In Moneda, you can open two virtual accounts: Virtual EUR Account (via IBAN) and a Virtual USD Account (via US account number) so you can deposit funds SEPA or ACH, respectively. The deposit, upon arrival, triggers conversion/settlement into your system (e.g., into EUR or USD stablecoin balances). You can also receive from and send to third-party bank accounts, for example, paying friends or vendors, after adding their details.