Security
Built to protect every naira, cedi and shilling
Your balances are safeguarded, every payment is screened, and nothing above your limits leaves without the right people signing off.
Before this payment leaves
Business verified
Mar 2
Recipient name matched
0.4s
Sanctions and watchlists
0.8s
Fraud signals normal
0.9s
Approved by Tolu and Ada
12s
Ready to send
How we protect your money
Six layers between your money and anything that shouldn’t touch it
Safeguarded balances
Customer money is held 1:1 in segregated accounts at regulated banks in each currency’s home market, never lent out or mixed with ours.
Screening on every payment
Sanctions, watchlist and fraud checks run on each payment in under a second, so legitimate payments keep moving.
Two-person approvals
Require a second sign-off by amount, currency or recipient, with a full audit trail.
Passkeys and 2FA
Sign in with a passkey or an authenticator app. Sensitive actions ask again.
Encryption everywhere
TLS 1.3 in transit and AES-256 at rest, with keys held in hardware security modules.
Monitoring around the clock
Our Lagos, Nairobi and London teams watch for unusual activity across every time zone.
Every payout, same checks
What happens before a payment leaves
Every payout passes the same checks, whether it’s sent from the app, a spreadsheet or the API. Most clear in under a second.
Recipient name confirmed with their bank
Unusual amounts and new devices flagged
Clear reasons whenever we hold a payment
Audit log
Ada approved KSh1,480,000
iPhone, Lagos
09:14
New device signed in
Passkey verified
08:02
Approval rule changed
By Tolu Adebayo
Yesterday
FAQ
Security questions
Found a vulnerability? Email security@montra.example and we’ll reply within one working day.
Where is my money held?
What happens to my money if Montra stops trading?
Can I limit what each team member can do?
Your next supplier payment could land in under a minute.
Open a Montra account online. Most businesses are verified within one working day and can pay their first supplier the next morning.
Free to open
No minimum balance
Verified in about a day