Why is self-custody better?
Your money sits in a smart wallet on the blockchain, not in Moneda’s accounts. This means:- No counterparty risk — if Moneda the company disappeared tomorrow, your funds would still be in your wallet
- Full transparency — your balances are verifiable on the public blockchain at any time
- No gatekeepers — you decide when and where to move your money
Are there lock-ups or waiting periods?
Withdraw your money whenever you want. There are no minimum holding periods, no withdrawal windows, and no penalties for moving your funds — whether they’re in your main account or earning yield.Where does the yield come from?
Yield comes from established DeFi lending protocols like Morpho, not from hidden investments or risky strategies. You can see exactly where your money is working and what it’s earning in real time.How does passwordless security work?
Sign in and approve transactions with passkeys — Face ID, fingerprint, or device PIN. No passwords to remember, no SMS codes to intercept, no authenticator apps to manage.Self-custodial
Your funds live in a smart wallet that only you control.
Global transfers
Send to anyone with a Moneda username, wallet address, or bank account.
Dual currency
Hold and earn with both USD and EUR stablecoins.
AI-ready
Connect your account to AI assistants through MCP for hands-free management.
Moneda is not a bank. Your funds are not insured by FDIC, DGS, or similar government programs. Instead, they’re secured by blockchain technology and smart contract audits.
Learn more
Security
Self-custody, passkeys, payment approvals, and recovery.
Integrations
Technical infrastructure — Base, Safe, Morpho, and OAuth 2.0.
Download
Get the app and create your self-custodial wallet.
Connect with AI
Manage your account through AI assistants using MCP.