Digital Transformation In Payments: The API-First Revolution
The world doesn’t need another generic debit card. But it does need financial tools that actually keep up with how people live, earn, store and move value.
Dmitry Ivanov
12 December, 2025
3 minutes
Behind the Headlines
Becoming part of the Exodus ecosystem represents a profound step change for our journey. Their scale, community, vision, and commitment to self-custody align naturally with the infrastructure and regulated capabilities we’ve spent years building. Together, we believe we can unlock a future where digital value moves as freely, securely, and globally as information already does.
For our clients, we see this as an opportunity to deliver even more - more reach, more capability, more innovation, and more confidence in the rails beneath their programmes.
For our team, this is a moment of energy and acceleration. The partnership with Exodus gives us the platform to bring our best work to the world, at a scale we could not have achieved alone.
For our clients, we see this as an opportunity to deliver even more - more reach, more capability, more innovation, and more confidence in the rails beneath their programmes.
For our team, this is a moment of energy and acceleration. The partnership with Exodus gives us the platform to bring our best work to the world, at a scale we could not have achieved alone.
Through its API-first MonavateOne platform, the company provides end-to-end issuing, authorisation, settlement, and compliance capabilities that bridge traditional finance and decentralised financial technologies. With more than 6.3 million cards issued and over £6.5 billion in processed payments to date, Monavate powers next-generation payment experiences for innovators across fintech, Web3, travel, insurance, media, and enterprise.
What Comes Next
A Moment in a Much Bigger Shift
And for global payments at large, we believe this combination will play a meaningful role in shaping the systems and standards of the next era - one where programmable money, stablecoins, and real-time settlement are foundational, not futuristic.
To our clients: thank you for trusting us with your programmes and your vision. To our colleagues - past and present: thank you for building something worth acquiring. And to the market: this is only the beginning. The next chapter is bigger, bolder, and unmistakably global - and we are excited to build it as part of the Exodus family.
To our clients: thank you for trusting us with your programmes and your vision. To our colleagues - past and present: thank you for building something worth acquiring. And to the market: this is only the beginning. The next chapter is bigger, bolder, and unmistakably global - and we are excited to build it as part of the Exodus family.
About W3C Corp
W3C Corp is a newly formed global payments infrastructure group created through the combination of Monavate Holdings Ltd. and Baanx.com Ltd (subject to regulatory approval). Unifying two of the most advanced companies in card issuing, digital asset payments, and regulated financial infrastructure, W3C brings together deep expertise across traditional finance and emerging decentralised technologies.
The group delivers end-to-end capabilities spanning regulated card issuing, processing, compliance, digital asset settlement, and hybrid fiat-on-chain financial services. With a footprint across the UK, EU, and international markets, W3C is designed to power the next generation of global payment experiences — connecting modern Web3 value flows with the trust, governance, and scalability of established financial systems.
W3C’s mission is to build infrastructure that makes programmable money usable at scale, enabling businesses, platforms, and innovators to move value instantly, securely, and across borders with confidence.
The group delivers end-to-end capabilities spanning regulated card issuing, processing, compliance, digital asset settlement, and hybrid fiat-on-chain financial services. With a footprint across the UK, EU, and international markets, W3C is designed to power the next generation of global payment experiences — connecting modern Web3 value flows with the trust, governance, and scalability of established financial systems.
W3C’s mission is to build infrastructure that makes programmable money usable at scale, enabling businesses, platforms, and innovators to move value instantly, securely, and across borders with confidence.
What Comes Next
W3C Corp is a newly formed global payments infrastructure group created through the combination of Monavate Holdings Ltd. and Baanx.com Ltd (subject to regulatory approval). Unifying two of the most advanced companies in card issuing, digital asset payments, and regulated financial infrastructure, W3C brings together deep expertise across traditional finance and emerging decentralised technologies.
The group delivers end-to-end capabilities spanning regulated card issuing, processing, compliance, digital asset settlement, and hybrid fiat-on-chain financial services. With a footprint across the UK, EU, and international markets, W3C is designed to power the next generation of global payment experiences — connecting modern Web3 value flows with the trust, governance, and scalability of established financial systems.
W3C’s mission is to build infrastructure that makes programmable money usable at scale, enabling businesses, platforms, and innovators to move value instantly, securely, and across borders with confidence.
The group delivers end-to-end capabilities spanning regulated card issuing, processing, compliance, digital asset settlement, and hybrid fiat-on-chain financial services. With a footprint across the UK, EU, and international markets, W3C is designed to power the next generation of global payment experiences — connecting modern Web3 value flows with the trust, governance, and scalability of established financial systems.
W3C’s mission is to build infrastructure that makes programmable money usable at scale, enabling businesses, platforms, and innovators to move value instantly, securely, and across borders with confidence.
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