Neo Finance

What is Neo Finance?

An AI Does the Research. You Make the Call.

Neo Finance is a way of managing and investing money in which an AI does the research, the analysis and the tracking, and you make every decision. It is built for people who invest on their own and want an analyst to ask.

Why Does the World Need Neo Finance?

Good financial judgment has always been rationed by price. Private banks and wealth managers sell it to people who already have money. Now an AI can do that research for anyone who invests.

Neo-brokers made investing cheap and simple, which was real progress. But a cheaper trade is not a better decision, and most people still choose what to buy from a headline or a chart.

Meanwhile AI has become good enough to read a filing, follow an earnings call and check a portfolio against its risks in seconds. The tools people invest with have not caught up, and that is the gap Neo Finance fills.

What Sets Neo Finance Apart:

• Research First: Answers come from filings, market data and cited sources, so you can check them.

• You Decide: The AI proposes and prepares. Nothing happens outside what you have approved.

• A Portfolio It Knows: It tracks what you hold, tells you what changed and remembers your goals.

• One Place: Research, investing, spending and earning in the same app, with the same AI across them.

• Shows Its Working: It explains its reasoning and says when the data is thin.

• Plain Language: No jargon. It explains things at your level, and you can always ask a follow-up.

How Does Neo Finance Work?

Moneda’s Neo Finance app combines:

• Moneda AI that researches stocks, ETFs, commodities and crypto

• A brokerage account for US-listed shares and ETFs, researched by Moneda AI

• Crypto trading in the same portfolio as your shares

• Spending and virtual accounts in euros and dollars, for everyday money

• An Earnings Account for cash you are not using yet

• Joint accounts and vaults to share money or set it aside

• Passkeys and approvals, so that nothing moves outside what you have approved

Where Moneda Fits

Moneda is our attempt at Neo Finance in one app: an AI that researches with you, a portfolio it keeps track of, and the accounts to act on what you decide. You stay in control of your money throughout.

The Bottom Line

Neo Finance is what we think investing looks like when everyone has an analyst.

Start with one good question.