> ## 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.

# Why use Moneda

> Self-custodial stablecoins, transparent DeFi yield, no lock-ups, passwordless security — why Moneda beats traditional finance apps

Traditional finance apps hold your money for you — they control the accounts, set the rules, and can freeze or restrict your access. Moneda takes a fundamentally different approach.

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

<CardGroup cols={2}>
  <Card title="Self-custodial" icon="key">
    Your funds live in a smart wallet that only you control.
  </Card>

  <Card title="Global transfers" icon="globe">
    Send to anyone with a Moneda username, wallet address, or bank account.
  </Card>

  <Card title="Dual currency" icon="coins">
    Hold and earn with both USD and EUR stablecoins.
  </Card>

  <Card title="AI-ready" icon="microchip">
    Connect your account to AI assistants through [MCP](/mcp-overview) for hands-free management.
  </Card>
</CardGroup>

<Info>
  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.
</Info>

## Learn more

<CardGroup cols={2}>
  <Card title="Security" icon="shield" href="/moneda/security">
    Self-custody, passkeys, payment approvals, and recovery.
  </Card>

  <Card title="Integrations" icon="puzzle-piece" href="/integrations">
    Technical infrastructure — Base, Safe, Morpho, and OAuth 2.0.
  </Card>

  <Card title="Download" icon="mobile" href="/moneda/download">
    Get the app and create your self-custodial wallet.
  </Card>

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