About Moneda
About Moneda help and FAQs from Moneda on your self-custody account, stablecoins, transfers, security, and AI agent.
What is Moneda?
Moneda is a co-investing app: AI does the research, and you make the call.
Ask Moneda AI about any stock, ETF, commodity or crypto asset. It analyses the filings and live prices, and every answer cites the filing or data it came from. It helps you build a portfolio, or brings in one you hold elsewhere, and keeps an eye on every position, telling you when something changes.
When you're ready, you buy stocks, ETFs and crypto in the same app you did the research in, plus gold, silver, oil and a few other commodities through ETFs.
You stay in control. Moneda AI can prepare a trade, but it comes to you as a proposal, and only you can approve it, with your Passkey.
Moneda AI runs on Numa 1, our state-of-the-art financial AI engine. Moneda is free to download.
What is the difference between a Neo Finance and a fintech app?
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.
Is Moneda a (neo)bank?
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.
The regulated services in the app come from licensed partners. Dinari provides the brokerage account for stocks and ETFs, and MoonPay provides virtual accounts and bank transfers. See "Is Moneda regulated, and who provides the regulated services?"
Who is the team behind Moneda?
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.
