MiCA-compliant · Fully On-Chain · No Backend · No Treasury

Serverless payout rails
for the MENA corridor.

BankeNu is a fully on-chain protocol that routes payouts from European staffing platforms to MENA bank accounts — with compliance logic in smart contracts, no BankeNu treasury wallet, and an immutable audit trail regulators can verify without intermediation.

BankeNu — programmable money
3–5 days
Same-day
MENA Settlement Speed
5–8%
1.5%
B2C Transfer Fee
€0
BankeNu stablecoin inventory — we never hold client funds
MiCA ✓
Compliant by architecture, not by bolt-on

Cross-border payouts are still
broken for European platforms.

Staffing agencies, EOR providers, and freelance marketplaces face settlement delays, opaque fees, fragmented reconciliation, and manual compliance — amplified when payouts are frequent, multi-recipient, and time-sensitive.

5–8%
charged by incumbents on EU–MENA corridors (Western Union, MoneyGram)
3–5d
typical settlement time on MENA corridors via legacy banking rails
0
competitors offer on-chain, auditable compliance that regulators can verify without trusting the operator

On-chain compliance.
Zero custody.

BankeNu's Compliance Contract checks every transaction against live sanctions oracles and on-chain KYB/KYC attestations before any funds move. The Transfer Router then routes EURe directly to Monerium's redemption contract — triggering an Instant SEPA credit or a same-day MENA bank payment. No backend server. No treasury wallet. BankeNu never touches client funds.

1
SEPA Instant → EURe Sender transfers EUR via SEPA. Monerium mints an equivalent amount of EURe directly to the sender's embedded wallet in ~30 seconds — no BankeNu treasury involved.
2
Compliance Contract On-chain KYB/KYC attestation (EAS) and live sanctions oracle (OFAC, EU, UN) are checked before any funds move. Logic is permanent, immutable, and readable by regulators without asking BankeNu.
3
Transfer Router A zero-custody smart contract routes EURe to the correct destination — EU settlement via Monerium, or the MENA Bridge Contract for Morocco, UAE, and beyond. Holds no funds at any point.
4
Recipient receives EU: Monerium burns EURe and fires an Instant SEPA credit to the recipient's IBAN — under one hour. MENA: licensed local EMI partner pays in local currency, same day.

As featured in

Techfugees Thomson Reuters Foundation TechCrunch Disrupt

Built for staffing platforms
and individuals.

One on-chain compliance layer — two ways to access it.

🏢

BankeNu for Staffing Platforms

Batch payout API for European staffing agencies, EOR providers, and freelance marketplaces. One smart contract call pays hundreds of contractors across Morocco, UAE, and MENA simultaneously — with a full on-chain audit trail and no compliance overhead.

📱

BankeNu Consumer App

Mobile-first web app for individuals sending money to family in Morocco, UAE, and MENA. Verify identity once via the on-chain identity layer. Send at 1.5% — versus 5–8% with incumbents. Same-day delivery to local bank accounts.

🛡️

Compliance Infrastructure

The Compliance Contract, Sanctions Oracle, and EAS attestation stack are available for licensing. Other protocols and regulated financial institutions can subscribe to BankeNu's on-chain compliance data — a standalone revenue stream independent of transaction volume.

🤝

BankeNu for NGOs

Discounted fee tier for non-governmental organisations delivering humanitarian funds to MENA and conflict-affected regions. Fully auditable on-chain, no BankeNu treasury exposure, compliance-screened on every transfer.

Where we are & where we're going

Coming soon.