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We’re growing fast and hiring carefully. If you’re curious, mission-driven, and ready to shape a new category in global finance, you’ll feel at home here.

What are Moneda Points?

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.

Are Moneda Points a cryptocurrency?

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

How do I earn Moneda Points?

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

When you refer someone:

50 points when they sign up with your referral code
450 points when that friend completes identity verification (KYC)

When you are the one referred:

50 points for signing up with a referral code
250 points when you complete identity verification

Most of the reward depends on your friend finishing verification, not just signing up, so it is worth pointing that out when you invite someone.

More ways to earn points are coming.

How does the referral programme work?

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

You earn 50 points as soon as a friend signs up with your code, and a further 450 points once that friend completes identity verification (KYC). Your friend earns too: 50 points for signing up with your code, and 250 points when they complete verification.

Because the larger reward is tied to verification rather than signup, a referral only pays out in full once your friend has finished KYC.

Is there a limit to how many friends I can refer?

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

The 50 points for a friend signing up with your code applies to your first 50 referrals.
The 450 points for a friend completing identity verification has no cap, so the larger reward keeps paying out however many friends you refer.

What can I do with my Moneda Points?

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

500 points converts to $1 of AI credit
The minimum redemption is 100 points
You can redeem up to $20 of AI credit per month

Redeem from the Points screen in the app. Your credit is added to your AI budget and is used before any paid allowance.

Do Moneda Points expire?

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.

Where can I see my points balance and activity?

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.

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Moneda is a financial technology company, not a bank. Virtual accounts and on/off-ramp services are provided by licensed partners. Projected returns are not guaranteed and may change over time. Past performance is not a reliable indicator of future results. Returns depend on market conditions and the performance and stability of the underlying protocols. Moneda is not covered by deposit guarantee schemes.

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