Is Moneda regulated, and who provides the regulated services?

Moneda itself is not regulated. It's the app you use, not a bank or a broker, and it never holds your money. The regulated services in the app come from licensed partners, each under its own terms:

• Stocks and ETFs: Dinari, a regulated broker, provides your brokerage account. Every tokenised share is backed one-for-one by a real share it holds.
• Virtual accounts and bank transfers: MoonPay Enterprise (formerly Iron).
• EUR and USD balances: EURC and USDC, electronic money tokens issued by Circle under the EU's MiCA rules.

Some features don't involve a regulated partner. The Earnings Account, for example, runs on DeFi protocols. The app tells you when that's the case.