--- title: "Moneda AI and Investing are now live" description: "Moneda AI, a financial agent that researches, shows its sources and prepares trades you approve, is live with US stocks, ETFs, commodities and crypto." url: https://moneda.com/blog/moneda-ai-and-investing-are-now-live lang: en --- # Moneda AI and Investing are now live > Moneda AI, a financial agent that researches, shows its sources and prepares trades you approve, is live with US stocks, ETFs, commodities and crypto. Published: 2026-10-27 Author: Moneda Source: https://moneda.com/blog/moneda-ai-and-investing-are-now-live --- Good financial judgement has always been rationed by price. If you could pay for an analyst, you got the research, a second opinion and someone keeping an eye on your portfolio. If you invested on your own, you got a search bar, twenty open tabs and numbers nobody could trace. Moneda AI is built to give that to anyone who invests on their own. As of today, it is live in the Moneda app, alongside investing in US stocks, ETFs, commodity funds and crypto. Ask it about any of them and it does the research, shows you where every figure came from and helps you build a portfolio from the companies you choose. Then you invest, in the same app, and every decision stays yours. > “We’re building the analyst most people never had: one that does the research, shows its sources and leaves the decision with you.” > > Federico Kunze Küllmer, Founder and CEO ## What’s launching today Moneda AI is a financial agent built into the Moneda app. It researches any stock, ETF (a basket of assets you buy in one go), commodity or crypto asset, using live market data and companies’ own filings, and it prepares trades for you to approve. It runs on Numa 1, our financial AI engine, made in Europe. You can [read more about Numa 1](/models/numa-1). Investing sits right beside it: US stocks and ETFs, commodities such as gold, silver and oil through commodity funds, and crypto, including Bitcoin and Ethereum. Your investments appear together in one view. Research, portfolio and trade, in one place. We call it Neo Finance: an AI does the research, the analysis and the tracking, and you make every decision. ## What you can ask The best place to start is a question you’d put to a friend who happens to be an analyst: - “What changed in the last filing?” - “What’s the bull and bear case for this stock?” - “How does this stock compare to its peers?” - “Help me get started with investing.” Moneda AI reads the company’s own filings, its earnings call transcripts and live market prices, then answers in plain language. You get the strongest case for and against, side by side, and each figure links to the filing or data it came from, so you can check it yourself. Market figures come from live data, never from the model’s memory. And when a term is new to you, Moneda AI explains it at your level. ## Build it, test it, then invest Tell Moneda AI which companies and funds interest you, and it drafts an illustrative portfolio from them, with a target weight for each holding and the reasoning behind it. Then try it on paper. Follow it as a simulated portfolio, run a backtest, or replay how it would have fared through 2008, 2020 and 2022. When you’re happy with it, Moneda AI prepares the orders and you approve them. Because you buy fractions of a share, you can own any company, whatever its share price. And you can place an order whenever it suits you, even at night. Orders placed outside US market hours are queued and filled when the market opens. ## It keeps an eye on what you own Once you’ve invested, Moneda AI keeps watch: - A daily briefing every weekday morning, at your local time, with news on your holdings, upcoming earnings and how your portfolio did. - Price alerts for the moves you care about. - A portfolio score for return, risk and concentration, with the agent’s take on what’s driving it. - A performance chart that measures your portfolio against benchmarks such as the S&P 500. ## You make every call Moneda AI works in four steps. You ask. It prepares. You check. You approve, with one look or one touch of your passkey. It can prepare a trade, but it cannot sign one, and nothing happens outside what you have approved. Moving money takes a second passkey, separate from the one you sign in with, so even if someone signs in as you, they still cannot move your money. Nor does Moneda AI tell you to buy or sell. It gives you the full picture, and the decision is yours. ## Works with Claude and ChatGPT Already use another AI tool? With Moneda MCP (built on an open standard that lets AI tools connect to other apps), you can link Claude, ChatGPT and others to your Moneda account. You choose what each one can do, see every connected agent in the app and can switch any of them off. Anything that moves money still needs your passkey approval in the Moneda app. Our guide explains [how to connect Claude or ChatGPT to your investments](/blog/how-to-connect-claude-or-chatgpt-to-your-investments). ## Free to start Every plan includes Moneda AI, the free one included, along with commission-free stock trades each month. Premium and Ultra add more AI usage, more commission-free trades and lower fees. [Compare the plans](/plans). ## How to get started 1. [Download Moneda](/go/app?src=launch-blog), or update the app if you already have it. 2. Tap Ask the agent on any screen. 3. Ask your first question about a company you already know. To see more first, explore [everything Moneda AI can do](/financial-agent) and [everything you can invest in](/invest). Stocks and ETFs are also available to customers in the US. Start with one good question.