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TL;DR
Banking is slow, costly, and exclusionary, while crypto remains too complex for everyday use. Moneda bridges that gap with border-free EUR/USD stablecoin accounts, named IBANs, SEPA transfers, and 5–10 % self-custodial yield. As stablecoins go mainstream and AI begins automating personal finance, we’re laying the rails: simple UX, transparent infrastructure, and an intelligent agent layer –because money should work for everyone, everywhere. Join Moneda from day one; wait-listers get priority access and launch perks.
The Bleak Landscape of Modern Finance
For most people, banking is broken.
It’s slow, expensive, quietly predatory, and frankly outdated.
If you’re lucky enough to be inside the global financial system, your money earns next to nothing while your bank quietly profits from it. If you’re on the outside, living in a country with inflation, capital controls, or poor infrastructure, good luck accessing real yield, fast payments, or even the basic right to participate.
But let’s be honest: the supposed alternative, crypto, has huge barriers of its own. The tech is ready, but adoption is an uphill battle: unnecessarily complex terminology, wallet apps that look like aircraft cockpits, gas fees that eclipse the very transactions they’re meant to power, clunky on-ramps, and questionable compliance. And crypto’s reputation? Abysmal, with headlines dominated by meme-coin scams and bridge hacks.
The promise of open finance remains barricaded behind complexity, volatility, and insider jargon.
The net effect? The very people who could benefit most from borderless, censorship-resistant money (remittance senders, young professionals, migrants, savers in inflation-stricken economies, entrepreneurs priced out of global banking rails) remain locked out of both legacy finance and its crypto alternative.
We think that’s insane. So we’re building something better.
That’s the gap we’re closing. Moneda starts where traditional banks stall and where crypto fumbles the ball: making high-yield, self-custodial money as intuitive and fast as sending a text. No technical acrobatics, no jargon. A clear on-ramp to opportunity.
Meet Moneda
Moneda is a new kind of fintech: one that actually works, for everyone, everywhere.
It gives you:
- Access to stablecoins backed 1:1 by fiat (no volatility, no scams, no nonsense)
- EUR and USD accounts with named virtual IBANs, no matter where you live
- SEPA transfers, global payments
- And very soon: card payments (virtual and physical cards)
- A self-custodial Earnings Account that earns ~5–10%, not less than inflation…
- Security, transparency, and total control
No middlemen. No fine print. No gatekeeping.
Just better money.
Why now?
Because the financial world is shifting as we speak.
Stablecoins are becoming the de facto global currency – more stable than most fiat, faster than SWIFT, and more accessible than any traditional banking system. AI now automates financial decisions to which retail users have never had access, and self-custody has evolved from technical ideal to viable default.
The legacy banking system was not designed for this new world; it will not adapt quickly enough. So we’re starting over, taking the best of both worlds.
The Community
Moneda isn’t just a product; it’s a platform for accessible, borderless, high-yield finance that can scale across continents and unlock opportunity for millions.
We’re building:
- Financial infrastructure that works for anyone, anywhere
- Tools that demystify and simplify stablecoin usage
- A user experience that speaks the language of trust and control, not crypto jargon
- An intelligent layer (more on this later…) that helps your money make smarter decisions
And we’re only getting started.
That’s why we’re building a community of critical thinkers and passionate people –founders, engineers, investors, anyone who simply wants their money to work better for them. Bring your questions, challenge our assumptions, and help steer Moneda from day one.
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