Integrations

Moneda is built on top of established blockchain infrastructure and DeFi protocols. Here’s what powers your account under the hood.

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Base Network

Base is an Ethereum Layer 2 network built by Coinbase. All Moneda transactions — transfers, earnings deposits, and withdrawals — execute on Base.

• Low fees — transactions cost a fraction of Ethereum mainnet
• Fast finality — transfers confirm in seconds
• EVM-compatible — built on the same technology as Ethereum

Your Moneda smart wallet address is a Base address. When sending crypto to or from Moneda, always use the Base network with USDC or EURC tokens. Sending other tokens or using other networks will result in permanent loss of funds.

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Safe Smart Accounts

Every Moneda user gets a Safe smart account — a programmable wallet secured by your passkeys.

• Self-custodial — only you can authorize transactions from your wallet
• Passkey-secured — transactions are signed using your device’s secure hardware (Face ID, fingerprint, or device PIN)
• Recoverable — social recovery lets trusted contacts help you regain access if you lose your passkey
• On-chain — your funds are always visible and verifiable on the public blockchain

Unlike traditional wallets that use seed phrases, Safe smart accounts use passkeys for signing — no 12-word backup to manage or lose.

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Morpho Earnings

Morpho is a decentralized lending protocol. Moneda’s Morpho Earnings vaults deposit your stablecoins into Morpho lending markets to generate yield.

• Available for USD and EUR — earn on both USDC and EURC
• Real-time compounding — yield accrues continuously, not monthly
• No lock-ups — withdraw your funds at any time with no penalties
• Audited contracts — Morpho’s smart contracts have been independently audited

Use the get_apy_rates MCP tool to check current Morpho Earnings APY rates.

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YO Smart Earnings

YO Smart Earnings is a higher-yield vault that uses optimized strategies across DeFi lending markets.

• Available for USD and EUR
• Higher APY — uses more advanced allocation strategies than standard Morpho vaults
• No lock-ups — same instant withdrawal flexibility
• Managed by YO — vault strategy is managed by YO

Use the get_apy_rates MCP tool to compare Smart Earnings and Morpho Earnings rates.

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OAuth 2.0 with PKCE

Moneda MCP uses OAuth 2.0 with PKCE (Proof Key for Code Exchange) to authenticate AI clients.

• No passwords shared — your credentials are never exposed to AI clients
• Granular scopes — you control exactly which data and actions the AI can access (see Scopes)
• Token refresh — connections stay active without re-authorization
• Revocable — disconnect your AI client at any time from the Moneda app

This is the same authentication standard used by Google, GitHub, and other major platforms for third-party integrations.

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