Payment references are now live on Moneda

Attach the reference a business asks for, so your transfer carries the information needed to match the payment to you.

When you send a bank transfer on Moneda, you can now include a payment reference, and it travels with the money to the recipient.

Paying a person and paying a company are not the same thing

Most payment apps treat them as one. They are not.

A person just needs the money to arrive. A company needs to know who sent it and what it was for. Without that, a transfer lands with no name attached and no way to reconcile it against an invoice. The money is there, but the business cannot tell what it relates to.

That small gap is the reason most apps quietly stop at sending money between people who already know each other. It works for splitting a dinner bill. It falls apart the moment you owe an invoice.

What you can do now

Add the reference your recipient asks for, such as an invoice number or account code, and it appears in the payment details they receive. An invoice gets paid and reconciled cleanly. A company that accepts a bank transfer can be paid directly, from the same account you already use to send money to a friend.

No separate tool, and no chasing the recipient afterwards to confirm what the money was for.

How it works

When you set up a transfer, enter the reference in the dedicated field before you send. It is passed through with the payment, so it shows up on the recipient's side exactly as a business needs it to reconcile the transaction.

Why this matters

We tend to build this way. Each release takes out a real limit instead of adding noise. Payment references close the gap between paying people and paying the businesses in your life, so the same account works for both. That is the point of Moneda: an account you run your money from, not one more app to keep money in.