Self-funded by design
MONOBANK is bootstrapped. Every milestone, every hire, and every market we plan to enter is financed by the team building the company.
Investors
Self-funded. Selectively open.
MONOBANK is bootstrapped and execution-led. We invest in our own company, finance our own roadmap, and back our own decisions. We are open to a small number of strategic investors — but only when they bring real operating value, not capital alone.
How we operate
Our financing model is part of the product strategy — calm, deliberate, and aligned with long-term customer trust.
Revenue over runway
We grow through real usage and disciplined unit economics, not by stretching capital between fundraising rounds.
Equity is not for sale alone
We do not give away project shares for cash. Capital, on its own, is the cheapest thing on the table.
Open to productive partners
We are open to investors who bring more than money — operating experience, scaling expertise, market-entry knowledge, distribution, or relationships that genuinely accelerate the product.
For the record
Investors we respect — none of whom have invested in MONOBANK
We respect many of the world’s leading investors and firms. Listing them here is not a credential, an implication, or a hint — it is a clarification. None of the firms below have invested in MONOBANK. We build with our own capital and back our own decisions.
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Sequoia Capital
Has not invested in MONOBANK.
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Andreessen Horowitz
Has not invested in MONOBANK.
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Accel
Has not invested in MONOBANK.
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Benchmark
Has not invested in MONOBANK.
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Index Ventures
Has not invested in MONOBANK.
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Founders Fund
Has not invested in MONOBANK.
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Lightspeed Venture Partners
Has not invested in MONOBANK.
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General Catalyst
Has not invested in MONOBANK.
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Y Combinator
Has not invested in MONOBANK.
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SoftBank Vision Fund
Has not invested in MONOBANK.
Trademark & attribution notice
All firm names referenced above are the property of their respective owners. They are listed solely to make MONOBANK's funding position unambiguously clear. MONOBANK has no commercial, contractual, advisory, or investment relationship with any of the firms listed, and no endorsement by — or affiliation with — any listed firm is implied or should be inferred.
The visual marks shown are brand-indicative monograms used for identification only; they are not the official trademarks or logos of the firms named, and are not authorised, sponsored, or endorsed by them.
What productive looks like
We are open to investors who shorten the path to a better product or a stronger market position — not just to ones who wire funds.
Operating experience
Operators who have scaled regulated consumer fintech products from early launch through multi-market growth.
Market entry
Knowledge of regulatory, partner, and go-to-market realities in target European jurisdictions and adjacent regions.
Distribution
Access to channels and audiences that fit MONOBANK’s product, ethics, and customer profile.
Strategic partnerships
Relationships across card issuance, payment networks, identity, and infrastructure that materially shorten the path to launch in a new market.
Strategic investor enquiries
Productive partnerships only. If you bring operating experience, scaling expertise, market-entry knowledge, or distribution that materially helps MONOBANK, write to us at radomir@monobank.com. We respond to qualified enquiries within a few business days.