Are Moneda Points worth money, and can I trade or cash them out?

Not for money. Moneda Points are non-monetary, offchain accounting entries kept in Moneda's internal systems, not recorded on any blockchain. They have no monetary value and cannot be redeemed for cash, fiat currency, stablecoins or crypto-assets. The only thing they can be exchanged for is AI credits, where and for as long as Moneda offers this, at the rate and within the minimum and maximum amounts shown in the app. Redemption is final: AI credits obtained this way cannot be turned back into points, refunded or paid out. Points are not transferable or tradeable unless Moneda explicitly authorises it in writing, and they create no ownership or contractual right against Moneda. Taking part is optional and does not guarantee any future reward or benefit. Moneda can change, suspend or end the programme at any time, and points may then be reduced, forfeited or made unusable without compensation. Points have no value or effect if your account is closed or on Moneda's insolvency or dissolution.