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National Bank licences · 29 Jan 2026

Money moves. Without borders.

MONTRA is an international payment infrastructure for P2P transfers. We connect financial organisations, payment services and markets through a single technological platform.

16 markets. One infrastructure. One integration.

Connect MONTRABecome a partner

Verify in the National Bank registry

№ 2069290126Payment system operator29 January 2026
№ 3071290126Payment organisation29 January 2026
MONTRA LLCKyrgyz Republic, Bishkek, Leninsky district, Liniya 7-ya St., 9Information disclosure →

MONTRA Network

One in­fra­struc­ture. Several markets.

MONTRA builds a single technological space for the movement of funds between users and financial organisations across different markets.

  • Kyrgyzstan
  • Kazakhstan
  • Uzbekistan
  • China
  • South Korea
  • Vietnam
  • Thailand
  • Turkey
  • Tajikistan
  • Armenia
  • Azerbaijan
  • Georgia
  • Singapore
  • Malaysia
  • Taiwan
  • Australia

Network

P2P Payments

Transfers of a new generation.

The platform provides the technological interaction between participants of the payment chain — from the creation of a transaction to its processing, routing and final status.

Card-to-Card

Technological handling of a transfer between bank cards through the connected payment infrastructure.

Legal basis: № 2069290126

Cross-Border

Technological routes for P2P transactions between the available markets of the MONTRA network.

Legal basis: № 2069290126

Real-Time Processing

Automated processing of payment transactions and retrieval of up-to-date transaction statuses.

Legal basis: № 2069290126

Smart Routing

Routing of transactions through the available payment infrastructure of the MONTRA network.

Legal basis: № 2069290126

API Integration

Embedding P2P transfers directly into the partner product, under the partner's own brand.

Legal basis: № 2069290126

P2P Payments

How it works

One API. One payment network.

Instead of building separate technical integrations, MONTRA gives the partner a single connection point to the P2P infrastructure.

  1. 01

    Initiate

    The user initiates a transfer in the partner interface.

  2. 02

    Connect

    The request reaches the MONTRA infrastructure through the API.

  3. 03

    Route

    MONTRA determines an available route for the transaction.

  4. 04

    Process

    The transaction is passed to the relevant payment infrastructure for processing.

  5. 05

    Complete

    The partner receives the final status of the transaction.

MONTRA provides technological infrastructure: it receives, processes and transmits financial information about transactions. The movement of funds is executed by licensed participants of the payment infrastructure in the relevant jurisdictions. MONTRA does not open accounts, does not hold user funds and does not transfer money on its own account.

  1. User
  2. Partner
  3. MONTRA
  4. Payment rail
  5. Recipient

For business

Your product. Our payment in­fra­struc­ture.

MONTRA lets financial and technology companies embed P2P transfers directly into their own products.

  • Banks

    Extending the capabilities of digital banking services.

  • Fintech

    Infrastructure for launching and scaling P2P products.

  • Payment companies

    Additional payment directions through a single integration.

  • Digital wallets

    Integrating transfers into digital wallets and financial applications.

  • Digital platforms

    Embedding payment functionality directly into a digital product.

The partner keeps its own brand and user interface, using MONTRA as the technological layer for carrying out payment transactions.

International

One partner for several markets.

An international financial product requires interaction with various participants of the payment infrastructure. Instead of many separate connections, the partner gets one centralised infrastructure.

JurisdictionsMONTRA is licensed by the National Bank of the Kyrgyz Republic under No. 2069290126 and No. 3071290126. The company has no licences of foreign regulators: in each jurisdiction transactions are carried out by organisations licensed in that jurisdiction. The list of available directions is determined by the agreements in force with participants.

Technology

Built for scale.

MONTRA is built as a high-load technological infrastructure able to scale together with the volumes of our partners.

  • API First

    The MONTRA architecture is built around the API and designed for fast integration with digital financial products.

  • Smart Routing

    Technological routing of transactions between available payment directions.

  • Transaction Management

    Centralised management of the payment transaction lifecycle.

  • Real-Time Status

    Retrieving up-to-date transaction statuses.

  • Reconciliation

    Tools for financial reconciliation and transaction control.

  • Monitoring

    Technical monitoring of the payment infrastructure and transaction flows.

Technology

Developers

One integration. Multiple opportunities.

The MONTRA API lets you embed P2P payments directly into an application, a banking service or a digital platform.

What the API allows

  • Create P2P transactions
  • Retrieve transaction statuses
  • Manage the transaction lifecycle
  • Receive notifications through webhooks
  • Run reconciliation of transactions
  • Work with available payment directions

Get API access

Security

Trust begins with security.

MONTRA applies technical and operational control mechanisms to keep the payment infrastructure stable and secure.

  • Transaction Monitoring

    Monitoring of payment transactions and transaction activity.

  • Fraud Prevention

    Mechanisms for detecting potentially suspicious activity.

  • AML / CFT

    Financial monitoring procedures in line with applicable regulatory requirements.

  • KYC / KYB

    Identification and verification procedures in the cases provided for by law.

  • Data Protection

    Access control and information protection within the payment infrastructure.

  • Infrastructure Monitoring

    Continuous technical control of the state of the platform key components.

Security

About MONTRA

We build in­fra­struc­ture for a world where money does not have to stop at borders.

MONTRA is an international fintech company developing technological infrastructure for P2P payments.

Our mission
Our mission is to make the movement of money between people and markets as simple as possible.
Our vision
Our vision: the financial infrastructure of the future should be global, technological and invisible to the user.

Join the MONTRA network

We are building an international network together with banks, financial organisations and technology partners.

Become a partnerCompany

Contact

Start moving money with MONTRA.

Connect the MONTRA P2P infrastructure to your product, or contact our team to discuss a partnership.

Get StartedContact MONTRA