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Moneda is a Neo Finance app that lets you hold, send, and earn with USDC and EURC — digital dollars and euros on the Base network. You stay in full control of your funds at all times.

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How does Moneda work?

Self-custodial

Your funds live in a smart wallet that only you control. Moneda never holds your money.

Stablecoins

USDC and EURC are pegged 1:1 to the US Dollar and Euro, issued by Circle and backed by reserves.

Earn yield

Put your stablecoins to work in DeFi lending vaults and earn competitive APY — withdraw anytime.

Send globally

Transfer to anyone with a Moneda username, wallet address, or bank account — fast and low cost.

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How do I earn yield?

Moneda offers two ways to earn yield on your stablecoins:
  • Morpho Earnings — a DeFi lending vault powered by the Morpho protocol
  • Smart Earnings — a higher-yield vault optimized by YO for more advanced strategies
Both are available for USD and EUR. Yield compounds in real time and you can withdraw at any time — no lock-ups or minimum holding periods.

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Learn more

Why use Moneda

What makes Moneda different from traditional finance apps.

Security

Self-custody, passkeys, payment approvals, and recovery.

Download

Get Moneda on your phone and get started.

Connect with AI

Manage your Moneda account through AI assistants using MCP.