Monii is a danish fintech company with a vision to build Gen. 2.0 digital bank targeted micro businesses in Europe. Via a Banking-as-a-Service model we can integrate an unlimited amount of financial services into our banking platform via API integrations. This gives us the possibility to customize a digital bank that and integrate the specific financial services which these customers need to run their business today. For decades newly started businesses, in large part of Europe, has been discarded by traditional incumbent banks. Many have been declined when applying for a basic business bank account and small business loans. We are here to change that! We want to ensure financial inclusion for all micro businesses in Europe, both newly started businesses and existing micro businesses. The segment is severely underserved in many markets and they are struggling to get serviced by current players. The competitions is very low in this segment, despite the segment accounting for 22,8 million micro businesses in Europe. The potential is huge and we are seizing the opportunity! Our mission: We want to ensure financial inclusion and fairness by utilizing the new BaaS banking technology to create a unique product, tailored to micro businesses in Europe. What is Banking as a Service (BaaS)? BaaS is a model that allows non-bank businesses (like Monii) to offer financial services by integrating bank products through APIs. It enables companies to provide banking-like services without becoming a licensed bank.   How BaaS model works? BaaS allows non-banking businesses to offer financial services through licensed banks. Unlike traditional banking, where only banks provide services, BaaS enables companies—like FinTechs or retailers—to integrate banking features directly into their products. This model opens up multiple revenue streams while letting customers enjoy seamless financial solutions, such as payments, loans, and digital wallets, without leaving their favorite platforms (Monii platform). Where we are today: