Moneda provides a self-custodial neofinance platform allowing users to hold and manage EUR or USD stablecoins. Users can earn competitive APY on their holdings and spend globally using a virtual account and card. The platform emphasizes full user control over assets without reliance on traditional banking intermediaries.
Funding
Funding not disclosed
Founders
Product
Problem
Traditional banking services often restrict users to low‑interest accounts, impose slow cross‑border settlement, and retain custody over funds, limiting financial control and exposing users to fees, frozen accounts, and tax inefficiencies.
Solution
Moneda offers a self‑custodial neofinance platform built on regulated EUR and USD stablecoins. Users open virtual accounts, retain full private‑key control, and can earn up to 10 % APY on idle balances through an AI‑assisted earnings account. The platform enables instant, borderless transfers and a virtual debit card accepted in over 170 countries, providing seamless spendability without intermediary banks. Integrated tax‑optimization features allow long‑term holdings to qualify for tax‑free treatment in certain jurisdictions, while biometric, password‑less login and recovery via trusted contacts ensure secure, user‑friendly access.
Target Audience
The primary users are freelancers, remote workers, and globally mobile individuals who receive payments in multiple currencies and seek higher yields, full ownership of their assets, and frictionless international spending.
Features
- Regulated EUR and USD stablecoin accounts with full self‑custody (no seed phrases, biometric login)
- AI‑driven savings planner that projects growth based on contributions, time horizon, and APY
- Yield generation up to 10 % APY, with tax‑optimized earnings (e.g., tax‑free after one year in Germany)
- Virtual debit card linked to stablecoin balance, accepted in 170+ countries for real‑time spending
- Instant, fee‑transparent cross‑border transfers using stablecoin settlement
- Password‑less authentication (Face ID, biometrics) and secure account recovery via email or trusted contacts
- Referral program that rewards users for inviting new participants