No Banks.No Borders.Just Better Money.
Hold euros or dollars. Earn yield while you sleep. Spend globally. Fully under your control. All built on regulated Stablecoins.
Your money deserves more than a pretty app. Neo-banks still trap you in slow rails, blocked accounts, and zero yield. Moneda gives you speed, growth, and control. Money that finally works for you.
a new kind of finance
Earn Up to 10% APY, Tax‑Optimized
Your Money, Always
Pay & Spend Globally
Investments on Moneda's Earnings Account held for over a year can be tax‑free in Germany, while other countries may treat them as long‑term cap gains.
Only you can access, move, or authorize anything in your account. Funds on Moneda are yours to own.
Pay or receive funds in seconds with fully regulated stablecoins just like cash. Open a EUR or USD virtual account and access funds anywhere.
Like a Normal Bank, But Better.
Get paid and earn up to 10%
Your salary grows instantly with Moneda Earnings.
Near instant global transfers
Transfer EUR or USD stablecoins anywhere.
Spend and exchange easily
Spend with your Moneda Card in +170 countries.
Smarter money habits
AI helps you save and grow, no sheets.
Moneda Works Wherever You Do
"I discovered Moneda at an event and was impressed by how effortless it feels, knowing how much tech is running behind it. That’s the kind of fintech that lasts."
“I get paid from clients all over the world, and banks always make that super complicated. With Moneda, I can receive stablecoins and grow them in euros. It’s fast, fair, and gives me full control.”
“I was looking for alternative ways to manage and grow my savings under one currency. Moneda made it easy. The Earnings Account feels effortless, and I always know where my money is.”
“I joined to protect my income from inflation in a stable way. Now I can hold USD, earn yield, and still move money easily. For people here, that kind of stability and control changes everything.”
"I discovered Moneda at an event and was impressed by how effortless it feels, knowing how much tech is running behind it. That’s the kind of fintech that lasts."
“I get paid from clients all over the world, and banks always make that super complicated. With Moneda, I can receive stablecoins and grow them in euros. It’s fast, fair, and gives me full control.”
“I was looking for alternative ways to manage and grow my savings under one currency. Moneda made it easy. The Earnings Account feels effortless, and I always know where my money is.”
“I joined to protect my income from inflation in a stable way. Now I can hold USD, earn yield, and still move money easily. For people here, that kind of stability and control changes everything.”
Share Moneda, Earn Together
Invite your friends to join Moneda and get rewarded when they do.
Built for Safety, Designed for You
Self-custody
Only you control your assets. Moneda never holds your funds, so there’s no risk of frozen accounts.
Passkey Login
Log in with Face ID or biometrics. It’s passwordless, phishing-resistant, and way more secure.
Social recovery
Lost your phone? Regain access through email or trusted contacts. No seed phrases, no panic.
See How Your Money Could Grow
Enter your starting amount, monthly contributions, time frame, and APY to see your projected growth.
Ditch TheBankOwnYour Money
Switch to Moneda and unlock yield, freedom, and full ownership of your money.