Diligence memo · auto-generated · as of July 2, 2026
Monet Holdings Ltd
Monet Holdings Ltd looks under-valued against its niche peers and is at-risk on financing cadence.
Businessfiled
Monet Holdings Ltd operates in Fintech, based in GRAND CAYMAN, FL, USA; Remote. Payroll-backed loans and cash advances in Latam
Sub-sector tags: Fintech, hr/worktech.
Capital & rounds (filed)filed
Monet Holdings Ltd has raised $2.5M in disclosed capital across 4 recorded rounds, aggregated from public filings. Its latest round is modeled as Seed (a $1.0M–$4.0M round).
Largest single filing: $1.2M on 2021-07-09.
Most recent recorded round closed around 2022-10-26.
Valuation (modeled)modeled
Provath models Monet Holdings Ltd at approximately $9.3M (range $700K–$39M). This is an algorithmic estimate from round sizes and same-niche peers — not a quoted or reported figure.
Read: Under-valued. Modeled value is 0.42× the median modeled value of Seed Fintech companies in 2022–2024 (53 peers) — value vs value, same stage and era.
Financing rhythm & timingmixed
Historic cadence: a new round about every 5 months.
Last raise 3.7 yr ago; this sector typically re-raises about every 12 months.
Past due for a raise versus sector cadence — watch for distress or a bridge.
The last round stepped up 2.2× from the prior — scaling.
Comparablesmixed
Capital scale ranks ahead of 79% of Fintech peers (1063 compared).
Modeled value ranks above 72% of those peers.
Closest niche peers: Floatpays Inc, Sote, Inc., Earnipay, Pink Swan Trading, Inc., Tweed Payments Inc..
Peoplefiled
2 named people on file across officers, directors and signatories.
Risks & flagsmixed
Overdue for a raise versus sector norm — distress or bridge risk.
No clearly named CEO/founder/principal in the surfaced records — key-person evidence is thin.