Product
Concept overview · illustrative data
One connected workspace for business money.
Payments, accounts, smart cards, spending controls, budgets, analytics and AI insights, designed to work together instead of across five tools.
01
The workspace
Six modules. One record of activity.
Each module works on its own, and all of them are designed to share accounts, permissions and history, so nothing needs re-entering.
Payments and payouts
Collect from customers and pay suppliers, contractors and teams from one queue.
Jump to section →Accounts and balances
See every business account and its balance in one consistent view.
Jump to section →Smart cards and controls
Issue cards with limits, categories and approvals built in.
Jump to section →02
Payments and payouts
Every payment in one queue.
Collect from customers, pay suppliers and run contractor payouts from the same list, with each payment's status, approver and invoice attached.
One payment queue
Incoming invoices, payout requests and scheduled transfers sit in a single list.
Scheduled runs
Group approved payments into runs on the days you choose.
Clear status
Every payment shows where it is: draft, approved, scheduled or paid.
Matched records
Payments keep their invoice, approver and notes attached.
03
Accounts and balances
Every balance, side by side.
Name your accounts by purpose and see each balance next to a combined total, with the activity behind it one click away.
Consolidated view
Balances from every account in one total, with the detail one click away.
Named accounts
Label accounts by purpose, such as payroll, operations or reserve.
Searchable activity
Filter transactions by account, team, category or amount.
04
Cards and controls
Smart cards with the rules built in.
Issue virtual and physical cards for every teammate. Limits, categories and approvals travel with the card.
Spend limits
Daily, monthly or per-transaction limits for every card.
Category rules
Allow or block spending by merchant category.
Approvals above a limit
Requests over a threshold go to the right approver.
Receipt reminders
Cardholders are prompted to attach receipts after a purchase.
Freeze in one step
Pause a card instantly if it is lost or no longer needed.
Virtual or physical
Issue virtual cards for online tools and physical cards for travel.
05
Budgets and analytics
See where the money goes, while it is going.
Cash-flow trends, budget progress and team breakdowns update as transactions arrive, so owners can act before the month closes.
Cash-flow trend
Money in and out over time, by week or month.
Budget progress
Spend against each budget, updated as transactions arrive.
Team breakdown
Compare spending across teams, categories and vendors.
06
AI insights
Questions in, answers with the working shown.
Ask about spend, vendors or budgets in plain English. Answers point to the transactions and periods they are based on, so your team can check them.
Plain-English questions
Ask about spend, vendors or budgets without building a report.
Answers with the working
Responses show which transactions and periods they are based on.
Human review
Insights are suggestions for your team to check, not automatic decisions.
07
Multi-currency
Hold, convert and pay out across currencies.
Keep balances in the currencies you use, see the rate before converting, and pay recipients in the currency they invoice in.
Hold balances by currency
Keep separate balances for the currencies you use most.
Convert with the rate shown
See the exchange rate before you confirm a conversion.
Pay out in the recipient's currency
Recipients receive the currency they invoice in.
08
FAQ
Product questions.
How the modules fit together, and which details are 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.
Do all modules share one workspace?
Yes, by design. Payments, accounts, cards, budgets and analytics are intended to share one workspace, one set of permissions and one record of activity.
Which currencies and countries are supported?
Coverage has not been confirmed. The currencies shown on this site are examples only.
Which banks and accounting tools connect?
Integrations have not been confirmed. This page will list them once they are verified.
Can spend limits be set per person or team?
The concept supports limits by card, person, team and category, with approvals for requests above a limit you choose.
What does the AI assistant read?
In the concept, the assistant answers questions about your own workspace data. Data-handling details will be published with approved wording.
09
Get started
See it in context.
Start with the home page tour, or tell us which part of your finance workflow you would change first.
Monetra is a product concept. Balances, transactions, names and charts on this site are illustrative sample data. Monetra is not a bank and this site does not hold funds or move money.
Photography: Unsplash contributors, used under the Unsplash License.
© 2026 Monetra · Concept site
Legal pages to be added before launch