Monnai has announced a $12 million equity funding round as it continues to scale its profitable global identity and risk data infrastructure. The round was led by Motive Partners, with participation from existing investors including Commerce Ventures and 500 Global. Since launching in August 2021, Monnai has now raised more than $23 million in total funding.
Financial Technology Insights: CineFi Launches Digital Credit Union for Creatives
The new capital will help accelerate adoption of Monnai’s real-time identity and risk data infrastructure, which is already live across four continents. Designed for speed and scale, the platform enables companies to launch in new markets in days rather than months. Monnai delivers ultra-low-latency risk signals alongside built-in back-testing and enterprise-grade observability, giving customers the ability to measure performance, monitor data quality, and continuously optimize decisioning models at scale.
As part of its growth strategy, Monnai plans to expand coverage in key regions including Europe and Latin America, while further improving data effectiveness and response times. Additional investment will go into strengthening core data infrastructure as the company helps customers generate meaningful returns on adoption—often between eight and ten times their initial investment. The company also expects to grow its engineering, data, and go-to-market teams over the next 12 to 18 months.
Since its Series A in 2023, Monnai has rapidly expanded its global footprint, supporting customers across the United States, Latin America, Europe, and Asia. Today, the platform processes tens of millions of transactions each month and delivers decisioning latency of under 500 milliseconds. Its hyperlocal infrastructure allows organizations to deploy locally in new markets with remarkable speed, without compromising reliability or performance.
Financial Technology Insights: Income Solver by T. Rowe Price Transforms Retirement Planning
This funding comes during a period of strong operating momentum. Monnai is operating profitably in 2025 and recorded fivefold revenue growth over the year, based on internal results. Net revenue retention has approached 200%, reflecting how deeply the platform has become embedded within customers’ core identity, fraud, and risk decisioning workflows.
Pierre Demarche explained that while AI-driven decisioning continues to advance, its effectiveness is ultimately limited by data quality. Monnai was built to address that challenge by delivering the accuracy, speed, and observability required for real-time decisioning at scale. With this funding, the company aims to extend high-quality identity and risk insights across billions of identities while strengthening performance and local coverage in priority markets.
Financial Technology Insights: Virtusa and PlayerZero Partner on AI Production Engineering
Thomas Harris highlighted Monnai’s role as a foundational layer for global financial services. By combining hundreds of hard-to-access data sources with AI-driven intelligence, Monnai is emerging as a go-to identity decisioning partner for global platforms. As software development accelerates through AI, demand for high-fidelity, deeply integrated data infrastructure continues to rise—positioning Monnai for long-term differentiation and defensibility.
Today, customers rely on Monnai as an extension of their internal risk and fraud teams. Improved data signals translate directly into measurable outcomes such as higher onboarding acceptance rates, lower default and churn rates, and more accurate risk models. As digital onboarding, fraud prevention, and credit decisioning increasingly depend on AI, Monnai provides the global data backbone required to ensure those systems remain accurate, observable, and effective across markets in real time.
To share your insights with the FinTech Newsroom, please write to us at info@intentamplify.com