Monflo

The main activity of the company Monflo is to provide an innovative financial platform that allows users to manage both euros (EUR) and crypto-assets from a single Web3 IBAN account. Monflo offers account management services, exchange (swap) between euros and cryptocurrencies, bill payment, sending and receiving money, as well as secure storage of digital assets and fiat currency.

The main products and services of Monflo include:

• A personal or business Web3 IBAN account to manage euros and crypto-assets simultaneously.
• An exchange aggregator allowing users to swap cryptocurrencies directly from the IBAN account, with access to the best market rates.
• A personal vault to securely store euros and crypto-assets, without pooled accounts.
• Transparency and fund verification tools via the blockchain.
• Compliant and regulated services, with registration with the Dutch Central Bank (DNB) and a MiCA license.

Monflo targets a broad market, including both individuals and businesses wishing to benefit from the simplicity of traditional finance and the freedom offered by crypto-assets, without requiring advanced technical knowledge. The platform is aimed at European users who want to manage, exchange, and secure their funds in euros and cryptocurrencies in a transparent, fast, and secure way.

Monflo is an innovative company specializing in the integrated management of assets in euros and cryptocurrencies. Founded by Chhay Lin Lim, the company quickly established itself as a key player in digital finance in the Netherlands, becoming the country’s first provider of Web3 IBAN accounts. Today, Monflo is a crypto-asset service provider (CASP) licensed under MiCA by the Dutch Authority for the Financial Markets (AFM) and supervised by the Dutch Central Bank (DNB).

Key stages in Monflo’s development:

• Creation and vision: Monflo was founded with the goal of simplifying access to decentralized finance and enabling everyone to manage their euros and crypto from a single account, without prior technical expertise.
• Launch of the Web3 IBAN account: The company launched a unique platform allowing users to obtain a personal IBAN, manage transactions in euros and cryptocurrencies, pay bills, exchange assets, and store their funds in a secure personal vault.
• Obtaining the MiCA license: Monflo obtained the MiCA license, becoming one of the first regulated players in Europe to offer digital asset management services compliant with new European regulations.
• Technology and security: The security of funds is ensured by Fireblocks technology, used by the world’s largest financial institutions. Monflo guarantees transparency through fund verification on the blockchain, with no omnibus accounts or asset pooling.
• Partnerships and integrations: Monflo relies on a decentralized exchange aggregator to offer the best crypto conversion rates, and collaborates with technological and regulatory partners to ensure compliance and innovation.
• Recognition and awards: In 2025, founder Chhay Lin Lim received the “Crypto Hero 2025” award from the BeursInside platform, highlighting Monflo’s impact on the Dutch crypto ecosystem.
• Development of new products: Monflo continues to innovate with the development of new services and features, aiming to democratize access to digital finance for individuals and businesses.

Today, Monflo stands out for its transparent approach, regulatory compliance, and commitment to making decentralized finance accessible to all, while ensuring security and ease of use.

The founder and CEO of Monflo is Chhay Lin Lim. He was awarded the Crypto Hero 2025 prize for his role as an innovator in the crypto sector in the Netherlands. No other public information is available regarding other key members of the management team on the official website or in accessible sources.