Monarch offers mobile and desktop apps, a decentralized wallet, a decentralized ERC20 exchange, a BTC/ETH fiat gateway, a portfolio tracker, and universal KYC integration. The Monarch Wallet supports more than 3,000 cryptocurrencies and allows qualified users to buy cryptocurrency with a bank or credit card, earn up to 8.1% APR interest on select cryptocurrency holdings, and all users can switch between hot and cold wallets, all while maintaining their own private keys and seed. The Monarch Market Place will allow its users to access companies and services through one login process as well. Monarch also has a decentralized recurring crypto payment platform called MonarchPay anyone can use to accept custom and subscription/recurring crypto payments.