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Moneco

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Moneco

Neobank for African migrants in Europe

moneco.app
HQ: Paris, Île-de-France, France; Remote
11-50
Fintech

Company research

Public company, workplace, funding, and market signals

Updated Jul 29, 2026

Overview

Moneco is a cross-border neobank for Africans and the African diaspora in Europe, offering EUR and USD accounts, a USDC wallet, a virtual Visa card, transfers via SEPA/ACH/Solana, and migration/settlement support for users moving to or operating in Europe.

Primary product

Cross-border neobank app for Africans and the African diaspora

Founded

2022

Headquarters

Neuilly-sur-Seine, France (99 Avenue Achille Peretti, 92200)

Team size

10-20

Industry

Banking

Sub-industry

Neobank / cross-border payments

Offices

99 Avenue Achille Peretti, 92200 Neuilly-sur-Seine, France
Paris, France

Business model

B2C neobank
cross-border payments
remittances
virtual card payments

Funding

Stage

Seed / early-stage venture

Latest round

Undisclosed funding round · Aug 2025

Latest amount

$3.3M

Undisclosed funding round

Aug 2025

$3.3M

Convertible Note - II

Mar 2025 · WeFunder

$120K

Visa Inclusive Fintech Accelerator (non-equity assistance)

Nov 2024 · Visa Inclusive Fintech Accelerator

Pre-Seed / Y Combinator Summer 2022

Jul 2022 · Y Combinator

$500K

Seed Round

Kima Ventures

$1.8M

People & investors

Leadership

Shams Radjabaly

CEO & Co-founder

Bilal Dahlab

Co-founder

Kuassi Jimmy Kumako

Co-founder

Aurore Le Roy

Compliance Lead

Investors

Ajim Capital
Alan Rutledge
Bossa Invest
CEO of BloomTech
GSB Impact Fund
Impact Assets
Kima Ventures
Reflect Ventures
Soma Ventures
Visa Africa Accelerator
Visa Inclusive Fintech Accelerator
WeFunder
Y Combinator

Work & culture

Mission-driven, diaspora-first fintech culture with community feedback loops, multilingual support, and a product narrative centered on financial inclusion and migration support.

Compensation

No public salary bands were found. Public hiring posts indicate roles such as Community Builder and Head of Growth (Africa - remote), but they do not disclose pay.

Benefits

Real-time fraud monitoring
Multi-factor authentication
Encryption and tokenization
Support in French, English, and Arabic
Referral rewards for inviting users
Free partner creator account

Product & market

Pricing

Fee-based neobank/remittance model; account-opening fees are payable after account creation, and detailed pricing is published in a tariff brochure.

Differentiators

  • —EUR, USD, and USDC accounts in one app
  • —Passport/ID-only onboarding
  • —Virtual Visa card with Apple Pay and Google Pay support
  • —SEPA, ACH, and Solana USDC transfer rails
  • —Mobile-money top-ups from African operators
  • —Settlement tooling and partnerships for migrants in France
  • —Multilingual support and creator/community programs

Technology

Firebase
Swift
Solana
SEPA
ACH
Visa
Apple Pay
Google Pay

Customers

African diaspora in Europe
Francophone Africans
Entrepreneurs
Freelancers
Content creators
E-commerce merchants
Marketing agencies
International students
Airbnb hosts
Import-export businesses

Competitors

LemFi
NALA
Kredete
CashEx
Tranzfar
Alterna Card Services

Scale & contact

Estimated revenue

Estimated around $3M ARR (GetLatka, updated 2025-04-10)

Estimated monthly visits

9K

contact@moneco.app+33 7 44 81 33 89

Signals & risks

Shutdown
Jan 2026

A French legal notice reported Moneco France SAS in liquidation judiciaire in Nanterre on 2026-01-14. Other public product pages still showed the app/company as active, so this appears to concern the French legal entity rather than necessarily the entire product operation.

Source

Latest news

Moneco Raises $146,700 Crowdfunding to Expand Neobank Services for African Diaspora in Europe

MyCapital UK · May 2026

Later write-up of Moneco's crowdfunding and service expansion plans.

Moneco Secures $3.3M for Financial App Targeting Africans in Europe

Signalbase · Aug 2025

Secondary funding coverage reporting that Moneco raised $3.3M to expand its cross-border financial app for Africans in Europe.

Le Virage à 360° de Shams Radjabaly (Moneco)

Forbes Afrique · Feb 2025

Founder profile highlighting Moneco's mission, history, and diaspora focus.

Moneco on Wefunder 2025

Kingscrowd · Jan 2025

Crowdfunding coverage noting Moneco's Wefunder raise, 2025 close date, and continued product traction.

RevoluGROUP Canada Inc. Announces White Label Partnership with MONECO France

RevoluGROUP / syndicated press release · Mar 2024

Press release describing a white-label partnership that powers Moneco's remittance and payment services.

BlogCommunity / aboutCompany LinkedInFacebookGoogle PlayHelp centerInstagramOfficial websiteX / TwitterYouTube
SourcesOfficial websiteCommunity / aboutBlogHelp centerCompany LinkedInX / TwitterFacebookInstagramYouTubeGoogle Play app listingY Combinator company pageThe Org profileCBInsights company profileWefunder raise pageSignalbase funding articleGetLatka revenue estimateHypeStat traffic estimateLe Figaro legal notice

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