FOR FINANCIAL INSTITUTIONS

The commercial infrastructure for relationship pricing.

Today's customers have multi-product portfolios, two-sided transaction relationships, stablecoin accounts, and an expectation of pricing that reflects their full value to the institution. Monetize360 is the commercial infrastructure purpose-built for it.

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THE COMMERCIAL MOMENT

Pricing is the most underused lever in financial services.

The market is forcing financial institutions to use it.

50%+

Revenue leakage from unsystematic discounting in corporate and wealth banking with no profitability tracking (Simon-Kucher)

$280B

USD stablecoins outstanding (2025). GENIUS Act now requires FIs to build stablecoin billing infrastructure.(Brookings)

70%

Of bank clients would accept individualized pricing if it reflected their relationship value, yet most institutions still price products in isolation.

WHERE REVENUE LEAKS

Eight commercial failures eroding your P&L.

They share one root cause: a fragmented commercial engine that fails to connect pricing, billing, and profitability across the client relationship.

No dynamic pricing

Legacy banking systems cannot read and translate real-time signals into individualized offers without manual approval for each one.

Invisible relationship value

A client with deposits, a credit facility, and FX flow is three separate P&L lines with no system that prices what they are worth in aggregate.

One-sided billing

When banks facilitate B2B payments, legacy billing systems only invoice one party and leave the other unmonetized.

Stablecoin billing gap

The GENIUS Act created new billing events, transaction fees, reserve charges, custody costs, that do not fit any structure legacy banking was built to handle.

Ungoverned RM discounts

Bank relationship managers apply manual discounts that lack a governed workflow connecting concessions to overall profitability.

ECR calculated in silos

Most banks calculate the Earnings Credit Rate per account, with no view of total client balances across entities, leaving large clients overcharged and others overcredited.

Isolated trade finance

LC fees, FX flows, and deposit balances live in separate banking systems, preventing consolidated client pricing.

Manual FX spreads

Bank FX pricing relies on manual spreadsheets and RM discretion, leading to inconsistent application without shared governance.

MONETIZE360

One commercial engine that gives you complete margin control.

Pricing

Calculate and set the exact right price for every customer across their entire portfolio using real-time data rather than static tariffs.

Dynamic pricing

Relationship pricing

Discount governance

Monetize360 gives institutions the commercial infrastructure to price, bill, and govern intelligently across every client relationship, capturing margin that was always there but never reachable.

Billing

Replace fragmented revenue streams with a single billing engine. See a full-picture view of client profitability.

Two-sided monetization

Every B2B transaction has two billable parties. Monetize360 bills and settles both simultaneously, capturing revenue legacy billing left on the table.

ECR aggregation

Earnings credits link to the full corporate relationship across every account, entity, and currency, so large clients are never overcharged and margin is never silently written off.

Digital asset accounts

Monetize360 supports stablecoin accounts natively, with billing for transaction fees, reserve charges, and custody costs that no core banking system offers.

MONETIZE360

One commercial engine that gives you complete margin control.

Monetize360 gives institutions the commercial infrastructure to price, bill, and govern intelligently across every client relationship, capturing margin that was always there but never reachable.

Pricing

Calculate and set the exact right price for every customer across their entire portfolio using real-time data rather than static tariffs.

Dynamic pricing

Relationship pricing

Discount governance

Billing

Replace fragmented revenue streams with a single billing engine. See a full-picture view of client profitability.

Two-sided monetization

ECR aggregation

Digital asset accounts

BUILT FOR FINANCIAL INSTITUTIONS

Six structural commitments that generic billing platforms cannot match.

Each of these structural commitments was specifically made to handle the commercial complexity and regulatory demands of financial institutions.

Pricing logic moves at market speed.

Monetize360 sits upstream: consuming data from core, CRM, market feeds, and risk systems, computing the right price, and passing instructions downstream.

The relationship is the unit of pricing, not the product.

Monetize360 holds a unified customer profitability model that spans products, business lines, and household members and lets pricing decisions be made against the full picture.

Bills on both sides of every transaction.

Every transaction generates revenue on both sides. Payer and payee each have their own fee logic, invoice, and settlement instruction, so every billable event is captured.

Stablecoin is a native account type.

Stablecoin, tokenized deposit, and traditional accounts are first-class account types in the same billing layer, making GENIUS Act compliance straightforward

ECR, trade finance, and FX share one profitability model.

Monetize360 consumes data from all three, applies relationship-level pricing logic across each, and produces a unified account analysis statement for the RM, client, and the CFO.