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Moneda is an investing app with an AI that does the research. Moneda AI reads filings and live market data on stocks, ETFs, commodities and crypto, helps you build and track a portfolio, and shows its sources. You make every decision. In the same app you can buy US-listed shares and crypto, spend and get paid in euros and dollars, and earn on cash you are not using yet. Your funds stay under your control: nothing happens outside what you have approved.

A fintech app puts financial tools in your phone, usually faster and cheaper than a traditional bank. Neo Finance is our name for the next step: an AI that does the research, the tracking and the maths, while you make the decisions. It is a category description, not a regulated banking term. Where Moneda fits: Moneda is a Neo Finance app. Moneda AI researches stocks, ETFs, commodities and crypto, and you invest, spend and earn in the same app. You can read more about Neo Finance at https://moneda.com.

No. Moneda is a financial technology company, not a bank, and your balances are not bank deposits or covered by deposit guarantee schemes. Moneda is self-custodial: your funds sit in an account only your passkey can sign for, so Moneda does not hold them. Licensed partners provide the brokerage account, virtual accounts and bank transfers. Where a neobank offers current accounts, cards and loans, Moneda is built around investing: Moneda AI researches what you own and what you might buy, and you decide. Bottom line: Moneda is an investing app with an AI, not a bank.

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 worked together for over three years before starting Moneda, and we now build from Berlin and Madrid. 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).

Moneda AI is the agent in the app. It researches stocks, ETFs, commodities and crypto, reads filings and live prices, helps you build and track a portfolio, and answers questions about your account in plain language. It can prepare a trade or a payment, but it cannot sign one: nothing happens outside what you have approved. You can use it inside the app, and you can also connect Moneda to outside AI tools like Claude or ChatGPT.

AI features run on large language models, which cost money every time they're used, so your AI usage is metered. You get an allowance included, and if you need more you can buy extra usage credits. You can also set a usage limit to cap how much AI you use. Your usage and what's left of your allowance are shown in the app.