Working with your AI assistant

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.

When you connect your AI assistant to Moneda, it can read your account, help you organise transactions, and start payments on your behalf. You always stay in control of your money — the assistant proposes, you approve. This page explains the kinds of things your assistant will do and what you’ll experience for each.

​

Looking up information

The most common thing your assistant does. It checks your balances, browses transactions, summarises your spending, looks up exchange rates, and reads your settings. You’ll see: a direct answer in the chat. No confirmation needed — your assistant only reads, never changes anything. Examples:

• “What’s my EUR balance?”
• “How much did I spend on groceries last month?”
• “What’s my smart wallet address?”

​

Making small changes

Your assistant can make instant updates that don’t move money — categorising a transaction, adding a note, saving a contact, updating your display name. You’ll see: the change happen in your account immediately and reflected the next time you open the Moneda app. Examples:

• “Categorise my last coffee purchase as Restaurants.”
• “Save Alice’s IBAN to my contacts.”
• “Add a note ‘birthday dinner’ to that €60 transaction.”

​

Sending money

When your assistant initiates a payment — to another Moneda user, an external wallet, or a bank account — you must approve it in the Moneda app before any money moves. You’ll see:

1. Your assistant tells you it’s preparing the payment and gives you the details.
2. You get a push notification on your phone.
3. Open the Moneda app, review the payment (recipient, amount, currency), and approve with your biometric (Face ID, Touch ID, or your phone’s screen lock).
4. The payment executes on-chain. Your assistant tells you it’s done.

You can reject too — tap the notification, review, and decline. Your assistant will see the rejection and stop. Why this works this way. Moneda is self-custodial: the only thing that can move your money is your passkey, on your phone, with your biometric. No one — not Moneda, not your AI provider, not your AI assistant — can move money without your explicit approval. This is what makes Moneda different from a custodial wallet where the company holds your keys. Examples:

• “Send €50 to Alice.”
• “Pay €120 to my landlord’s IBAN, and add a note ‘rent for May’.”
• “Move €500 from my checking account to my savings vault.”

​

One-time setups

For some actions — connecting a new device, setting up account recovery, creating a new sub-account vault — your assistant gives you a link or QR code to open in your browser. The setup happens once; from then on, your assistant can use the new feature without further setup. You’ll see:

1. Your assistant explains what’s being set up and why it’s a one-time step.
2. It shows you a short URL or QR code (your assistant decides which based on whether you’re at a desktop or on your phone).
3. You open the link in any browser; your saved Moneda passkey signs you in automatically.
4. The setup completes and your assistant continues from where it left off.

You don’t need the Moneda mobile app installed for these one-time setups — your passkey lives on your device’s keychain (iCloud Keychain, Google Password Manager, 1Password, etc.) and works in any browser.

​

Standing instructions

For actions you want your assistant to repeat without asking each time — recurring transfers, scheduled investments, automatic top-ups — you set the bounds once with your passkey, and your assistant operates within them. You’ll see:

1. Your assistant proposes a “standing instruction”: for example, “send €100 to your savings vault on the 1st of every month, for the next year, capped at €1,200 total.”
2. You approve the bounds in the Moneda app with your biometric. This is a one-time signature that defines what the assistant can do.
3. The schedule runs automatically — the assistant doesn’t need to ask you each time, because the bounds you set already cover it.
4. You can revoke or adjust the standing instruction in the Moneda app at any time.

Why this is safe. The bounds are enforced on the blockchain, not by Moneda’s servers. The schedule can only do what you signed for — to that recipient, up to that amount, until that date. If your AI assistant is compromised, the worst it can do is what your bounds allowed; it can’t drain your account or send to a different recipient.

​

Quick reference

​

Learn more