Sin Bancos.Sin FronterasUna Mejor Moneda
Abre tu cuenta en euros or dólares. Mueve tu dinero globalmente, con control total. Construido sobre stablecoins reguladas.
Tus ahorros merecen más. La banca te atrapa en sistemas lentos, de bajo rendimiento y sin acceso global. Moneda te ofrece velocidad, conectividad y control en tus finanzas. Una cuenta que por fin trabaja para ti.
a new kind of finance
Earn Up to 10% APY, Tax‑Optimized
Your Money, Always
Pay & Spend Globally
Investments on Moneda's Earnings Account held for over a year can be tax‑free in Germany, while other countries may treat them as long‑term cap gains.
Only you can access, move, or authorize anything in your account. Funds on Moneda are yours to own.
Pay or receive funds in seconds with fully regulated stablecoins just like cash. Open a EUR or USD virtual account and access funds anywhere.
Como una Cuenta Tradicional, Pero Mejor.
Get paid and earn up to 10%
Your salary grows instantly with Moneda Earnings.
Near instant global transfers
Transfer EUR or USD stablecoins anywhere.
Spend and exchange easily
Spend with your Moneda Card in +170 countries.
Smarter money habits
AI helps you save and grow, no sheets.
Moneda Works Wherever You Do
"I discovered Moneda at an event and was impressed by how effortless it feels, knowing how much tech is running behind it. That’s the kind of fintech that lasts."
“I get paid from clients all over the world, and banks always make that super complicated. With Moneda, I can receive stablecoins and grow them in euros. It’s fast, fair, and gives me full control.”
“I was looking for alternative ways to manage and grow my savings under one currency. Moneda made it easy. The Earnings Account feels effortless, and I always know where my money is.”
“I joined to protect my income from inflation in a stable way. Now I can hold USD, earn yield, and still move money easily. For people here, that kind of stability and control changes everything.”
"I discovered Moneda at an event and was impressed by how effortless it feels, knowing how much tech is running behind it. That’s the kind of fintech that lasts."
“I get paid from clients all over the world, and banks always make that super complicated. With Moneda, I can receive stablecoins and grow them in euros. It’s fast, fair, and gives me full control.”
“I was looking for alternative ways to manage and grow my savings under one currency. Moneda made it easy. The Earnings Account feels effortless, and I always know where my money is.”
“I joined to protect my income from inflation in a stable way. Now I can hold USD, earn yield, and still move money easily. For people here, that kind of stability and control changes everything.”
Invita a otros. Crece juntos.
Moneda crece gracias a su comunidad. Invita a tus amigos y obtén beneficios exclusivos.
Built for Safety, Designed for You
Self-custody
Only you control your assets. Moneda never holds your funds, so there’s no risk of frozen accounts.
Passkey Login
Log in with Face ID or biometrics. It’s passwordless, phishing-resistant, and way more secure.
Social recovery
Lost your phone? Regain access through email or trusted contacts. No seed phrases, no panic.
Descubre Cuanto Podrías Ganar Con Moneda
Ingresa tu ingreso, contribuciones mensuales, duración y tu tasa de interés objetivo para visualizar el potencial de tu inversión.
Ditch TheBankOwnYour Money
Cámbiate a Moneda y abre tu cuenta internacional controlada por ti mismo.