Omnia Exchange x Monavate

Combining payments infrastructure with institutional liquidity, execution and settlement

Monavate enables businesses to issue, move and settle money globally through regulated payments infrastructure. For crypto card providers, Web3 platforms and payment providers, that means supporting real-world, real-time spending of digital assets, stablecoins and fiat, while preserving a seamless customer experience.

As volumes scale, providers need to reserve, convert and settle the right amount the moment a customer spends. That requires accurate, real-time pricing and the ability to execute and hedge each transaction efficiently. Most liquidity infrastructure is not built for this. Minimum trade sizes, fixed increments and small-order premiums can make payment flows uneconomic, forcing providers to choose between carrying market risk or building costly internal operations.

As a result, companies in this space usually fall into one of two patterns:

No real-time hedging of individual flows

Providers quote the customer, warehouse the market risk and then trade out accumulated exposure later, often manually through an OTC desk. This can leave them exposed to intraday market moves and creates unnecessary reconciliation friction.

Building an internal risk-management function

Providers invest in software, staff and supplier integrations to monitor exposure, aggregate small trades into executable sizes, manage settlement and maintain compliance. This is a significant lift for non-trading businesses and diverts resources away from critical operations like product, growth and customer experience.

Download the payment providers use case

A detailed overview of how Omnia Exchange supports payment providers with institutional-grade, real-time liquidity.

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The shared challenge

Many providers in the payments space follow the first approach: supporting customer spend in real-time but managing the resulting exposure after. As card programmes and payment volumes grow, so does the unhedged intraday exposure sitting between the transaction and the trade. For Monavate's customers operating across the ecosystem from a variety of industries, where payment flows can be global, multi-currency and operationally complex, that meant carrying market risk longer than necessary and increasingly at odds with their scale, risk appetite and need for efficient, automated payment operations.

What changes with Omnia Exchange

Omnia Exchange adds the market infrastructure layer: institutional liquidity, real-time execution and flexible settlement across fiat, crypto, stablecoins and digital assets through a single API. Crucially, Omnia supports execution with no minimum size and no small order premiums, enabling payment-style flows to be hedged or converted at the transaction level rather than batched into larger trades.

Paired with Monavate's payments infrastructure, this gives providers a complete operating model for digital asset payments:

• Every card or payment event is supported with real-time pricing and execution, rather than delayed, manual intervention.
• No minimum trade size removes a major barrier to hedging or converting individual, lower value payment flows, economically.
• Intraday market risk is significantly reduced or removed completely.
• Teams can scale crypto, stablecoin and fiat settlement workflows without building a full trading desk or risk-management function.

A call to payment providers

If your company is issuing cards, enabling on-chain spend, batching trades to reach minimum sizes, carrying intraday market risk or managing different exposure across payment flows, Omnia Exchange can help. Omnia automates access to deep institutional liquidity across fiat, stablecoins and digital assets, allowing providers to scale without building these capabilities independently. Get in touch to explore how you can reduce intraday market risk, remove operational friction and scale digital asset payments without building a trading desk.