Moneda Points

Moneda Points are non-monetary points you earn through engagement and activities within Moneda, such as referring friends. They are not currency, electronic money, or a cryptocurrency. They are off-chain, non-tokenised balances maintained within your Moneda account.

No. Moneda Points are not currency, electronic money, or a cryptocurrency. They are off-chain, non-tokenised balances maintained within Moneda.

Today, points come from referrals, and both sides earn.

When you refer someone:

• 50 points when they sign up with your referral code
• 450 points when that friend completes identity verification (KYC)

When you are the one referred:

• 50 points for signing up with a referral code
• 250 points when you complete identity verification

Most of the reward depends on your friend finishing verification, not just signing up, so it is worth pointing that out when you invite someone.

More ways to earn points are coming.

Share your referral code with friends. You can find it and share it from the Invite Friends screen in the app.

You earn 50 points as soon as a friend signs up with your code, and a further 450 points once that friend completes identity verification (KYC). Your friend earns too: 50 points for signing up with your code, and 250 points when they complete verification.

Because the larger reward is tied to verification rather than signup, a referral only pays out in full once your friend has finished KYC.

You can invite as many friends as you like, but the two rewards are capped differently.

• The 50 points for a friend signing up with your code applies to your first 50 referrals.
• The 450 points for a friend completing identity verification has no cap, so the larger reward keeps paying out however many friends you refer.

You can redeem points for AI credits, which pay for your use of Moneda's AI features.

• 500 points converts to $1 of AI credits
• The minimum redemption is 100 points
• You can redeem up to $20 of AI credits per month

Redeem from the Points view in the app. The credits are added to your AI credits balance and are used before any paid credits.

No. Points you have earned do not expire, and they stay in your balance until you redeem them. If that ever changes, we will tell you in advance.

Your points balance is shown on the home screen of the Moneda app. Swipe left on the coin graphic to switch to the Points view, where you can also see your full activity history: what you earned, when, and what you have redeemed.