Morse
Ex-Monzo/Facebook team making stablecoin P2P feel like iMessage, on Solana; rebranded from Sling Money in April 2026.
Stablecoin P2P on Solana, rebranded from Sling Money in April 2026; multi-currency accounts and a card across 150+ countries.
- Who holds it
- You do. Funds sit on-chain in a wallet the company cannot freeze.
- The ledger
- The blockchain — no company keeps the authoritative record.
- If it fails
- Nothing on the company side to fail; but lose your keys and the money is gone for good.
Derived from Morse’s regulation type and custody — a class of protection, not a guarantee. Limits and eligibility vary by scheme, balance and jurisdiction; confirm before you rely on it. What happens if a neobank shuts down →
The facts
| Category | web3-native |
| HQ | London, UK |
| Founded | 2023 |
| Custody | Self-custodial |
| Regulation type | MiCA CASP (EU) |
| License detail | MiCA-licensed (Avian Labs Netherlands B.V.) |
| Card | Visa · P2P + card |
| Stablecoins | Yes |
| KYC | Yes |
| Active regions | North America, Europe, Latin America, Africa, MENA, Asia, Oceania |
| Countries | United States, United Kingdom, European Union, Nigeria, Kenya, Global |
| Founders | Mike Hudack, Simon Amor |
| Funding | ~$30M raised |
Verified links: official site ↗ · terms ↗ · @slingmoney ↗
Common questions about Morse
What is Morse?
Morse is a self-custodial, on-chain-first neobank, headquartered in London, UK and founded in 2023. You hold the keys: Morse never takes custody of your funds. It is regulated as a MiCA CASP (EU) (MiCA-licensed (Avian Labs Netherlands B.V.)).
Does Morse have a card, and where can you use it?
It issues a Visa p2p and card. It is available in 6 countries, across all 7 world regions tracked here.
Does Morse require KYC?
Yes. Morse requires identity verification (KYC) to open an account, as a mica casp (eu).
Early investors
Peers
Phantom · Zengo · MiniPay · Eco (Beam) · Dakota · MetaMask
Morse appears in
Neobanks authorised as crypto-asset service providers under MiCA (9) · Neobanks available in North America (127) · Neobanks available in Europe (145) · Neobanks available in Asia (133) · Neobanks available in Oceania (73) · Neobanks available in Latin America (114) · Neobanks available in Africa (93) · Neobanks available in MENA (86) · Neobanks that issue a Visa card (184) · Neobanks in United Kingdom (29)
Figures compiled from public sources, for comparison only — not financial advice. "Up to" rates change constantly; always confirm with the issuer. Spotted an error? Suggest a fix.