> ## Documentation Index
> Fetch the complete documentation index at: https://docs.moneda.com/llms.txt
> Use this file to discover all available pages before exploring further.

# What is Moneda

> Moneda is a self-custodial stablecoin app for USDC and EURC on Base — save, send, earn yield, and manage your finances with AI

Moneda is a Neo Finance app that lets you hold, send, and earn with **USDC** and **EURC** — digital dollars and euros on the [Base](https://base.org) network. You stay in full control of your funds at all times.

## How does Moneda work?

<CardGroup cols={2}>
  <Card title="Self-custodial" icon="key">
    Your funds live in a smart wallet that only you control. Moneda never holds your money.
  </Card>

  <Card title="Stablecoins" icon="coins">
    USDC and EURC are pegged 1:1 to the US Dollar and Euro, issued by Circle and backed by reserves.
  </Card>

  <Card title="Earn yield" icon="chart-line">
    Put your stablecoins to work in DeFi lending vaults and earn competitive APY — withdraw anytime.
  </Card>

  <Card title="Send globally" icon="globe">
    Transfer to anyone with a Moneda username, wallet address, or bank account — fast and low cost.
  </Card>
</CardGroup>

## 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](https://morpho.org) 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.

## Learn more

<CardGroup cols={2}>
  <Card title="Why use Moneda" icon="sparkles" href="/moneda/why-moneda">
    What makes Moneda different from traditional finance apps.
  </Card>

  <Card title="Security" icon="shield" href="/moneda/security">
    Self-custody, passkeys, payment approvals, and recovery.
  </Card>

  <Card title="Download" icon="mobile" href="/moneda/download">
    Get Moneda on your phone and get started.
  </Card>

  <Card title="Connect with AI" icon="microchip" href="/mcp-overview">
    Manage your Moneda account through AI assistants using MCP.
  </Card>
</CardGroup>