# Munify

> Global money, instant motion.

Munify helps users move money across borders by using blockchain rails, multi-currency accounts, and virtual cards for fast, low-cost payments.

Munify helps businesses and individuals move money globally through a blockchain-powered platform. Users can hold multiple currencies, make cross-border payouts, accept payments, and use stablecoin-backed virtual cards. The system focuses on speed, cost control, and security across regions and payment methods.

- Type: Company
- Sector: Payments
- Status: Active
- Profile: https://thegrid.id/profiles/munify

## Products

- [Munify Accounts](https://thegrid.id/profiles/munify): Munify Accounts provides multi-currency accounts with unique bank details per currency, instant account approval, real-time currency swaps, and cross-border send and receive for global freelancers and businesses. (Neobank, Live, Main Product)
- [Munify Cards](https://thegrid.id/profiles/munify): Munify Cards are USDC-funded virtual cards for online and in-store spending globally, with instant issuance, unlimited card creation, per-card spending limits, and real-time transaction tracking, usable in any currency wherever cards are accepted. (Card, Live)
- [Munify Infrastructure](https://thegrid.id/profiles/munify): Munify Infrastructure is a B2B API suite enabling developers and platforms to embed global payouts, pay-ins, and USDC card issuance, with real-time money movement across MENA, transparent FX rates, and RESTful APIs backed by direct bank relationships. (Financial Services Platform, Live)

## Links

- [Main](https://munify.ai)
- [Blog](https://www.munify.ai/blog)
- [Documentation](https://docs.xp.munify.ai)
- [YouTube](https://www.youtube.com/@MunifyAI)
- [LinkedIn](https://www.linkedin.com/company/munifyai)

## Legal

This data is provided under two licensing models.

Model 1 - open data. The open data core is licensed under the Open Database License (ODbL) — a copyleft/share-alike license allowing free use, modification, and sharing for any purpose. Attribution is required: include "Powered by The Grid" linking to https://thegrid.id wherever the data is used. Derivative databases must be shared under ODbL terms. Trademarks, logos, and brand names (marked "Special TPIP") are not covered by the ODbL. For ML/AI use: training datasets that substantially extract ODbL data are Derivative Databases and must be shared under ODbL if publicly used; models must be attributed in documentation.

Model 2 - commercial licenses. The Grid Data Service (TGDS) is also available as a commercial license. See [Web Services Terms](https://about.thegrid.id/legal/web-services-terms) for commercial use that is not covered by the open data service.

The following applies to both licensing models.
- All data is provided AS IS with no guarantees of accuracy.
- The Grid does not provide investment, legal, or tax advice, and
- a project's presence in The Grid's data does not imply endorsement.


- [Data Licensing & Disclaimers](https://about.thegrid.id/legal/data-licensing-and-disclaimers): Licensing models and disclaimers
- [Open Data (ODbL)](https://about.thegrid.id/legal/open-data): Open Database License terms and scope for The Grid's open data service.
- [Attribution Guidelines](https://about.thegrid.id/legal/open-data-attribution-guidelines): How to attribute The Grid's data when using the open data service.
- [Web Services Terms](https://about.thegrid.id/legal/web-services-terms): commercial Terms for using data services.
- [All Legal Documents](https://about.thegrid.id/legal): Full index of terms, policies, and disclosures

## Optional

- [TGS Field Descriptions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-field-descriptions.md): Schema field definitions for The Grid's data model
- [TGS JSON Structure](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-json-structure.md): Data model structure and relationships
- [Product Type Definitions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-definitions.md): Definitions for each product type
- [Product Type Classification](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-classification.md): Guide for classifying products into types
- [Grid MCP Guide](https://github.com/The-Grid-Data/workspace-public/blob/main/grid-search/skills/grid-query/references/grid-mcp-guide.md): How to query The Grid programmatically via MCP