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Hello, How Can We Help?

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.

Do I need prior web3 or crypto experience to use Moneda?

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.

Which blockchain network does Moneda use?

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.

Why does Moneda use Base?

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. This seamless integration with Coinbase allows Moneda to provide a fee-free USDC and EURC onramp. When you convert U.S. dollars to USD Coin (USDC) via Coinbase, there are no fees for this conversion, enabling efficient and cost-effective access to USDC within the Moneda platform.

In addition, Base’s integration with numerous decentralised applications gives users access to a rich ecosystem of financial tools, applications, and communities, making it an ideal network for Moneda's mission.

What is a Layer 2 (L2) blockchain?

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.

Are transactions reversible?

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

What are stablecoins?

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.

What stablecoins does Moneda support?

We currently support:

EURC (Euro Coin): For Moneda’s EUR Spending Account
USDC (USD Coin): For Moneda’s USD Spending Account

Both stablecoins are issued by Circle and are fully regulated under EU cryptocurrency regulations (MiCAR), ensuring transparency and security.

What type of stablecoins are USDC and EURC?

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)

You can see the transparency reports and reserve composition for USDC and EURC on Circle’s transparency website here.

What is USDC?

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. The majority of the USDC reserve is transparently invested in the Circle Reserve Fund (USDXX), an SEC-registered 2a-7 government money market fund. For more info, visit https://usdc.com

What is EURC?

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

How does Moneda generate the APY for Earnings Account?

See the Untitled FAQ for more information about earnings.

Can I use my Moneda wallet with other dApps?

Currently, Moneda is designed for spending, earning, and peer-to-peer transfers. Support for connecting to other dApps (e.g. via WalletConnect) is not currently supported but may be added in future updates.

Can I transfer any cryptocurrency to my Moneda account?

Moneda only supports EURC and USDC stablecoins on the app’s interface. Meaning that transfers of any other cryptocurrency to the account will not be accessible to the user. We do this to protect users from interacting with spam or unsolicited tokens that might compromise their funds through phishing. To prevent loss, always test a small transfer first when using a new wallet or exchange.

Before sending crypto to Moneda:

Always confirm the token (USDC or EURC) and network (Base) shown in your deposit screen.
Use only the official contracts for USDC and EURC on Base (no wrapped, bridged, or synthetic versions).
Double-check your wallet address: Moneda addresses are specific to Base and must match exactly (no extra spaces or typos).

I sent a different token to my Moneda account and I can’t see it.

At the moment, we only support USDC and EURC on the Base network. If you’ve sent anything other than USDC or EURC on Base, you will not be able to see or interact with them in your account at this time. If you sent a large amount please reach out to us via our support channels.

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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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