Your Money, Two Ways.
Use it or Grow it Instantly.
Spend globally with control, or earn yield without lockups. Moneda gives you both - under your full control.
Always Liquid, Instantly Swappable, and Ready to Use
Virtual EUR and USD Accounts
Get paid directly from banks in the EU or US to your Moneda account with a Moneda virtual account. Fast, seamless, and globally accessible.
One-tap currency swap
Wholesale FX rates, no markups. Instantly convert between EUR and USD at standard exchange rates.
Make and receive payments via digital currencies, SEPA or ACH
Your money stays flexible and spendable no matter how you use it. Access it through stablecoins, crypto or traditional banking rails like SEPA (EU) or ACH (US).
Pay people globally, in seconds & 24/7
Transfer funds to your contacts or to your international accounts across the globe in seconds using stablecoins or traditional banking rails.
Tap it.
Freeze it.
Flex it.
Moneda Card.
(coming soon)
EUR & USD cards
Get a card in euros or dollar stablecoins connected to. Ideal for traveling.
Use anywhere
Spend globally, anytime. Online, in-store, and on the go. No borders, no friction.
Instant Virtual Card
And worldwide shipping for the physical card. Supports Google & Apple Pay.
Real-time freeze
Flexible spend daily and monthly limits and security you can count on.
Grow your Balance While Staying in Control
Your yield grows automatically
Earnings auto-compound and accrue every second.
Withdraw anytime
Access your funds instantly, with no lock-ups or hidden restrictions.
Invest in EUR or USD
Deposit euros or dollars to Moneda Earn, with rates higher than most banks.
Spend from Earnings
Transfer funds directly from your earnings balance and don't miss out on potential gains.
Earn up to 10% projected APY.
No lock-ups. Spend it anytime.
Your Money Could Work Harder
Projected return on $5,000 over 10 years
Moneda (up to 10% APY) vs traditional bank (0.7% APY)
Moneda earns ~142% more than a traditional bank over 10 years.
See How Your Money Could Grow
Enter your starting amount, monthly contributions, time frame, and APY to see your projected growth.
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.”
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 Authentication
Log in with Face ID or biometrics. It’s passwordless, phishing-resistant, and way more secure.
Email & Social recovery
Lost your phone? Regain access through email or trusted contacts, no seed phrases, no panic.
Ditch TheBankOwnYour Money
Switch to Moneda and unlock yield, freedom, and full ownership of your money.