Question 1

What is Moneda?

Accepted Answer

Moneda is the flagship app of Neo Finance, the new standard for self-custodial money. The app lets you hold, pay, and gain yield on EUR- and USD-denominated stablecoins while you keep sole control of your private keys. Built for a border-free, AI-native economy, Moneda offers instant stablecoin payments, optional on-chain yield, and an AI assistant.

Question 2

What is the difference between Neo Finance and a fintech app?

Accepted Answer

A fintech app delivers financial tools digitally. Payments, money management, and more are often faster and cheaper than with legacy providers like traditional banks. Neo Finance is the next step: self-custodial, stablecoin-native, and AI-assisted. Instead of holding your money, these apps let you control the keys, move value globally on public blockchains, and optionally use on-chain yield tools. Moneda is a Neo Finance app offering EUR/USD stablecoin payments, optional yield tools, and an AI assistant, all while you keep control of your keys.

Question 3

Is Moneda a (neo)bank?

Accepted Answer

No, Moneda is not a neobank. Neobanks are digital-first banks that operate under the same regulatory frameworks as traditional banks, meaning they act as custodians of your funds. In contrast, Moneda is a fintech app built on top of blockchain technology that prioritises self-custody, allowing you to maintain full control of your assets at all times. Moneda integrates blockchain-based features such as an optional earnings account and an AI advisor for personalised financial guidance. Moneda reduces reliance on legacy intermediaries while keeping you in control, but it is not a bank.

Question 4

Who is the team behind Moneda?

Accepted Answer

Moneda is a company founded in 2025 in Berlin, Germany. The team combines crypto expertise with experience in traditional finance and technology. The founding team has worked together for over three years. Contributors come from major Web3 ecosystems including Bitcoin, Cosmos, Tendermint, the Interchain Foundation, NEAR, Chainsafe, Evmos, and Axie Infinity, as well as companies such as IBM, Slack, Sentry, and the neobank Nuri.

Question 5

Are there prerequisites for signing up?

Accepted Answer

No prerequisites — just a smartphone and an email to sign up with your Google or Apple account.

Question 6

Where can I download Moneda?

Accepted Answer

You can download Moneda on Google Play (Android) or the Apple App Store (iOS).

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