Mountex
Mountex operates a regional complementary currency and digital payment platform (MTx) for South Tyrol, Italy, serving 400+ local businesses and consumers with accounts, interest-free credit, welfare benefits, and a partner network marketplace.
- Company typePrivate
- Founded2016
- HeadquartersNeumarkt, Germany
- Headcount1–10
- GTM typeB2B and B2C
- OfferingSoftware
Mountex firmographics
Firmographics- Name
- Mountex
- Legal name
- Mountex GmbH
- Website
- https://mountex.it
- Company type
- Private
- Founded year
- 2016
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Mountex operates a regional complementary currency and digital payment platform (MTx) for South Tyrol, Italy, serving 400+ local businesses and consumers with accounts, interest-free credit, welfare benefits, and a partner network marketplace.
- Ownership category
- akta.pro rank
Mountex industry classification
Industry- Product category
- Regional Complementary Currency Platform
- NAICS
- Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Alternative Payment Methods (APM) Enablement (Wallets, A2A, Local Rails) (FSAGABAJ)
- akta.pro secondary industry
- Embedded Deposit Accounts & Digital Wallet Infrastructure (FSAGALAE)
Keywords
Where Mountex is headquartered
LocationHeadquarters
- HQ city
- Neumarkt
- HQ country
- Germany
- HQ region
- Europe
Offices2 records
Markets served
Mountex business model
Business model- GTM type
- B2B and B2C
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Others
Revenue model
- Business Account Fees: Companies pay for business accounts to access MTx payment system, credit facilities, networking events, and marketing tools. Pricing not publicly disclosed, contact-based.
- Interest-Free Credit Facilities: Business accounts receive interest-free advance credit lines for financing business expenses. Revenue derived from transaction volume within the network.
- MTx Voucher Sales: Sale of MTx vouchers in denominations of €50, €100, €250, and €500. Users can purchase vouchers with Euro to load MTx accounts or gift to others.
- Welfare Program Services: Corporate welfare and fringe benefits management services for companies, including analysis, implementation, and ongoing administration.
- InnoFin+ Financing: Additional liquidity financing up to €100,000 for larger projects with low fees and no fixed repayment schedules.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Monthly | Private Account - Free |
| Subscription | Annual | Business Account - Contact for pricing |
| Unit Pricing | One time/ perpetual license | MTx Vouchers |
| Transaction based/ take rate | Pay-as-you-go | InnoFin+ Financing |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels6 records
Mountex product offering
Product offeringCore offering
Mountex operates a regional complementary digital currency (MTx) pegged 1:1 to the Euro, circulated exclusively within a closed network of South Tyrolean businesses and consumers via business accounts (Unternehmenskonto) and private accounts (Privatkonto). The platform delivers QR-code real-time payments, an automatic interest-free credit line for business accounts, an InnoFin+ financing facility up to €100,000, MTx vouchers, and Corporate Welfare / Fringe Benefits programs, all accessible through a proprietary mobile app and web portal.
Product overview
Mountex operates as a complementary regional economic circuit centered on the MTx digital currency, which maintains a stable 1:1 value with the Euro. The platform architecture consists of the core MTx payment system supported by account types for businesses (Unternehmenskonto) and individuals (Privatkonto). Supplementary offerings include Welfare Aziendale and Fringe Benefits for employee compensation optimization, MTx Vouchers for Euro-to-MTx conversion, the InnoFin+ financing solution (up to €100,000), and the interest-free MTx Vorschussrahmen credit facility. Access is delivered through the MOUNTEX mobile app (iOS/Android) and web portal (nosu.co). The ecosystem extends via ItalyHub for inter-regional Italian trade and through Networking Events that connect the over 400 partner businesses in South Tyrol.
Differentiator
Problem solved
Functional benefit
Brands
- MTx: The regional digital currency used within the Mountex economic cycle. MTx maintains a 1:1 value with the Euro and cannot be exchanged for other currencies.
- InnoFin+
Products and services
- MTx (Mountex Token)
- Privatkonto (Private Account)
- Unternehmenskonto (Business Account) Comprehensive business account for South Tyrolean companies of all sizes and sectors, offering payment processing, integrated interest-free credit facilities, access to InnoFin+ financing, networking events, marketing tools, welfare programs, and voucher management.
- Corporate Welfare & Fringe Benefits Program Corporate welfare program enabling companies to provide employees with selected goods and services from Mountex partner providers while gaining tax advantages and reducing payroll costs. Includes Fringe Benefits disbursed as MTx credits within statutory limits.
- MTx Gutscheine (MTx Vouchers) Gift vouchers purchasable with Euro (credit/debit card or PayPal via Stripe) in denominations of €50, €100, €250, and €500, redeemable for MTx credits. Valid for one year from purchase date and usable at any Mountex partner point.
- InnoFin+ Financing Additional liquidity financing solution for businesses to fund larger projects and investments up to €100,000 in MTx, with flexible terms, no fixed repayment installments, and low fees.
- MTx Vorschussrahmen (MTx Credit Facility) Integrated interest-free advance credit line automatically available to all business accounts, enabling financing of smaller expenses that can be repaid through sales within the MTx circuit.
- ItalyHub Inter-Regional Service Extension service enabling MTx usage in Italian regions outside South Tyrol, providing access to over 10,000 businesses across Italy for customer acquisition, partnership development, and supplier relationships.
Quantifiable outcome
- 400+ businesses and many private individuals in the South Tyrol network
- +2 more outcomes
Companies that use Mountex
Customer profileNamed customers5 records
Segments3 records
Ideal customer profiles3 records
Mountex technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
Feature4 records
Mountex partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core and minor.
- Social Trade OrganizationcoreProvider of certified technologies powering the Mountex payment system. Technologies are certified and award-winning, ensuring security and stability for MTx transactions.
- RothoblaasminorFeatured host partner for inter-regional trade events between Mountex and SardexPay networks. Hosted meet-and-greet event with speed-dating networking format.
- SardexPaycorePartnership for 'Intercircuito' (inter-regional trade between currency circuits). Enables cross-border commerce between South Tyrol and Sardinia networks.
- NATIVAminorCo-organizer of THUNIVERSUM events focused on sustainable business practices and benefit corporations, in collaboration with THUN and Virgin Active.
- FC SüdtirolminorRegional sports organization with logo partnership providing marketing visibility and community engagement.
- HCB (HC Bolzano)minorHockey club partnership with VIP lounge sponsorship at the Sparkassenarena, providing marketing visibility at events.
- CoopbundminorSocial partner with logo display, representing cooperative values alignment.
- ItalyHub NetworkcoreNetwork of over 10,000 companies across Italy enabling MTx usage beyond South Tyrol for travel, business, and commerce.
Scale indicators5 records
Recent moves6 records
Expansion highlights6 records
Mountex competitors and assessment
Company assessmentBroad incumbents
- Satispay: Satispay is an Italian mobile payments network serving consumers and merchants with account-to-account transfers. It is a broad incumbent in Mountex's home market with overlapping merchant acquisition and digital wallet use cases, though Satispay uses Euro rather than a complementary currency.
- PayPal: PayPal is a global digital payments incumbent with merchant services and consumer wallets. While not a regional currency, it competes for the same SME payments, wallet, and welfare-related payment flows that Mountex targets in Italy.
Direct peers
- SardexPay: SardexPay operates the Sardinian complementary currency circuit using Social Trade Organization technology, the same stack Mountex runs on. The two networks are directly linked via the Intercircuito partnership for inter-regional B2B trade, making SardexPay the closest functional peer.
- WIR Bank: WIR Bank is Switzerland's long-established SME-focused complementary currency network. It offers a balance-based trade system for member businesses that mirrors Mountex's MTx model in mechanism (interest-free credit, network-restricted currency) and target (regional SMEs).
- Chiemgauer: Chiemgauer is a German regional complementary currency serving the Chiemgau region. It shares Mountex's core mechanic of a 1:1-pegged local payment medium designed to keep economic value within a defined regional economy.
- Bristol Pound: Bristol Pound was a UK regional currency that circulated alongside GBP within the Bristol area. It is directly comparable to Mountex as a place-bound digital and physical currency supporting local commerce.
- Banco Palmas: Banco Palmas operates a community currency and financial services platform in Brazil's low-income communities. It is comparable to Mountex as a regionally-scoped complementary currency paired with credit and payment infrastructure for local SMEs.
Others
- Stripe: Stripe is the payment processor Mountex already uses for MTx voucher sales. It is an ecosystem participant rather than a direct competitor, but relevant as a benchmark for payment infrastructure scale and developer-friendly tooling that Mountex may eventually need to match.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
Mountex social profiles
Digital presenceMountex compliance and trust
Trust signalCompliance1 record
Mountex financial estimates
Financial estimateRevenue estimate
Valuation estimate
Mountex leadership team
Management profileNumber of profiles
Profiles4 records
Mountex funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Mountex M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Mountex
What does Mountex do?
Mountex operates a regional complementary digital currency (MTx) pegged 1:1 to the Euro, circulated exclusively within a closed network of South Tyrolean businesses and consumers via business accounts (Unternehmenskonto) and private accounts (Privatkonto). The platform delivers QR-code real-time payments, an automatic interest-free credit line for business accounts, an InnoFin+ financing facility up to €100,000, MTx vouchers, and Corporate Welfare / Fringe Benefits programs, all accessible through a proprietary mobile app and web portal.
Is Mountex a public or private company?
Mountex is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Mountex founded?
Mountex was founded in 2016. It employs 1 to 10 people.
Where is Mountex based?
Mountex is headquartered in Neumarkt, Germany, in the Europe region.
How does Mountex make money?
Five revenue lines are on record. Business Account Fees are the primary driver. The others are interest-Free Credit Facilities, MTx Voucher Sales, welfare Program Services and innoFin+ Financing.
Who are Mountex's main competitors?
Broad incumbents on record are Satispay and PayPal. Direct peers are SardexPay, WIR Bank, Chiemgauer, Bristol Pound and Banco Palmas. Stripe is listed as an others.
Does Mountex have an API?
No public API is recorded for Mountex.
What industry is Mountex in?
Mountex's product category is Regional Complementary Currency Platform. Its primary akta.pro industry code is FSAGABAJ, Alternative Payment Methods (APM) Enablement (Wallets, A2A, Local Rails), with a secondary code of FSAGALAE, Embedded Deposit Accounts & Digital Wallet Infrastructure. Its NAICS code is 518 and its SIC code is 6199.