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Moneda is a co-investing app: AI does the research, and you make the call.

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 (returns vary; capital at risk; not deposit-guaranteed). It’s a category description, not a regulated banking term. Where Moneda fits: Moneda is a Neo Finance app. You hold and pay in regulated stablecoins across the currencies Moneda supports, optional yield tools, and an AI assistant, all while you keep control of your keys. You can read more about Neo Finance at https://moneda.com.

No. Moneda is a co-investing app, not a bank. Moneda AI does the research, and you decide what to buy and approve every trade yourself. Moneda doesn't hold your money: your account is self-custodial, so only you can move it.

Moneda is a company founded in 2025 in Berlin, Germany. Moneda is built by a team with a strong mix of crypto expertise and experience in traditional finance and technology. The founding team has worked together for over three years prior to starting this project. We are a team that delivers and adapts. We’ve contributed to major Web3 ecosystems including engineers from Bitcoin, Cosmos, Tendermint, the Interchain Foundation, NEAR, Chainsafe, Forte, Evmos, and Axie Infinity, giving us first-hand knowledge of the systems behind decentralised finance. Our experience also includes roles at companies such as IBM, Slack, Dreamship, Sentry (Codecov), and the neobank Nuri (formerly Bitwala). This combination of technical skill, product experience, and regulatory understanding allows us to build a secure, compliant, and globally scalable alternative to today’s banking systems. with a team made up of professionals from around the world. Together, we bring a diverse range of expertise to create a financial platform that prioritises independence and usability.

Moneda includes an AI assistant that answers questions about your account and helps you get things done in plain language. It can check your balances and earnings, explain a transaction, summarize your spending, or walk you through a feature. It only ever acts on your own account, and anything that moves money still needs your explicit approval. The assistant can't send funds on its own. You can use it inside the app, and you can also connect Moneda to outside AI assistants like Claude or ChatGPT. See the Web, API & Developer Tools section for how those connections work.

AI features run on large language models, which cost money every time they're used, so your AI usage is metered. You get an allowance included, and if you need more you can buy extra usage credits. You can also set a usage limit to cap how much AI you use. Your usage and what's left of your allowance are shown in the app.

Agent sessions let you hand a limited set of actions to an AI agent so it can act on your behalf without you approving each step. You define the limits up front (for example a specific recipient, an amount cap, and a time window), sign off with your passkey, and the agent can only act inside those bounds. This is still being built and isn't available in the app yet.

An AI assistant cannot move your money on its own. When you ask one to send a payment, it creates a payment request rather than a payment, and you get a notification asking you to approve it.

Only what you allow. Access is granted as separate permissions, not one blanket approval, and each is either read or write. For example, an assistant can be allowed to read your balances, transactions and spending without any ability to change anything.

Go to Settings > Security > Active Sessions. Assistants you have connected are listed under Connected agents, with when each was last active. Tap Disconnect on the one you want to remove. It loses access straight away.

No. Moneda AI can research a stock, explain it, and get an order ready, but it never places one by itself. When you ask it to buy or sell, you see the order in the app: the asset, the amount and the price. Nothing happens until you approve it with your Passkey. If you change your mind, just don't approve it.

Yes, your funds and earnings remain completely liquid. You can withdraw your balance, including all accrued interest, at any time through the Moneda Earnings Account.

No, Moneda Earnings does not have lock-up periods. You can deposit or withdraw your funds and accrued interest at any time, anywhere, and without penalties.

Your earnings are calculated in real time, so deposits or withdrawals won’t disrupt the accrual process. However, frequent withdrawals might reduce the compounding effect on your earnings and trigger additional taxes.

The Earnings Account supports USD ($), EUR (€) and MXN. The Smart Earnings Account supports USD and EUR.

Yes. Besides the mobile app, you can use Moneda on the web from a browser. You sign in with your passkey, and your account, balances, and history are the same on web and mobile, because everything is tied to your self-custodial wallet rather than to one device.

Yes. Moneda runs an MCP (Model Context Protocol) server that connects your account to AI assistants such as Claude, ChatGPT, and Cursor. Once connected, the assistant can read your account data and help you take actions under the same permissions and approvals you'd get in the app. Any payment, for instance, still needs your explicit confirmation. You control the connection and can revoke it at any time.

Yes. For developers and power users, Moneda offers a REST API and a command-line interface (CLI). They expose the same core capabilities as the app, reading your data and starting actions, under the same security model. Anything that moves money still needs your approval. They're meant for building integrations and automations on top of your own account.

Add Moneda as a connector in your AI tool, then sign in to Moneda and choose what it can see and do.

Yes. There are three ways in:

The Moneda Earnings Account allows you to earn passive income by depositing fiat currency, which is converted into stablecoins and supplied to Morpho, a third-party decentralised financial (DeFi) lending platform. On Morpho, borrowers pay interest on their loans, and this interest generates the returns you earn on your deposits. Your balance grows automatically through real-time, auto-compound interest, and you can withdraw your funds and earnings at any time. The Moneda Earnings Account provides a clear view of your deposits, accrued interest, and average APY in real time.

The USD Moneda Earnings Account leverages Morpho’s Spark USDC Vault on the Base blockchain. When you deposit USD, it is converted into USDC and supplied to Morpho. Borrowers on Morpho pay interest on their loans, and this interest is distributed to you as earnings. The EUR Moneda Earnings Account leverages Morpho’s Steakhouse EURC Vault, on the Base blockchain. When you deposit EUR, it is converted into EURC and supplied to Morpho. Borrowers on Morpho pay interest on their loans, and this interest is distributed to you as earnings. The rates you earn are dynamically determined by market supply and demand, providing a steady and transparent way to grow your funds.

The Moneda Earnings Account offers higher interest because it uses blockchain, which operates differently from traditional financial services.

No, returns are not guaranteed. The interest rate (APY) is dynamic and depends on:

APY stands for Annual Percentage Yield. It shows the total return you can earn on your funds in a year, including the effect of compounding interest. For example, if you earn a 5% APY, your earnings will grow faster because the interest is reinvested over time. In your Moneda Earnings Account, the APY reflects your potential returns based on market conditions. Interest on your deposit is:

The APY offered by Moneda Earnings is dynamic and adjusts in real time based on market conditions, so it varies with supply and demand. To view the current APY, simply check your Moneda Earnings account.

Earnings are accrued in real time every second and automatically reflected in your Moneda Earnings Account balance. You won’t receive discrete payments; instead, your balance grows continuously as interest accrues.

Borrower defaults are managed through Morpho’s overcollateralisation and liquidation mechanisms: • Overcollateralisation: Borrowers on Morpho are required to deposit collateral worth more than the loan they take. For example, if a borrower wants to borrow $100, they might need to deposit $150 in another supported digital asset. • Liquidation Process: • If the value of the collateral falls below a certain threshold (eg. 80%) due to market fluctuations, the protocol automatically enables any third-party (i.e Liquidators) to trigger a liquidation of the borrower’s collateral. • The collateral is then sold to repay the borrowed amount, ensuring lenders are compensated. • Liquidators are incentivised though a small commission to detect and liquidate positions of borrowers with bad debt. • Risk of Loss: While these mechanisms minimize risk, extreme market events or smart contract vulnerabilities could lead to partial losses. However, such occurrences are rare, and Morpho’s track record demonstrates strong reliability in protecting lender funds.

If the liquidated collateral amount is insufficient to cover the loaned amount (aka. “bad debt”) in a Vault, Morphos’ protocol tracks the loss so that third-parties can inject the missing funds (via a "deposit on behalf" mechanism) and ensure lenders aren’t stuck. • Worst-Case Scenario: In case of a large-scale shortfall event (e.g., due to extreme market volatility or liquidation failures) any third-party can decide to allocate funds to cover the bad debt or other recovery mechanisms to compensate lenders. In case the debt is still not covered, this bad debt amount is deducted from the vault’s "available assets" for withdrawals, so lenders can only redeem the part of their funds that are not associated with the bad debt.

While Moneda Earnings minimises risks by using Morpho, a well-established and audited DeFi protocol, no investment is entirely risk-free. Morpho has one of the best risk ratings in the ecosystem and has been praised for its focus on quality, protocol maturity and design. Key risks include: • Smart Contract Risk: Vulnerabilities in the Morpho’s money market protocol, the oracles used or the Base network. • Liquidity Risk: Limited pool liquidity during periods of high borrowing or market volatility. • Stablecoin Risk: Potential de-pegging of the stablecoin from the US dollar or Euro. • Regulatory Risk: Changes in laws affecting DeFi or stablecoins. Moneda actively monitors and mitigates these risks but cannot eliminate them entirely. You can learn more about the risks involved in Morpho at https://morpho.org.

• Overcollateralisation: Borrowers on Morpho must provide collateral worth more than the value of their loans, reducing default risk. • Audited Protocol: Morpho is a platform with a proven track record and regular audits. You can see their audit reports and verifications at https://morpho.org. • Monitoring: Moneda continuously monitors the health of Morpho protocol and the Base blockchain network to minimise exposure to adverse conditions.

The Smart Earnings Account is an enhanced Moneda savings option that uses the YO yield optimiser on Base to maximize your earnings. When you deposit money (USD or EUR) into a Smart Earnings Account, Moneda converts it into stablecoins (like USDC for USD or EURC for Euros) and deposits them into YO’s vaults (called yoUSD and yoEUR). The YO Protocol then automatically allocates these funds across different decentralized finance (DeFi) strategies to earn interest. In simple terms, it’s a “smart” account because it diversifies and optimizes your deposit across many yield opportunities, all behind the scenes. Your balance still grows through real-time, auto-compounding interest, and you retain the ability to withdraw your money (plus earnings) at any time, just like with the standard Moneda Earnings Account.

Both accounts let you earn passive income, but the Smart Earnings Account takes a more advanced approach to generate potentially higher returns. The regular Moneda Earnings Account typically supplies your funds to a single lending protocol (e.g. one lending pool on Base), which is a straightforward and lower-risk strategy. In contrast, the Smart Earnings Account leverages a yield optimiser, meaning your funds are spread across multiple DeFi platforms and strategies rather than sitting in one pool. This diversification allows for higher yield opportunities (since the optimiser finds the best rates across the market) but also comes with a slightly higher risk profile due to the broader range of protocols involved. In summary, the Smart Earnings Account is designed for those seeking better yield and are comfortable with a more dynamic strategy, whereas the standard Earnings Account sticks to a simpler, more conservative approach.

When you deposit into a Smart Earnings Account, your funds enter YO’s vault, which then spreads your assets across various yield-generating pools in DeFi. YO continuously monitors dozens of lending markets, liquidity pools, and other yield sources across multiple blockchains (like Base, Ethereum, etc.) to find where your money can earn the best risk-adjusted return. The protocol continuously monitors and rebalances to optimise yields – it shifts funds out of lower-yield or higher-risk pools and into better-performing ones. As those underlying pools generate interest (or other rewards), that yield is passed back into the vault and compounds to increase the value of your holding. YO works in the background to make sure your deposits are always deployed in profitable and reliable opportunities. Your returns come from the interest and rewards that borrowers, trading fees, or incentive programs pay in those DeFi pools. All of this happens automatically, so you simply see your Smart Earnings balance grow over time (in USD or EUR, depending on your currency) as those earnings accumulate.

The Smart Earnings Account often advertises higher APYs than traditional savings or even the standard Earnings Account because of how intelligently it deploys your funds. Several factors enable these superior yields: • Broader Opportunities: Instead of relying on a single source, the yield optimiser scours hundreds of yield alternatives across various protocols and networks to find the best rates. It is blockchain-agnostic and protocol-agnostic, meaning it can allocate funds wherever the top yield is, whether on Base, Ethereum, or elsewhere. By tapping into a wide range of opportunities (from lending platforms to liquidity pools), it captures returns that a single-platform strategy might miss. • Active Optimization: The yields are not static, the allocator of the Smart Earnings Account, YO, actively manages and rebalances the vault’s portfolio to capitalize on changing market conditions. Every day (and whenever the benefit outweighs costs), the yield optimiser algorithm shifts your assets from lower-yielding spots to higher-yielding ones. This continuous optimisation means your money is always working in the most productive place, without you having to constantly move funds yourself. • Capturing Incentives: Many yield-generating strategies come with extra rewards (for example, bonus tokens or fee incentives for providing liquidity). The Smart Earnings Account, via YO, automatically captures these additional rewards and adds them to your earnings. By collecting and compounding such rewards, the overall interest rate you earn is higher than just base lending rates. Additionally, these high yields are enabled by the nature of DeFi markets: they operate 24/7 with competitive supply-and-demand dynamics and no traditional banking overhead. That open market environment itself tends to offer higher baseline rates than a traditional savings account.

Yes. One of the key features of the Smart Earnings Account is that it supports Euro deposits in addition to USD. If you deposit euros, you invest them through YO’s euro vault (yoEUR). This means you can earn yield on your euro balance just like you would on a dollar balance. Your earnings will accrue in EUR, increasing your euro-denominated account balance over time. By using the Smart Earnings Account, European currency holders can earn meaningful passive interest on their euros.

Yes, you generally have on-demand access to your money. The Smart Earnings Account is designed to be as liquid as a normal Moneda account, with no fixed lock-up periods. The Smart Earnings portfolio keep a small percentage of their assets idle as a liquidity buffer (around 5%) specifically so that most withdrawals can be fulfilled instantly. In practice, for typical withdrawal amounts, you will be able to withdraw your full balance (principal + earnings) at any time through Moneda, and they will be accessible immediately. The only time you might experience a short delay is if you withdraw a very large amount relative to the yield optimiser’s liquidity. In that case, if your request exceeds the yield optimiser’s instant liquidity buffer, the remaining funds need to be pulled out from the underlying DeFi protocols. When this happens, your withdrawal request gets queued by the YO Protocol and those funds will be redeemed from the yield strategies within roughly 24 hours. There’s no action needed on your part. As soon as the protocol frees up the liquidity (by selling off or withdrawing funds from those protocols), the stablecoins are delivered to your Moneda account automatically. This process ensures that even large withdrawals are handled safely, though it introduces a minor time lag. Importantly, there are no penalties or fees for withdrawing, and no long-term lock-ups. This it’s just a mechanism to maintain stability in the portfolio. For the vast majority of users and normal-sized withdrawals, you’ll experience it as if it were any regular withdrawal, with your money available when you need it.

While the Smart Earnings Account is a great way to earn high yields, it is not risk-free. It involves DeFi protocols and smart contracts, so you should be aware of the key risks before investing. Here are some important considerations: • Smart Contract & Protocol Risk: The Smart Earnings strategy relies on smart contracts, both those of YO and of the many DeFi protocols it invests in. Any bug or exploit in these contracts could potentially lead to a loss of funds. Likewise, if any underlying protocol fails or is hacked, the portion of funds allocated there could be affected. YO mitigates this by using audited contracts and a curated whitelist of reputable pools, but no contract is 100% safe. • Liquidity Risk: Because your funds are invested across various platforms, there’s a possibility of encountering liquidity issues. For example, if many users withdraw at once or if an underlying pool suddenly has low liquidity, it might become temporarily hard to pull funds out quickly. YO attempts to minimize this with its liquidity buffer and FIFO withdrawal queue (so most withdrawals are instant and large ones are queued in an orderly way). Still, in extreme market conditions, access to funds could be delayed or, in a worst-case scenario, a portion of funds might not be immediately retrievable until markets normalize. • Stablecoin Risk: The Smart Earnings Account uses stablecoins (USDC for USD, EURC for Euros) as the currency of investment. These are intended to hold a 1:1 peg with fiat currency, but there’s a risk that a stablecoin could de-peg. For instance, if USDC or another underlying stablecoin were to significantly lose its value or redeemability, it would directly impact the value of deposits. While USDC and EURC are among the more trusted stablecoins (fully reserved and regulated), this risk is not zero. • Cross-Chain and Integration Risk: YO operates across multiple blockchains and DeFi protocols. This means it sometimes uses bridges or cross-chain liquidity to move assets to where yields are highest. Cross-chain operations carry the risk of bridge vulnerabilities. If a bridge used by YO is exploited, funds in transit or on other chains could suffer losses. Additionally, the more protocols involved, the more points of failure can exist (from price oracles to governance attacks on those protocols). YO’s approach of continuous risk monitoring and using only vetted strategies helps reduce exposure to problematic platforms, but it can’t eliminate the complexity risk entirely. • Market & Interest Rate Risk: The yield you earn is variable, not fixed. If market conditions change (for example, a DeFi yield opportunity dries up or rates drop because lots of capital floods into the same strategy), your APY will go down. In extreme cases, certain strategies could even yield negative returns momentarily (though YO would likely rotate out of those). Also, extreme volatility or events in crypto markets might indirectly affect your earnings or temporarily the value of reward tokens that contribute to your yield. How YO mitigates risk: The YO Protocol is built with several safety-oriented features. Its contracts have been independently audited, and it operates under conservative governance (secured by multi-signature controls and an active bug bounty program). YO also uses Exponential.fi’s risk ratings to evaluate each pool it invests in; if a particular strategy’s risk score worsens (due to a hack, instability, etc.), YO can automatically reduce or halt exposure to it. The vault is diversified across many strategies, so not all your eggs are in one basket. These measures significantly reduce the overall risk compared to chasing high yields on your own. However, it’s important to understand that no system is entirely without risk. You should only invest an amount you’re comfortable with and consider your own risk tolerance. Moneda will continue to monitor the Smart Earnings Account’s performance and the underlying protocols to help keep your funds as secure as possible, but ultimately, higher yield DeFi products do carry higher risk than a savings account.

Some actions in Moneda have a small fee, and it's always shown before you confirm:

Moneda covers the network fees (also called gas) for your transactions, so you don't pay them when you send money to contacts or external wallets, move money into or out of Earnings, or add a Recovery Contact. The confirmation screen shows the network fee crossed out and 0 as the amount you pay.

No, Moneda does not have hidden fees. Any fee that applies is shown before you confirm.

The fastest way is in the app: go to Help Centre > Talk to Support. Our assistant can look at your account and answer most questions right away. If it can't solve your issue, it passes the conversation to our support team, and you'll get a reply in the same chat. You can find earlier chats under Past conversations.

We're always looking for ways to improve, and your feedback means a lot to us. Have a suggestion, a feature idea, or something you'd love to see in the app? Is there something you don't like? Let us know.

You can check our open positions in our website https://moneda.com/careers. If you’re passionate about fintech, innovations, start-up environments, or much more, we’d love to hear from you. Send us your CV and a brief introduction at careers@moneda.com, and we’ll reach out when an opportunity arises. Let’s connect! 🚀

The daily portfolio briefing is a short, personalized morning summary of your investments. It covers news on the holdings you actually own (summarized across verified sources), notable price moves, recent and upcoming earnings, and your overall portfolio value, profit/loss, and drift.

Yes. You can set alerts for:

You can view our Terms of Service in our website: https://moneda.com/terms

You can view our Privacy Policy on our website: https://moneda.com/privacy

Moneda is incorporated in Berlin, Germany. As a German company, we are subject to German and European law, including data protection law (GDPR). Moneda itself is not a regulated financial institution. Regulated services, such as virtual accounts and identity verification, are provided by licensed partners. Our incorporation in Germany reflects our commitment to operating with integrity and transparency.

You can use Moneda if you are at least 18 years old and have your permanent residence in a country where we offer our services. Moneda is not available to residents or nationals of sanctioned countries and regions, or to anyone barred from using it under applicable laws. Some features, such as certain shares or funds, can differ by country. You are responsible for making sure your use of Moneda complies with the laws that apply to you, so check the financial and blockchain rules in your own country before using Moneda.

The stablecoins are; Moneda is not. Moneda itself is not regulated and does not issue stablecoins. Your EUR and USD balances are held as stablecoins (EURC and USDC) in your own self-custodial account. These are electronic money tokens issued by their issuers under the EU Markets in Crypto-Assets Regulation (MiCA). They are denominated in euros or dollars and must be backed by reserves, but they are not fiat money and are not covered by a deposit guarantee scheme.

Yes. Moneda processes your personal data in compliance with the General Data Protection Regulation (GDPR). This means:

You are responsible for reporting any earnings or gains from your Moneda account in accordance with the tax laws of your country. Earnings on your balance and gains from stablecoins, shares, funds or other digital assets may be taxable. Moneda does not provide tax advice and recommends consulting a tax professional to understand your obligations. You can also use your Moneda account address to look up and export your transaction history to help with tax reporting.

KYC (Know Your Customer) is the process of verifying your identity before you can access Moneda’s financial services, such as opening a virtual account, topping up, or withdrawing funds. It involves confirming your identity using a government-issued ID (like a passport, national ID card, or driver’s licence), completing a short liveness or selfie check to prove it’s really you, and providing proof of address, such as a utility bill or bank statement issued within the last three months. KYC is a legal requirement for the regulated partners that provide these services, and it helps prevent fraud, money laundering, and sanctions evasion. It also protects your account from unauthorised access and ensures we can apply the right limits and permissions to your account once verified. Completing KYC early unlocks access to virtual accounts, higher limits, and faster transfers.

You’ll complete KYC once in the Moneda app through our verification partner, Sumsub. This quick verification unlocks essential features like virtual accounts, deposits, and withdrawals. To verify your identity, you’ll need to provide the following: • A government-issued photo ID, such as a passport, national ID card, driver’s license, or residence permit. • A short selfie or liveness check to confirm the document belongs to you. • A recent proof of address, such as a utility bill or bank statement issued within the last three months. You’ll also be asked to complete a short questionnaire covering: • Your employment or source of income. • Your expected transaction volumes and use of the account. Depending on your verification tier or transaction size, we may later request additional documentation showing the source of your funds. This ensures compliance with financial regulations and keeps your account secure.

To verify the source of your funds, you’ll need to provide documentation that clearly shows where your money comes from. This is a standard compliance requirement designed to prevent financial crime and ensure regulatory transparency. Acceptable documents include: • Bank statements showing the origin of your funds and a steady pattern of income. • Employment or income records, such as recent payslips, employment contracts, or proof of regular salary payments. • Tax returns or official tax declarations confirming your reported income. • Sale agreements or proof of asset sales, for example, documentation showing proceeds from the sale of property or investments. • Loan agreements or statements from licensed financial institutions. • Dividend declarations or shareholder records showing company distributions. • Other credible financial documents issued by recognised authorities or licensed institutions that demonstrate a legitimate source of income.

You’ll be asked to complete the KYC process before you’re able to request a virtual account on Moneda. For USD and EUR transfers, KYC may also be required when you add a new bank account (either your own or a contact’s) if you haven’t already completed verification before. Completing KYC early ensures there are no interruptions when you start moving funds. Once you’re verified, your virtual account details will appear automatically, and you’ll have access to higher limits and a smoother transfer experience.

Identity verification can fail when we can't confirm your details. Common reasons are:

You may be able to resubmit the documents if the documents you added were not clear or incomplete. You can do so by going to Settings > Identity Verification to resend the required information for your KYC. Please keep in mind the following: • Re-submit clear, full-colour images of your documents, showing all corners. • Ensure your details you input to Moneda exactly match your ID and proof of address. • Use a recent proof of address document (issued within the last 3 months). • If available, use a passport, as it’s the most reliable form of ID across jurisdictions. • If you believe the rejection was an error, contact us via our support channels so we can review and guide you through what’s missing.

A rejected application means we could not verify your identity to the standard required by us or our partners. As a result, you won’t be able to access the features on Moneda that require identity verification, such as virtual accounts and bank transfers. If you have any questions or believe this is an error, go to Help Centre > Talk to Support so we can review your case.

You cannot delete your account in order to restart or bypass the identity verification process. Identity checks are conducted in accordance with applicable financial regulations and are linked to your identity, not just your account. If your verification was unsuccessful or you believe there was an error, please contact support so we can review your case or guide you through the appropriate next steps. Deleting your account will not reset the KYC process, and certain information must be retained for legal and regulatory reasons.

When you delete your account, we delete or anonymise your personal data within 30 days, unless the law requires us to keep it longer or we need it to resolve disputes or enforce our agreements. This means some data is kept after deletion:

Moneda collects personal data for several purposes:

Yes. Moneda uses artificial intelligence for in-app chat support, Moneda AI (our assistant, which answers questions about your account and researches markets), and extracting data from receipts you upload. To provide these features, your messages, uploaded files, and relevant account information (such as your balances, recent transactions, and verification status) may be processed by our AI infrastructure providers, including OpenRouter and Modal Labs. They process your data only to generate the requested response or extraction.

If you access features involving fiat currency or other regulated financial services (for example, linking a bank account, topping up in EUR or USD, withdrawing to a bank, or opening a virtual IBAN account), you'll be asked to complete identity verification (KYC) as required by law. This one-time process collects a government-issued photo ID, a live selfie for liveness verification, and a recent proof of address, used only to verify your identity, comply with anti-money laundering (AML) regulations, and enable the requested services.

No. Face ID or fingerprint information is used to confirm secure sign-ins and transaction approvals for your self-custodial wallet. This biometric data is processed locally on your device and is not stored by or accessible to Moneda.

Under the GDPR you have the right to:

Moneda processes data under four legal bases: performance of a contract (delivering the services you've requested, e.g. account setup); legitimate interests (operating and improving our services, security, and support, balanced against your privacy rights); legal obligations (e.g. AML identity verification, tax laws); and consent for specific cases like optional newsletters or certain analytics cookies, where required by law. You can withdraw consent at any time.

Moneda does not sell your personal data. We share certain data with trusted third-party service providers to operate the service and comply with legal requirements: cloud hosting, authentication services, push notification and email services, other IT infrastructure, and payment processing. These providers only process your data under our instructions and for the purposes we specify. All third-party partners are bound by strict data protection obligations, must handle your data securely and only for defined purposes, and are not allowed to use your data for their own purposes. Moneda remains responsible for protecting your data throughout these engagements.

Virtual EUR/USD accounts and conversions between bank money and your Moneda balance are provided by our regulated financial partner, MoonPay Enterprise (formerly Iron), not by Moneda. If you choose to use these features, we securely share the personal data needed to open and operate your account with MoonPay Enterprise, for example your name, contact details, and confirmation that you have passed identity verification. Where the partner needs your identity information to open your account, that is shared too. Your data is shared only if you choose to use these features, not before.

Yes. Moneda screens incoming blockchain transactions against sanctions and watchlists using Chainalysis, which processes the relevant wallet addresses and transaction details. This screening is automated. Where you use regulated financial services that require identity verification, a match may lead to those services being suspended while a member of our compliance team reviews the case. You can ask for that review and give your view by contacting us.

If you purchase a subscription or usage credits by card, your payment is processed by Stripe. Your card details are sent directly to Stripe and never pass through Moneda's servers. We receive only a payment confirmation and reference token.

Yes, in some cases. Some of our providers, including AI infrastructure and model providers, process personal data outside the EU and EEA, including in the United States. We only transfer your data outside the EU or EEA if: (a) the destination country has an EU Commission adequacy decision, (b) we've put in place appropriate safeguards such as Standard Contractual Clauses (SCCs) with the recipient, or (c) you've given explicit consent for that specific transfer.

Moneda may disclose personal data to government authorities, law enforcement, or regulators if legally required, for example to fulfill a court order or legal request, or to comply with anti-money laundering reporting obligations. We only share what is necessary and will notify you of such disclosures when permitted by law.

We retain your personal data for as long as you have an active account, or as long as necessary for the purposes in the Privacy Policy. If you delete your account (or ask us to), we delete or anonymise your data within 30 days of the request, unless a longer retention is legally required or necessary to resolve disputes or enforce agreements.

Moneda uses industry-standard security measures: encryption in transit and at rest, access controls limiting personal data to authorised personnel on a need-to-know basis, and pseudonymisation to minimise exposure of sensitive data when working with third parties.

No. When you initiate blockchain transactions through Moneda (e.g. swaps, lending, transfers), your wallet's public address and transaction details are submitted to public blockchain networks and permanently recorded there. This on-chain data may be publicly viewable by anyone and cannot be altered or erased once confirmed in a block. Moneda does not control the blockchain networks or the storage of data on them. If you interact with third-party decentralized protocols through Moneda, those protocols may have their own data practices, so review their privacy policies separately. Because this data lives on a public blockchain Moneda doesn't control, on-chain data falls outside the scope of GDPR erasure rights.

If a data breach affects personal data, Moneda follows all applicable legal requirements. Where required, we notify the competent data protection authority within 72 hours of becoming aware of the breach (Art. 33 GDPR). If the breach is likely to result in a high risk to you, we inform you without undue delay (Art. 34 GDPR), by in-app notification or email (or both). We tell you the nature of the breach, the data affected, the steps we're taking, and what you can do to protect yourself, and we provide updates once the immediate threat is contained.

No. Under Art. 37 GDPR and §38 BDSG (German Federal Data Protection Act), Moneda Digital GmbH is not legally required to appoint a Data Protection Officer, because our core activities do not consist of large-scale processing of sensitive data categories that would mandate one.

No. Moneda is a financial technology company, not a bank. The Moneda app gives you a self-custodial account for digital assets such as USD and EUR stablecoins, an AI assistant (Moneda AI) that researches markets and helps you manage your account, and access to services provided by third parties: virtual accounts and payments, trading in tokenised shares and exchange-traded funds, trading in crypto-assets, and earning on your balance through third-party DeFi protocols. Each of those services is provided by the relevant provider under its own terms. Moneda does not provide regulated financial or custodial services and does not manage, control or hold your assets. Your wallets and transactions are fully self-custodial: transactions happen directly between you and the relevant blockchain network, and Moneda cannot control, modify or reverse them. Only you hold your credentials, such as your Passkeys.

To use Moneda's services you must: be a natural person with full legal capacity, at least 18 years old; have your permanent residence in a country where the services are offered; not be barred from using the services under applicable law; agree to comply with the Terms and all relevant local/international regulations on self-custody wallets and decentralized finance; and provide any information required by Moneda or its third-party partners, including for identity verification when requested.

No. The app may show stablecoin balances in their fiat-equivalent values ('USD' or 'EUR'), but stablecoins are not fiat money. USDC and EURC are electronic money tokens (EMTs) issued and maintained by their issuers under the EU Markets in Crypto-Assets Regulation (MiCA). They are denominated in fiat currency and must be backed by reserves, but they are not covered by any deposit guarantee scheme or state guarantee under EU or national law. Other stablecoins available in the app may be issued outside the European Union and may not be EMTs under MiCA. The app tells you which applies.

No. Moneda is not a regulated entity and does not act as a bank, broker, financial institution, credit institution, electronic money institution (EMI), financial service provider or Crypto Asset Service Provider (CASP). Moneda does not issue, redeem or hold custody of any assets on your behalf. It provides non-custodial software that lets you interact with your assets in a self-custodial manner. Where the app gives you access to regulated third-party providers, such as MoonPay Enterprise (formerly Iron) for virtual accounts and bank transfers, or Dinari for tokenised shares and funds, those services are provided under the provider's own terms, which you accept separately. Moneda is not a party to that contract and is not responsible for those services.

Moneda integrates with MoonPay Enterprise (formerly Iron), a licensed financial partner that provides regulated fiat account and payment services, such as virtual IBAN accounts and automated conversion between fiat currency and digital assets. To use these features you must complete identity verification (KYC) through Sumsub and accept MoonPay Enterprise's own Terms of Service, which are presented to you separately. Once you have passed KYC and accepted those terms, MoonPay Enterprise creates the required accounts in your name and you become its direct customer for those services. Moneda is not a party to that contract and is not responsible or liable for MoonPay Enterprise's services or performance. Moneda's role is limited to providing the interface through which you use them. Disputes about those services (account errors, delayed transfers and similar) go to MoonPay Enterprise and are governed by its terms, which may specify a different governing law from Moneda's Terms.

No. All blockchain transactions are initiated directly by you and take place between your wallet and the network. Moneda does not act as a messenger or representative, and has no control over your wallets or transactions. Blockchain transactions cannot be amended, reversed or withdrawn, and Moneda cannot correct or reverse them. Moneda does not buy, sell or take custody of any assets, and does not act as counterparty, broker or custodian. Where you trade tokenised shares and funds in the app, the orders are executed by Dinari, not by Moneda. Any payment or transaction information shown in the app is retrieved from the relevant third-party provider or public blockchain.

You're responsible for safeguarding your credentials (your Passkeys and any private keys) and for giving accurate, up-to-date information. You must not let anyone else use your Moneda account or your credentials. The only way to share funds with another person is a joint account. Moneda employees will never ask you for your Passkeys, private keys or other credentials. Never share them or approve unknown third-party access (for example screen sharing, or installing software that claims to be an 'investment tool'). Such requests are likely fraudulent. If you receive one, notify Moneda immediately. Because blockchain transactions are irreversible, giving a third party access to your account or wallets can mean losing your assets for good, and Moneda is not liable for such losses unless the access was directly caused by Moneda's own breach of its obligations.

No. Moneda does not record, hold or manage your Passkeys, private keys or other wallet credentials, and cannot access your assets or recover lost wallets or funds. 'Self Custodial Recovery' is the recovery setup you choose yourself in the app, for example a backup Passkey, a recovery email or Recovery Contacts (people you nominate, which can include yourself). It is controlled by your own account on the blockchain, and Moneda has no influence over it once you have set it up. Moneda does not act as a recoverer, does not offer recovery services and is not responsible for notifying you about a recovery process. If you lose your credentials and have no working recovery option in place, you will likely lose access to your wallets and the assets in them, which is effectively the same as losing the assets. Set up recovery before you need it.

Certain features subject to anti-money laundering (AML) and related regulations require identity verification (KYC) before they're unlocked, for example converting between fiat and digital assets (on/off-ramp) or obtaining a virtual account. KYC is completed through our third-party provider, Sumsub, and requires accurate personal information and documentation (government ID, proof of address, selfie). If you fail to complete KYC, or verification isn't successful to the required standard, you won't get access to those regulated features. Providing false, misleading, or incomplete information during KYC violates the Terms and may result in suspension or termination of your account. Moneda can also restrict or terminate access if verification isn't completed satisfactorily, if fraud or illegal conduct is suspected, or to comply with legal obligations.

You may not use Moneda's services if you: use or intend to use funds from illegal activity (money laundering, fraud, terrorism financing); attempt to evade KYC/AML or other regulatory requirements; try to interfere with or gain unauthorized access to the service or other users' accounts; attempt to reverse-engineer Moneda's software; are a resident, national, or agent of a Restricted Territory (Cuba, Iran, North Korea, Syria, Belarus, Russia, and certain Ukrainian regions, or any other embargoed jurisdiction); appear on an EU/UK/US/UN sanctions list or intend to transact with a sanctioned person; exploit vulnerabilities in connected third-party apps; spam or send fraudulent advertising; interfere with the service's availability (viruses, flooding, spamming); perform address poisoning; engage in wash trading or manipulative trading; fabricate transactions; or conduct scams such as phishing, impersonation, rug pulls, or Sybil attacks. Moneda can immediately terminate an account or refuse access if it determines, at its sole discretion, that any of these occurred.

No. Moneda does not provide financial, investment, tax or legal advice, and does not manage your assets. Moneda AI provides information, research and illustrative portfolios based on market data, public filings and what you tell it. It is an automated system and can be wrong, incomplete or out of date. What it produces is not a personal recommendation and does not take account of your full financial situation, so check anything that matters before you act on it. Every decision to buy, sell, hold or transfer is yours, and nothing is executed unless you approve it. Where Moneda AI discusses a service that Moneda earns fees from, it says so. Articles, tutorials and news on the website and in the app are general information only. Consult a qualified professional about your own situation.

Moneda may charge fees for certain features, and any fee is shown in the app before you use the feature. Third-party services you reach through Moneda may charge their own fees, and Moneda may charge a 'Service Fee' for providing access to them, either directly to you or included in the third party's fee. Blockchain transactions may also carry network fees deducted directly by the network, and they are final once confirmed. Payments you make to Moneda for a paid plan or AI credits follow the cancellation and refund rules in the Terms. If Moneda increases the price of your plan, you are told at least 30 days in advance and the new price applies from your next renewal after that, so you can cancel first. A new price for AI credits or a new Service Fee applies only to purchases and transactions you make after the change, and is always shown before you confirm.

No. Any interaction with third-party decentralized apps (dApps) is at your own risk and responsibility. Moneda is not responsible or liable for the actions or inactions of dApps or third-party providers, or for losses from security vulnerabilities, hacks, or other incidents affecting them. Some third-party services may collect or process your personal data, handled under that provider's own privacy policy, not Moneda's. You're solely responsible for assessing the security and reliability of any third-party service or app you choose to interact with through Moneda.

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.

You can terminate at any time by ceasing use of the services and, if applicable, withdrawing your assets and contacting support to deactivate your account. Moneda can terminate for convenience with reasonable notice (at least 30 days for paid features, when feasible), or suspend or terminate immediately without notice for cause, for example if you violated the Terms or engaged in prohibited or illegal activity, provided false KYC information, no longer comply with applicable law (such as becoming a resident of a Restricted Territory or appearing on a sanctions list), or a regulatory authority or a third-party partner such as MoonPay Enterprise (formerly Iron) requires it.

If you use Moneda as a consumer, Moneda is liable without limitation for damages from injury to life, body or health caused by an intentional or negligent breach of duty, for other damages caused by an intentional or grossly negligent breach or by fraudulent concealment, under the German Product Liability Act and other mandatory statutory liability, and to the extent Moneda has given a guarantee. For slightly negligent breaches of essential contractual obligations, Moneda is liable only for typical, foreseeable damage. Liability is otherwise excluded.

Moneda tells you about a change to the Terms in the app or by email at least 30 days before it takes effect, and shows you what is changing. Changes that only add features, correct errors, or are required by law or by a regulator take effect on the date you are told. Any other change takes effect only if you agree to it in the app. This includes changes that add payment obligations or otherwise have negative legal or commercial consequences for you, which need your explicit consent. If you do not consent, Moneda may stop providing all or part of the services to you or end the contract, provided you were told about that consequence together with the proposed change. Price changes follow their own rules: you get at least 30 days' notice of a plan price increase.

If your identity verification isn't approved yet, you can change it yourself in Settings > Account > Country of residence.

EU tax rules (the DAC8 directive) require the regulated partner that processes your bank transfers to collect a tax identification number (TIN) from every customer who lives in the EU, together with the country that issued it. This applies to everyone, whatever your balance or how often you use Moneda.

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:

Moneda Points are non-monetary points you earn through engagement and activities within Moneda, such as referring friends. They are not currency, electronic money, or a cryptocurrency. They are off-chain, non-tokenised balances maintained within your Moneda account.

No. Moneda Points are not currency, electronic money, or a cryptocurrency. They are off-chain, non-tokenised balances maintained within Moneda.

Today, points come from referrals, and both sides earn.

Share your referral code with friends. You can find it and share it from the Invite Friends screen in the app.

You can invite as many friends as you like, but the two rewards are capped differently.

You can redeem points for AI credits, which pay for your use of Moneda's AI features.

No. Points you have earned do not expire, and they stay in your balance until you redeem them. If that ever changes, we will tell you in advance.

Your points balance is shown on the home screen of the Moneda app. Swipe left on the coin graphic to switch to the Points view, where you can also see your full activity history: what you earned, when, and what you have redeemed.

Yes. Your Moneda balances live on Base, but you can send funds out to a wallet on another network, and Moneda routes the payment for you.

Yes. Scheduled transfers send a payment automatically, either once on a future date or on a repeating schedule such as every week or month. You choose the recipient, amount, currency, and timing, and Moneda sends it for you. You can view, pause, edit, or cancel a scheduled transfer at any time, and you'll get a notification around each one. As with any transfer, the money leaves your own self-custodial wallet.

You can send money a few ways. To pay another Moneda user, find them by username or pick them from your contacts, enter an amount, and confirm with your transaction passkey. To send to an outside wallet, add the wallet address or choose a saved one and send it the same way. To pay out to a bank account, use a bank transfer from your virtual account (see Virtual Accounts). You choose the currency, and the amount leaves your own self-custodial wallet only once you approve it.

Contacts save the people and accounts you pay so you don't re-enter their details every time. You can add another Moneda user by their username, an external wallet by its address, or a bank account by its details. Once saved, a contact appears when you send money so you can pick them in a tap, and you can edit or remove one whenever you like. Payment contacts are separate from Recovery Contacts, which are only used to recover your account.

Yes. You can convert your balance between the currencies Moneda supports, such as US Dollars, Euros, Swiss Francs, and Canadian Dollars. Pick the currency you have and the one you want, and Moneda shows the amount you'll receive before you confirm. A foreign-exchange fee applies and is reflected in the rate you see; the exact fee depends on your plan. The converted balance stays in your own self-custodial wallet.

Yes. You can upload a bill or invoice and Moneda reads its details, like the amount, due date, and who it's from. Your bills sit in one place so you can see what's due, then pay one straight from your balance when you're ready. Paying still needs your approval with your transaction passkey.

Scheduled payments let Moneda send a payment for you on a repeating schedule, so you do not have to do it manually each time.

The payment is skipped that day, and your account never goes into a negative balance. Moneda then tries again, and the app shows the date of the next attempt. If you top up before then, the payment goes through.

Yes. Open Scheduled payments and select the one you want to change.

Yes. Moneda supports QR payments in both directions.

Moneda offers a free plan plus one or more premium subscription tiers. Premium plans unlock benefits such as lower foreign-exchange fees, covered network fees on transfers, and higher usage allowances. The exact tiers, prices and what each includes are always shown in the app before you subscribe, so you can compare them and pick what fits you.

Your subscription is billed each period from your Moneda balance, and you'll see the charge in the app. You can cancel or change your plan at any time. If you switch plans mid-period, the difference is prorated, so you only pay for what you use. Cancelling stops future charges, and you keep premium benefits until the end of the period you've already paid for.

Yes, Moneda is designed with security as our top priority. We employ industry-leading practices and technologies to ensure your assets and personal data are protected at all times. Here’s how Moneda keeps you safe:

Passkeys are a new secure and phishing-resistant authentication method that replace traditional passwords. They are cryptographic keys stored on your device or password manager, enabling seamless and secure logins without the need to remember complex passwords. Passkeys work with biometric authentication (like Face ID or fingerprint scanning) or a device PIN to verify your identity.

We recommend using iCloud Keychain on Apple devices or Google Password Manager on Android and Chrome for the best cross-device compatibility. We also recommend using a general password manager like 1Password to store the passkeys. These services ensure that your passkeys are encrypted and synchronized across your trusted devices, making authentication easy and secure.

Here are some general recommendations for managing your Moneda passkey:

Yes, if you utilize a password manager such as iCloud Keychain, Google Password Manager or 1Password, you can use the same passkey on any device that also has access to your iCloud, Google or 1Password accounts. Certain passkey providers, such as Chrome Profile are device specific and will not work across platforms.

If your passkeys sync through a password manager such as iCloud Keychain, Google Password Manager, or 1Password, sign in on another device where they are synced and carry on as usual.

On iOS

Passkeys don’t require traditional two-factor authentication (2FA) because they inherently provide strong security guarantees. They use cryptographic authentication that binds your credentials only to your device and require biometric verification or a PIN. Since passkeys cannot be phished or stolen remotely, they eliminate many of the vulnerabilities associated with passwords and traditional 2FA methods.

Moneda is a fully self-custodial platform, meaning Moneda does not hold, manage, or maintain your funds in any way. Here’s how it works and why this approach is unique and beneficial for you:

Yes, it's possible. Two risks matter most:

While Morpho and YO introduce safeguards for the Earnings and Smart Earnings accounts on Moneda, potential risks include:

Not like a bank account. Deposit insurance only covers bank deposits, and Moneda isn't a bank. Your money is protected in other ways.

Moneda prioritises user privacy by implementing security measures that protect your personal information. While blockchain transactions are publicly recorded, Moneda does not store personally identifiable information on the blockchain. Any data stored by Moneda, such as email addresses or device information, is fully encrypted in our database and protected using industry-standards and best security practices.

Moneda operates on blockchain technology, which means that transactions and balances are recorded on a public ledger. While your personal identity is not directly linked to your account, your account address allows anyone to view your balance and transaction history. This concept, known as pseudo-anonymity, means that while identities are not explicitly revealed, data analysis techniques or service providers can sometimes be used to link transactions to individuals based on spending patterns, interactions with previously known addresses, or external data sources.

For paying merchants, yes: Moneda supports WalletConnect Pay for in-person payments by QR code, approved by you in the app.

Since Moneda is a self-custody interface, your funds would remain secure and accessible in the event our company shuts down.

Moneda is a fully self-custodial wallet. This means you are the only person who controls your passkey and wallet credentials. Moneda does not store your private keys or passkeys and cannot restore them for you. To reduce the risk of losing access, there are three things you can set up beforehand. You can use any of them, and it is safest to use more than one:

Social recovery is implemented using a Safe recovery module and works fully onchain. If you lose access to your device or passkey, you initiate a recovery request inside the app and generate a new passkey. Your authorised Recovery Contact must approve the request by signing an onchain transaction. A safety delay (default: 24 hours) applies before finalisation. During this time, you can cancel the process if it was initiated maliciously. After the delay, your new passkey becomes the owner of your account.

Go to Settings > Security > Recovery Contacts. Search for a user by username or name and send an invite. After they accept, you must confirm the setup by signing with your passkey. Only after this confirmation does the contact become an authorised Recovery Contact.

Go to Settings > Security > Recovery Contacts and select "Remove myself as Recovery Contact." Once removed, you will no longer be able to initiate recovery for that user.

You should only accept recovery invitations from people you personally know and trust. If you do not recognise the person, decline the invitation.

If you added a backup passkey, you don't need a recovery: approve payments with the backup instead. To recover with a Recovery Contact, log in using Google, Apple, or email. Navigate to Settings > Security > Recovery Contacts and select "Request Recovery." You will generate a new passkey. Your Recovery Contact must approve the request. After the safety delay period, access will be restored. If you set up a recovery email, you can restore access with it instead: go to Settings > Security > Recovery email and select "Begin recovery."

Recovery Contacts are one of three ways to keep access. Check whether you have either of the other two:

Recovery emails let you get back into your account if you lose your passkey, using an email address you control. When you set one up, Moneda links a recovery method to that email, so later you can prove the account is yours and restore access. Your money never leaves your own self-custodial wallet in the process. Recovery restores your ability to sign; it doesn't move or hold your funds. You can use recovery emails on their own or alongside Recovery Contacts (social recovery). Add or change your recovery email anytime in the app's security settings.

You log in to Moneda with a passkey instead of a password. A passkey lives on your device or in your synced keychain, and you unlock it with your face, fingerprint, or device PIN, so there's nothing to type and nothing to remember. Since it isn't a shared secret that leaves your device, a passkey can't be phished or leaked the way a password can. If your passkey syncs through your Apple, Google, or password-manager account, you can log in on your other devices too. If you lose the device that holds it, having recovery emails or Recovery Contacts set up beforehand lets you get back in. Note that this login passkey is separate from your transaction passkey, which approves payments and other on-chain actions.

It depends on how you sign in. If you use Google or Apple, just sign in again with that account on your new device; there's nothing separate to recover. If you use an email passkey and you've lost it, say you got a new phone or cleared your keychain, you can restore login access through the email address on your account. Moneda sends a one-time code to that email; you enter it to prove the address is yours, then create a fresh login passkey on your current device and sign in with it from then on. Keep in mind this is separate from recovering your wallet. Logging back in gets you into the app, while recovery emails and Recovery Contacts restore your ability to sign transactions and move your funds. If you've also lost access to your account email, use those wallet-recovery methods instead.

Moneda uses two passkeys, and they do different jobs. Your login passkey gets you into your account: it's what opens the app on a device, like a password but safer. Your transaction passkey approves anything that moves money or changes your security, such as sending a payment, withdrawing to a bank, or adding a Recovery Contact. It's the self-custodial key that keeps your funds under your control, and nothing leaves your wallet without it. Keeping them separate means getting back into the app and authorizing money movement are protected independently, and each one has its own way to recover. We use "log in" for the first and "transaction" for the second precisely so the two don't get mixed up.

A backup passkey is a second passkey that can approve payments on your account. Go to Settings > Security > Passkeys, then tap "Add backup passkey".

Yes, for a backup passkey. Go to Settings > Security > Passkeys and tap Pause on it. While it is paused, Moneda refuses any payment signed with that key, on every device, and the key stays on your account. It is the right choice if you are unsure about a key and want to stop it quickly.

Go to Settings > Security > Active Sessions. You will see every device and client currently signed in, including the Moneda app, web browsers, the Moneda CLI, API keys, and agent connections, along with when each was last active. AI assistants are listed separately under Connected agents, with a Disconnect button.

Moneda uses two passkeys, and they are recovered differently.

Use an address you control and can send email from, not just receive. Recovery works by you sending us a pre-formatted email, so it has to come from that exact address.

Recovering the passkey that approves payments starts a safety delay of about 24 hours before the new passkey can move funds.

Your Moneda account is identified by an email address, and your passkey is registered against it. That pairing is what lets you sign in without a password: you pick the email, and your device proves it holds the matching passkey.

You control how other people can find you. Go to Settings > Privacy > Search Privacy, and turn each option on or off:

Go to Settings > Account and request a download of your account information. Moneda prepares an export of your personal data in the background and sends a secure download link to your email address, so you do not have to wait on the screen.

Not at the moment. Your Moneda account is linked to the Apple or Google account you signed up with, not to the email address behind it, so signing in with the other provider does not open the same account. If you try the other provider with the same email, the app asks you to continue with your original one. If you try it with a different email, a new, empty account is created and your existing account stays exactly as it was. To reach your existing account, sign in with the provider you used when you signed up. You can change the email on your account in Settings > Account, but that does not move your sign-in from Apple to Google or the other way round. If you no longer have access to the Apple or Google account you signed up with, reach us through Help Centre > Talk to Support.

No. Your account is self-custodial, which means only you can move your money, and Moneda can't move it for you. You don't have to handle any keys yourself. There's no recovery phrase to write down. You sign in and approve everything with a Passkey, using Face ID or your fingerprint.

Each kind of asset is protected differently:

Yes. Moneda breaks your spending down by category, merchant, contact, and transaction type, so you can see where your money goes. Look at a period at a glance, compare one period against another to spot trends, or open the individual transactions behind any total. You can also just ask the AI assistant something like "how much did I spend on groceries last month?" and get the answer directly.

Yes. You can give a transaction a category and add your own note, so your history stays organized and your spending breakdowns stay accurate. Recategorize whenever you like, and update several at once if you're tidying up. Since categories feed the spending insights, a quick cleanup makes those totals more useful.

You don’t need any prior web3 or crypto experience to use Moneda. We designed Moneda to be a seamless experience for every user with a smartphone. Our intuitive app guides you through every step of the process, making it easy for anyone to start investing.

Moneda operates on the Base Network, a Layer 2 (L2) blockchain developed by Coinbase. This network enhances transaction speed and reduces costs, offering a more efficient experience compared to traditional Layer 1 blockchains. By leveraging the Base Network, Moneda ensures secure, scalable, and eco-friendly transactions for its users.

We chose Base because it is a trusted network, backed by Coinbase’s reputation for reliability and innovative blockchain solutions. Additionally, it’s an Ethereum-compatible blockchain, meaning that Moneda can leverage the best tooling for our blockchain and wallet infrastructure.

Layer 2 refers to solutions built on top of an existing blockchain (like Ethereum) to enhance scalability and performance. L2s allow for faster transactions and lower fees while still benefiting from the security and reliability of the underlying blockchain.

No. Like all blockchain-based systems, transactions on Moneda are irreversible once confirmed. Always double-check the recipient address and amount before sending.

Stablecoins are digital assets (cryptocurrencies) whose value is pegged, or tied, to that of another currency, commodity, or financial instrument. Stablecoins are typically pegged to a fiat currency like the US dollar or euro and are designed to minimize price volatility, making them ideal for everyday payments and transfers.

Moneda supports one regulated stablecoin per currency, all on the Base network:

EURC and USDC are both fiat-collateralized stablecoins, by which the issuer (Circle) maintains a reserve to back the number of issued stablecoins. This reserve typically consists of: • Fiat currencies: EUR and USD, respectively • Very low-risk and highly liquid bonds (eg. government bonds)

USDC is a fully reserved dollar stablecoin, or digital dollar, backed 100% by highly liquid cash and cash-equivalent assets and is redeemable 1:1 for US dollars.

EURC is a digital euro issued by Circle, also known as a stablecoin, and operates on several leading public blockchains. Designed to represent euros on the internet, EURC is backed 100% by euro-denominated reserves so that it's always redeemable 1:1 for EUR. EURC is one of the first fully compliant stablecoins under the EU's Markets in Crypto-Assets (MiCA) regulation. For more info, visit https://circle.com/eurc

Your APY comes from lending, not from Moneda setting a rate. When you deposit, your balance is converted into a stablecoin and supplied to Morpho, a decentralised lending protocol on Base. Borrowers there pay interest on their loans, and that interest is what you earn.

Partly. Moneda supports WalletConnect Pay, which lets you pay merchants in person by scanning their QR code, using your Moneda balance. You approve every payment in the app before anything is sent.

No. Moneda only supports the stablecoins behind its currency balances: USDC (US Dollar), EURC (Euro), CHFAU (Swiss Franc), CADD (Canadian Dollar), and MXNB (Mexican Peso). Any other cryptocurrency sent to your account will not be accessible to you.

Moneda supports a specific set of stablecoins on the Base network: USDC, EURC, CHFAU, CADD, and MXNB. If you sent anything else, or sent one of these on a different network, you will not be able to see or interact with it in your account.

Yes. Alongside US Dollar and Euro balances, Moneda supports Swiss Franc (CHF) and Canadian Dollar (CAD). Each currency is held as a regulated stablecoin on Base (USDC for USD, EURC for EUR, CHFAU for CHF, CADD for CAD), but in the app you just see and hold CHF and CAD balances. Each currency can roll out gradually and may depend on your region, so if you don't see CHF or CAD yet, it may not be enabled for your account or country. Fiat deposit and withdrawal rails also vary by currency.

Yes. Moneda supports Mexican Peso (MXN) balances alongside US Dollar, Euro, Swiss Franc, and Canadian Dollar. Your MXN balance is held as a Mexican peso stablecoin on Base, and in the app you simply see a MXN balance.

CHFAU is the stablecoin behind your Swiss Franc balance on Moneda. In the app you simply see and hold a CHF balance. The stablecoin is the mechanism underneath, the same way EUR balances are held as EURC.

CADD is the stablecoin behind your Canadian Dollar balance on Moneda. In the app you simply see and hold a CAD balance. The stablecoin is the mechanism underneath, the same way EUR balances are held as EURC.

MXNB is the stablecoin behind your Mexican Peso balance on Moneda. In the app you simply see and hold a MXN balance. The stablecoin is the mechanism underneath, the same way EUR balances are held as EURC.

Very little. You need a smartphone and an email address, and you can sign up with Apple, Google, or email.

You can download Moneda on Google Play (Android) or the Apple App Store (iOS) using the following links: • Android: https://play.google.com/store/apps/details?id=com.moneda.io • Apple: https://apps.apple.com/app/moneda/id6741869236

Download the app and sign up with Apple, Google, or your email. You'll then create a passkey, which you use to sign in and to approve transactions in Moneda.

On the Moneda app, go to the currency you want to add and click the “Top up” button, after which you can select the method you want to top up your account. Alternatively, you can share your account wallet address to receive EURC or USDC on the Base network or top up via other networks using our dedicated onboarding app on desktop and mobile.

You can top up your account on Moneda via:

You can receive stablecoins on your Moneda account by sharing your account address, found in your account details (Home > Details > Crypto Wallet Details).

The username is the unique identifier that others can use to find and transfer funds to you on Moneda. The display name is the nickname that you define and that other users see when transferring you. The display name can be changed at any time.

Yes. In the app, go to Settings > Account > Download account information and tap Request download. We prepare an export of your personal data and email a secure download link to the address on your account. You can request a download once every 24 hours.

We'd be sorry to see you go. If you're sure Moneda isn't for you, go to Settings > Account > Delete account. You'll answer a short questionnaire before your account is deleted.

Moneda can notify you about things like incoming and outgoing payments, earnings, and account or security activity. You control these in the app's notification settings, where you choose what you're notified about and turn off anything you don't want. You can also set them per channel, such as push and email.

You can create a Moneda account in three ways:

Go to Settings > Account, and choose to change your email. Enter the new address and confirm the code Moneda sends to it.

Verifying your phone number does two things: it lets friends find you on Moneda by phone, and it is required to open a virtual banking account.

Settings > App settings lets you adjust how Moneda looks and behaves:

There are two different names on your Moneda account, and they change in different ways.

A couple of minutes. You only need a phone and an email address.

Moneda AI answers your questions 24/7 and sorts out most problems on the spot, from how a feature works to why a payment hasn't arrived yet. It checks your actual account, so you get an answer about your situation, not a generic one.

A named virtual account is a set of bank details (for example an IBAN for EUR deposits, or a US bank account number + routing number for USD deposits) that is issued in your name (or your user’s name / identity) and which acts like a “payment address” rather than a typical bank account holding funds.

Moneda offers two virtual accounts: a EUR account with an IBAN, for SEPA transfers, and a USD account with a US account number, for ACH transfers.

When someone sends a bank transfer to your virtual account, our partner MoonPay receives it over the bank payment rails (for example SEPA or ACH), converts it, and settles it into your own Moneda wallet as your EUR or USD balance.

To request opening a virtual account on Moneda, navigate in the app to Home > Top Up > Bank Transfer. You will need to then complete an identity verification, accept MoonPay's Terms of Service, verify your phone number, and complete an AML questionnaire. Keep in mind that the processes for identity verification (KYC) and opening a virtual account with MoonPay are independent from one another and therefor can be approved or rejected independently.

Yes, the virtual account details you receive are issued under your name. This means you can receive payments from your bank, your employer or third-parties into that dedicated account. Behind the scenes, the funds will be routed into your Moneda account in the form of stablecoins.

Yes, as long as your country isn't sanctioned and you complete both identity verification (KYC) and the anti-money-laundering (AML) questionnaire.

The KYC application being successfully approved is a prerequisite to request access to regulated financial services in Moneda. These financial services are offered by third-party providers that have their own compliance processes. Sometimes said providers might reject the virtual account application to users on Moneda despite the KYC process being successfully approved. We don’t have context as to why the account is rejected. If this is your case we recommend contacting directly with MoonPay via email: support@iron.xyz.

To open a virtual account, you need to:

Your account details are in Home > More > Virtual account details: the IBAN for your EUR account, and the account and routing numbers for your USD account.

The third-party virtual accounts are unfortunately not available in some countries. Moneda has no influence in this decision as it is due to the bank’s compliance process. We’re actively working with our virtual account provider, MoonPay, to enable support for more countries over time.

At the moment transfers via SWIFT are not currently supported by the virtual accounts on Moneda.

To add money from your bank into Moneda, you need to send a normal transfer using the account details we provide in the app. Note that you will need to complete your identity verification and AML questionnaire first. Steps:

To move money out of Moneda and back into your bank account, you just need to make a withdrawal in the app. Make sure you’ve already registered your bank account in Transfer > My accounts section. Steps:

You can add a payout bank account in the app and then withdraw to it any time. Steps:

Settlement times may not be instant. This is due to the applicable jurisdiction, payment rail used, cross-border nature of a transaction, settlement protocols, processing windows, and banking infrastructure involved, and may take up to seven days. You can review the settlement times for the different payment rails available: • SEPA & SEPA Instant (EUR): usually instant, up to 3 business days. • ACH (USD): a few hours up to 4–5 business days.

Minimums are simple: €1 for EUR transfers over SEPA, and $1 for USD transfers over ACH.

If your account supports third-party payments, you can send funds to someone else’s bank account directly from Moneda.

1. In the Moneda app, tap Transfer in the bottom navigation bar.
2. Go to the Transfer tab.
3. Tap Add contact and enter their details: full name, country of residence, and bank account information (IBAN/account number, plus SWIFT or routing code if required).
4. Once saved, select that contact to send funds to their linked bank account.

It depends on your account. Some accounts accept transfers from anyone, and others only accept transfers from bank accounts in your own name.

No. Once a bank transfer has been sent, it can’t be changed, cancelled or reversed by Moneda. Transfers are processed directly by your bank or our partner. Pay-Ins • If you’ve already confirmed the payment in your banking app, only your bank may be able to recall or cancel it (depending on their policy and timing). Moneda cannot reverse inbound transfers that have already been processed. • If you’ve entered the wrong amount or recipient, contact your bank immediately. Pay-Outs • Once a withdrawal or transfer to a third-party is confirmed in the Moneda app, it’s automatically sent for processing. Moneda cannot modify or stop a withdrawal once it’s been submitted. • In case you made a mistake, reach out to the beneficiary so that they can transfer your funds back.

Our banking partner closed USD accounts for people who live in the EEA or the UK on 26 August 2026. If that's you, your USD account can't be kept, and USD transfers sent to it after that date won't arrive. Your EUR account isn't affected and keeps working as usual.

A few things can delay or stop a bank transfer to your account:

Your position is backed 1:1 by Bitcoin, but what you hold on Base is a token called cbBTC, issued by Coinbase. Coinbase holds the actual BTC in custody and issues cbBTC against it, which is what lets Bitcoin settle on Base in seconds for cents. Moneda shows it as "BTC" by default because that is the exposure you have. If you would rather see the exact on-chain token, turn on "Wrapped token tickers" in Settings > App settings and it will read cbBTC everywhere. The practical difference: alongside Bitcoin's price risk, you are also trusting Coinbase to keep honouring redemption.

WETH is ether in ERC-20 form. Ether is the native currency of its network and does not follow the token standard that exchanges and apps expect, so it is "wrapped" into WETH to make it tradable. There is no company in the middle: wrapping is done by a public contract, one WETH is always one ETH, and unwrapping is open to anyone. Moneda shows it as "ETH" by default because that is what it is; turn on "Wrapped token tickers" in Settings > App settings to see WETH.

Because the wrapper is our plumbing, not your investment. Holding Bitcoin on Base requires a token that represents it, and the ticker for that token (cbBTC) says more about how it got there than about what you own. We lead with the asset, Bitcoin (BTC), and disclose the wrapper. If you want the exact on-chain instrument shown everywhere instead, turn on "Wrapped token tickers" in Settings > App settings: prices, balances, trades and history will all read cbBTC and WETH.

Trades run on decentralised exchanges on Base and settle straight from your own wallet, approved with your passkey. Moneda never takes custody of your assets.