Muney

Muney App is a blockchain-based fintech platform founded in September 2022 by Alberto Perdomo Leal and Rodolfo Superamo, headquartered in Mexico City. The company operates as Muney App S.A.P.I. de C.V. and provides a collaborative digital platform that facilitates remittances and daily financial transactions for individuals and businesses across Latin America. Muney specializes in stablecoin infrastructure, enabling users to transact in digital dollars (USDT) through its mobile application available on Google Play. The platform's core offering includes peer-to-peer instant payments between Muney users, allowing transfers via phone numbers with immediate settlement. A key differentiator is its Muney U network, which connects digital stablecoin wallets to physical cash through a decentralized network of verified merchants. This infrastructure enables last-mile liquidity solutions for underbanked and cash-heavy economies, allowing users to deposit and withdraw cash at participating businesses while merchants earn additional income from these transactions. The platform supports buying and selling digital dollars through transfers between local bank accounts and the Muney App, and enables deposits or withdrawals of USDT to external wallets. Muney incorporates a community-driven rating system where both users and merchants rate each transaction, creating transparency and trust scores for participants. The company positions itself as a plug-and-play cash-out infrastructure solution for stablecoin-based wallets, remittance applications, and other fintechs operating in Latin America. As of 2025, Muney was recognized in the Finnovista Fintech Radar México, indicating its growing presence in the Mexican fintech ecosystem. The platform is designed to be non-custodial and compliant, targeting the digitalization of finances without requiring users to change their traditional payment habits.