Amount, category and budget are checked against your rules.

Approver notified

The right person approves or declines in one step.

Payment scheduled

Approved payments queue for the next payment run.

Explore spending controls

International payouts

Pay people in their own currency.

Group contractor, supplier and team payments into one run, see the exchange rate before you confirm, and keep every payout linked to its approval.

Exchange rate shown before you confirm

Recipients paid in the currency they invoice in

Every payout matched to its approval record

See multi-currency workflows

Illustrative list of this week's payouts in EUR, GBP, USD, JPY and INR, with statuses

Cards and budgets

Cards that fit how each team spends.

Give every teammate a card with its own limit and category rules, and watch team budgets fill in as they spend.

Three illustrative Monetra cards for travel, marketing and operations

Illustrative team budgets for October with progress bars

Explore cards and controls

Workspace

Every account, card and payout in one calm workspace.

Spaces keep each team's money, cards and approvals together, while finance keeps a single view across all of them.

Spaces for each team, project or entity

Roles for viewing, requesting, approving and paying

Balances and activity across every space

Illustrative workspace app showing team spaces with balances and recent transactions

How it fits together

From scattered tools to one panel.

Monetra is a product concept, so instead of customer quotes this is how the workspace is meant to work, step by step.

Connect

Bring business accounts, cards and payment flows into one workspace, so every balance sits in the same view.

Control

Set spend limits, approval rules and budgets once. Requests follow the rules instead of an email thread.

Understand

Follow cash flow, budgets and spending by team, and ask plain-English questions about your numbers.

Resources

Guides for finance teams.

Planned articles on cash flow, cards, approvals and international payments.

All resources

Cash flow

monetra

Article in draft

Understanding business cash flow

What moves cash in and out of a growing business, and the few numbers worth checking every week.

Cards

monetra

Article in draft

Managing corporate card spending

How limits, categories and receipts work together so teams can spend without losing track.

Approvals

monetra

Article in draft

Creating clearer approval workflows

A simple way to decide who approves what, and how to keep requests from stalling.

FAQ

Questions, answered.

What Monetra is, what this site shows, and what is still to be confirmed.

We read every message

Still have questions?

Send us a note about your team and what you would like to see.

What is Monetra?

Monetra is a business finance workspace concept that brings payments, accounts, cards, spending controls, budgets and analytics into one panel. This site presents the product idea and illustrative interface examples.

Is Monetra a bank?

No. Monetra is presented as software for managing business money workflows. This site does not offer bank accounts, hold funds or move money.

Is the data on this site real?

No. Every balance, transaction, name and chart on this site is sample data created to illustrate how the workspace is intended to work.

Which teams is it designed for?

Founders and business owners, finance managers and controllers, and operations teams in growing companies that manage payments, cards and budgets across several accounts.

How does the AI assistant work?

The assistant shown here is an illustrative example of asking finance questions in plain English. It is not a live feature on this site.

How do I learn more or give feedback?

Send a message through the contact page. We will update this answer once the enquiry workflow is confirmed.

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