Moneda is the flagship app of Neo Finance, the new standard for self-custodial money. The app lets you hold, pay, and gain yield on EUR- and USD-denominated stablecoins while you keep sole control of your private keys. Built for a border-free, AI-native economy, Moneda offers instant stablecoin payments, optional on-chain yield, and an AI assistant.

What is the difference between 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. Moneda is a Neo Finance app offering EUR/USD stablecoin payments, optional yield tools, and an AI assistant, all while you keep control of your keys.

Is Moneda a (neo)bank?

No, Moneda is not a neobank. Neobanks are digital-first banks that operate under the same regulatory frameworks as traditional banks, meaning they act as custodians of your funds. In contrast, Moneda is a fintech app built on top of blockchain technology that prioritises self-custody, allowing you to maintain full control of your assets at all times. Moneda integrates blockchain-based features such as an optional earnings account and an AI advisor for personalised financial guidance. Moneda reduces reliance on legacy intermediaries while keeping you in control, but it is not a bank.

Who is the team behind Moneda?

Moneda is a company founded in 2025 in Berlin, Germany. The team combines crypto expertise with experience in traditional finance and technology. The founding team has worked together for over three years. Contributors come from major Web3 ecosystems including Bitcoin, Cosmos, Tendermint, the Interchain Foundation, NEAR, Chainsafe, Evmos, and Axie Infinity, as well as companies such as IBM, Slack, Sentry, and the neobank Nuri.

Are there prerequisites for signing up?

No prerequisites — just a smartphone and an email to sign up with your Google or Apple account.

Where can I download Moneda?

You can download Moneda on Google Play (Android) or the Apple App Store (iOS).

Plans & Pricing | Free & Premium Stablecoin Accounts

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3 plans. 1 purpose. Total Control.

From first steps to your full financial life, Moneda has a plan for how you live and grow.

Monthly

Annual

15% Off

Standard

Premium

Ultra

Standard

Always Free

No fees, no lock-ins, just smart money tools you fully own.

Accounts

Self-Custody Passkey Authentication
EUR & USD Accounts (i)
Exchange EUR <> USD
Downloadable Monthly Balance Statements

Contacts

Create and Manage Contacts
Manage third-party wallets

Transfers

Zero Transaction Fees (€)
Transfers to Moneda users
Transfers to external wallets (major blockchains)
Automatic Transaction Confirmation to Recipient
Payment References

Banking

Named Virtual IBAN
Send Instant SEPA Transfers to other accounts

Premium

49.99€/year (4.99€/month)

59.99€/year (5.99€/month)

Get enhanced features, faster transfers, and lower fees.

Accounts

Self-Custody Passkey Authentication
EUR & USD Accounts (i)
Exchange EUR <> USD
Downloadable Monthly Balance Statements

Contacts

Create and Manage Contacts
Manage third-party wallets

Transfers

Zero Transaction Fees (€)
Transfers to Moneda users
Transfers to external wallets (major blockchains)
Automatic Transaction Confirmation to Recipient
Payment References

Banking

Named Virtual IBAN
Send Instant SEPA Transfers to other accounts

Ultra

89.99€/year (8.99€/month)

99.99€/year (9.99€/month)

Maximum savings power.
All the tools and zero compromise

Accounts

Self-Custody Passkey Authentication
EUR & USD Accounts (i)
Exchange EUR <> USD
Downloadable Monthly Balance Statements

Contacts

Create and Manage Contacts
Manage third-party wallets

Transfers

Zero Transaction Fees (€)
Transfers to Moneda users
Transfers to external wallets (major blockchains)
Automatic Transaction Confirmation to Recipient
Payment References

Banking

Named Virtual IBAN
Send Instant SEPA Transfers to other accounts

Standard

Premium

Ultra

Monthly Price (€)

4.99€

Free

Yearly Price (€)

49.99€

Free

7 Day Free Trial

Accounts

Self-Custody Passkey Authentication

EUR & USD Accounts (i)

Exchange EUR <> USD

Downloadable Monthly Balance Statements

Contacts

Transfers to Moneda users

Transfers to external wallets (major blockchains)

Automatic Transaction Confirmation to Recipient

Payment References

Transaction Fees (€)

0.00€

Banking

Named Virtual IBAN

Send Instant SEPA Transfers to other accounts

FAQs

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. In fact, since launch YO’s yoUSD vault has delivered ~8.6% annualized returns with near-zero volatility and no negative months recorded – a testament to its balanced, risk-aware approach. 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.