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What is Moneda?

Moneda is the flagship app of Neo Finance, the new standard for self-custodial money.

The app lets you hold, pay, and gain yield on EUR- and USD-denominated stablecoins while you keep sole control of your private keys. Built for a border-free, AI-native economy, Moneda offers instant stablecoin payments, optional on-chain yield, and an AI assistant.

Are there prerequisites for signing up to Moneda?

No prerequisites just either a smartphone and an email to sign up with your Google or Apple account.

What could happen with my funds if Moneda shuts down?

Since Moneda is a self-custody interface, your funds would remain secure and accessible even if the event our company shuts down. You can continue using your account by connecting your Moneda Passkey with other services, but doing so might impact your user experience and lose access to Moneda’s features. For example, you might lose access to perks like storing contacts, using integrated services like earnings accounts, and other platforms may require you to manually pay fees on every transaction.

Are there hidden fees?

No, Moneda does not have hidden fees. We are committed to full transparency and ensure that you won’t encounter unexpected costs when using the platform.

Here’s how we handle potential fees:

Fiat Top Ups: Converting from USD and EUR to the EU-compliant USDC and EURC do not incur in any conversion fee when depositing through Coinbase, which is why we chose them. Other top up alternatives might incur in a small percentage fee depending on the payment type. We display these fees transparently when topping up your account.
FX fees: Conversions from USD to EUR and viceversa incur in a small foreign exchange fee, which varies according to each subscription plan. The FX fee is reflected in the exchange rate.
Network Fees: Moneda subsidises network fees for our premium users and early adopters so that you don’t pay on every transaction.

Although network fees exist at the blockchain or system level, Moneda is adamant about not passing them on to our users. We cover these fees ourselves to ensure a seamless and transparent experience for all users.

Do I need to pay taxes on my earnings?

You are responsible for reporting any earnings or gains from your Moneda account in accordance with the tax laws of your country. Earnings from stablecoins or other digital assets, such as interest on deposits or any capital gains, may be taxable.

Moneda does not provide tax advice and recommends consulting a tax professional to understand your obligations. You can also export your transaction history from by using your Moneda account address to help with tax reporting.

Can I transfer any cryptocurrency to my Moneda account?

Moneda only supports EURC and USDC stablecoins on the app’s interface. Meaning that transfers of any other cryptocurrency to the account will not be accessible to the user. We do this to protect users from interacting with spam or unsolicited tokens that might compromise their funds through phishing.

What are virtual accounts?

A virtual account is a set of bank details (for example an IBAN for EUR deposits, or a US bank account number + routing number for USD deposits) that is issued in your name (or your user’s name / identifier) and which acts like a “payment address” rather than a typical bank account holding funds.

What is the difference between a Neo Finance and a fintech app?

A fintech app delivers financial tools digitally. Payments, money management, and more are often faster and cheaper than with legacy providers like traditional banks.

Neo Finance is the next step: self-custodial, stablecoin-native, and AI-assisted. Instead of holding your money, these apps let you control the keys, move value globally on public blockchains, and (optionally) use on-chain yield tools (returns vary; capital at risk; not deposit-guaranteed). It’s a category description, not a regulated banking term.

Where Moneda fits: Moneda is a Neo Finance app. You pay in EUR/USD stablecoins, optional yield tools, and an AI assistant, all while you keep control of your keys. If you want to find out more about Neo Finance, click here.

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Where can I download Moneda?

You can download Moneda on Google Play (Android) or the Apple App Store (iOS) using the following links:

Android: https://play.google.com/store/apps/details?id=com.moneda.io
iOS (Testflight): https://testflight.apple.com/join/QZRWVyh5

What is the risk level of using Moneda Earnings?

Overall, Moneda Earnings has a generally low risk due to the use of fully regulated stablecoins. However, no investment is risk free. Moneda Earnings has the following risk profile compared other options in the market:

Market risk: Low due to the use of stablecoin
Liquidity risk: Low due to the use of stablecoin vaults with deep liquidity
Credit/default risk: Low due to the use of overcollateralised loans
Inflation risk: Low. Potential earnings can outpace the inflation rate for USD and EUR.
Regulatory risk: Low due to the use of fully compliant stablecoins in the EU (MiCa)
Technology risk: Moderate due to the use of smart contracts. Smart contracts have been fully audited but are not risk free.

Does Moneda charge fees for transfers?

Moneda subsidises the network fees for blockchain-related transactions like adding recovery contacts, investing and withdrawing from the Earnings account. Users of the free plan will need to pay network fees (~$0.02) when executing transfers to contacts and other third-party wallets. For premium users, Moneda covers all any network fees.

Does Moneda comply with GDPR?

Yes, Moneda fully complies with the General Data Protection Regulation (GDPR). We are committed to protecting your privacy and ensuring that your personal data is handled securely and in accordance with EU regulations.

This means:

Data Protection: We ensure that any personal data you share with us is stored securely and used only for legitimate purposes.
Transparency: We provide clear information about how your data is used and processed.
User Rights: You have the right to access, correct, or delete your personal data at any time.
Data Minimisation: We only collect the data necessary for providing our services, and we don’t share your personal information with third parties without your consent.

Your privacy is a top priority for us, and we take all necessary steps to comply with GDPR and safeguard your information.

Can I use my Moneda wallet with other dApps?

Currently, Moneda is designed for spending, earning, and peer-to-peer transfers. Support for connecting to other dApps (e.g. via WalletConnect) is not currently supported but may be added in future updates.

What virtual accounts can I open on Moneda?

In Moneda, you can open two virtual accounts: Virtual EUR Account (via IBAN) and a Virtual USD Account (via US account number) so you can deposit funds SEPA or ACH, respectively. The deposit, upon arrival, triggers conversion/settlement into your system (e.g., into EUR or USD stablecoin balances). You can also receive from and send to third-party bank accounts, for example, paying friends or vendors, after adding their details.

Is Moneda a (neo)bank?

No, Moneda is not a neobank. Neobanks are digital-first banks that operate under the same regulatory frameworks as traditional banks, meaning they act as custodians of your funds, often partnering with licensed banking institutions.

In contrast, Moneda is a fintech app built on top of blockchain technology. Moneda does not rely on a central authority to manage or safeguard your money. Instead, it prioritises self-custody, allowing you to maintain full control of your assets at all times. This eliminates the need for intermediaries and reduces dependency on traditional banking systems.

Moneda also differs in how it generates value for users. Neobanks typically offer standard financial products like checking accounts, debit cards, and loans. Moneda goes beyond this by integrating blockchain-based features, such as our optional earnings account and the AI advisor, designed to provide personalised financial guidance. These tools enable you to manage and grow your finances in a more independent and flexible way, setting Moneda apart from what neobanks offer.

Bottom line: Moneda reduces reliance on legacy intermediaries while keeping you in control, but it is not a bank.

How do I create an account?

Simply download the app and Sign up with your Google or Apple account. After that you will need to create a Passkey that you will need to sign transactions on the Moneda.

Is my account balance private?

Moneda operates on blockchain technology, which means that transactions and balances are recorded on a public ledger. While your personal identity is not directly linked to your account, your account address allows anyone to view your balance and transaction history. This concept, known as pseudo-anonymity, means that while identities are not explicitly revealed, data analysis techniques or service providers can sometimes be used to link transactions to individuals based on spending patterns, interactions with previously known addresses, or external data sources.

Does Moneda charge fees?

Moneda charges a small Service Fee on your investment to cover operational costs and platform improvements. Additionally, we charge a Foreign Exchange (FX) Fee for currency conversions, eg. when converting EUR (€) to and from USD ($). The fees are transparently displayed in our application and vary according to each subscription plan.

Are the Moneda Spending Accounts (EUR and USD) regulated?

Yes. Moneda Spending Accounts are powered by fully regulated stablecoins under the EU Markets in Crypto-Assets Regulation (MiCA).

For EUR accounts, we use EURC, a Euro-denominated stablecoin issued in compliance with MiCA requirements.
For USD accounts, we use USDC, a US dollar-denominated stablecoin, which is also recognized as an e-money token under MiCA when offered in the EU.

This means that the digital money in your Moneda account is backed 1:1 with fiat reserves, subject to strict transparency, audit, and consumer protection rules.

Moneda itself does not issue stablecoins. Instead, we integrate only with issuers that are licensed and supervised under MiCA to ensure regulatory compliance and user protection.

What is EURC?

EURC is a digital euro issued by Circle, also known as a stablecoin, and operates on several leading public blockchains. Designed to represent euros on the internet, EURC is backed 100% by euro-denominated reserves so that it's always redeemable 1:1 for EUR. EURC is one of the first fully compliant stablecoins under the EU's Markets in Crypto-Assets (MiCA) regulation. For more info, visit https://circle.com/eurc

How do virtual accounts work?

When the deposit is made to, the virtual account detects the incoming funds via the fiat payment rails (eg. SEPA or ACH). Our partner, Iron, converts the fiat into stablecoins, which are then settled into your Moneda Spending Account (EUR or USD balance).
Similarly, when you withdraw funds to a bank account, the funds are transferred to a wallet address which is monitored by Iron. Once the the incoming funds are settled on the blockchain, our partner proceeds to transfer the corresponding fiat currency to the bank account.

Who is the team behind Moneda?

Moneda is a company founded in 2025 in Berlin, Germany. Moneda is built by a team with a strong mix of crypto expertise and experience in traditional finance and technology.

The founding team has worked together for over three years prior to starting this project. We are a team that delivers and adapts.

We’ve contributed to major Web3 ecosystems including engineers from Bitcoin, Cosmos, Tendermint, the Interchain Foundation, NEAR, Chainsafe, Forte, Evmos, and Axie Infinity, giving us first-hand knowledge of the systems behind decentralised finance.

Our experience also includes roles at companies such as IBM, Slack, Dreamship, Sentry (Codecov), and the neobank Nuri (formerly Bitwala).

This combination of technical skill, product experience, and regulatory understanding allows us to build a secure, compliant, and globally scalable alternative to today’s banking systems. with a team made up of professionals from around the world. Together, we bring a diverse range of expertise to create a financial platform that prioritises independence and usability.

How do I add money to my account?

On the Moneda app, go to the currency you want to add and click the “Top up” button, after which you can select the method you want to top up your account. Alternatively, you can share your account wallet address to receive EURC or USDC on the Base network.

Is my information private?

Moneda prioritizes user privacy by implementing security measures that protect your personal information. While blockchain transactions are publicly recorded, Moneda does not store personally identifiable information on the blockchain. Any data stored by Moneda, such as email addresses or device information, is fully encrypted in our database and protected using industry-standards and best security practices.

Is Moneda available in my country?

Moneda can be accessed from anywhere except for sanctioned countries.

We are not responsible for ensuring compliance with local laws, so users should verify the regulations in their own country before using Moneda. It’s important to ensure that you are complying with any relevant financial or blockchain regulations in your region.

Where is Moneda incorporated?

Moneda is incorporated in Berlin, Germany. We operate under German and European regulations to ensure compliance, transparency, and the highest standards of security and privacy for our users.

Being based in Berlin also means Moneda benefits from Germany’s robust regulatory framework for financial services, which prioritises consumer protection, data privacy, and financial transparency.

Our incorporation in Germany reflects our commitment to operating with the highest standards of integrity and trust in the financial sector.

What is USDC?

USDC is a fully reserved dollar stablecoin, or digital dollar, backed 100% by highly liquid cash and cash-equivalent assets and is redeemable 1:1 for US dollars. The majority of the USDC reserve is transparently invested in the Circle Reserve Fund (USDXX), an SEC-registered 2a-7 government money market fund. For more info, visit https://usdc.com

Are virtual accounts issued under my name?

Yes, the virtual account details you receive are issued under your name. This means you can receive payments from your bank, your employer or third-parties into that dedicated account. Behind the scenes, the funds will be routed into your Moneda account in the form of stablecoins.

What methods are supported to fund my account?

You can top up your account on Moneda via:

Moneda: share your username and receive funds from friends on Moneda.
Bank transfers: transfer funds via SEPA (EU), ACH (US) or local banks in Latin America and other supported countries.
Cryptocurrencies: connect your desktop or mobile wallet to transfer EURC or USDC stablecoins. This option also supports the
Coinbase: connect to your Coinbase account and deposit funds into Moneda using your cards or Coinbase balance.

Is my money insured?

No, funds held in Moneda are not insured by the Deposit Guarantee Scheme (DGS) in the EU or the Federal Deposit Insurance Corporation (FDIC) in the United States. These protections apply to traditional bank accounts.

Moneda operates as a self-custodial platform, meaning your funds are held in digital currencies that are pegged to the corresponding asset, stablecoins. These stablecoins (such as USDC and EURC) live on the blockchain rather than in a traditional bank. These stablecoins are issued by reputable providers with robust reserves, ensuring transparency and security. However, they are not covered by government deposit insurance programs.

What type of stablecoins are USDC and EURC?

EURC and USDC are both fiat-collateralized stablecoins, by which the issuer (Circle) maintains a reserve to back the number of issued stablecoins. This reserve typically consists of:

Fiat currencies: EUR and USD, respectively
Very low-risk and highly liquid bonds (eg. government bonds)

You can see the transparency reports and reserve composition for USDC and EURC on Circle’s transparency website here.

Can I open a virtual account even if I’m not based on the EU or US?

You can open a virtual account as long as your country is not sanctioned and you successfully complete KYC (Know Your Customer). Once verified, eligible customers can access virtual EUR and virtual USD accounts. Availability and initial limits may vary by country and risk tier.

How do I receive stablecoins on Moneda?

You can receive stablecoins on your Moneda account by sharing your account address, which is accessible on your account details. Make sure that the sender transfers only USDC or EURC stablecoins on the Base network as other currencies and blockchain networks are not supported on Moneda. Using the wrong currency or network could mean losing your funds or not being able to access them. When in doubt, make sure the sender transfers a small amount first.

Can I lose money with Moneda Earnings?

While Moneda reduces risk through Morpho’s safeguards, potential risks include:

Losses due to smart contract vulnerabilities or exploits.
Stablecoins de-pegging from their corresponding fiat currency.
Temporary unavailability of funds during extreme liquidity shortages.
Extreme Market events where liquidated collateral is insufficient and the Reserve Factor is exhausted.

These risks are low for stablecoin lending but still exist.

What stablecoins does Moneda support?

We currently support:

EURC (Euro Coin): For Moneda’s EUR Spending Account
USDC (USD Coin): For Moneda’s USD Spending Account

Both stablecoins are issued by Circle and are fully regulated under EU cryptocurrency regulations (MiCAR), ensuring transparency and security.

What documents do I require to open a virtual account?

To open a virtual account, users must:

verify their identity with a government-issued photo ID (passport worldwide; EU national ID; driver’s license in the EU, UK, or US),
complete a quick liveness/selfie check, and
provide a recent proof of address (e.g., utility bill or bank statement issued within the last 3 months).

You will also be asked to answer a short questionnaire regarding details on employment, income, intended use, expected volume, and source of funds. For higher tiers, you will also be asked to submit source-of-funds documents.

These checks happen before we issue your virtual account details. Once approved you’ll see your virtual account information appear in your account details.

What is the difference between display name and username?

The username is the unique identifier that others can use to find and transfer funds to you on Moneda. The display name is the nickname that you define and that other users see when transferring you. The display name can be changed at any time.

Can I lose my money?

Using Moneda is not exempt of risks. Unforeseen events can always happen, but they are extremely unlikely. Moneda is designed to prioritise your safety

Price stability: Your funds are held in stablecoins, pegged to assets like the Euro or US Dollar, reducing price volatility and providing stability.
Self-custody: We use blockchain technology on the Base Network to secure your assets. As a self-custodial platform, you retain full control of your funds, eliminating reliance on middlemen who could pose security risks.
Social Recovery: You can recover access to your account with the help of Recovery Contacts in case you lose access to your Passkey.
Reliable systems: Third-party hacking or issues with the Base Network, its rigorous audits and strong track record make such events highly unlikely.
High security: By securing your own private keys via passkey authentication, you can confidently manage your funds, knowing your safety is our highest priority.

What are stablecoins?

Stablecoins are digital assets (cryptocurrencies) whose value is pegged, or tied, to that of another currency, commodity, or financial instrument. Stablecoins are typically pegged to a fiat currency like the US dollar or euro and are designed to minimize price volatility, making them ideal for everyday payments and transfers.

I can’t see the information from my virtual account

You’ll only see your virtual account details once you’ve completed your identity verification. If they’re missing, head to Settings > Identity Verification and check the status of your application. Once approved, your account details will appear automatically.

Can I download my account data?

You can write an email to us from the Moneda app settings. Simply navigate to Settings > Account > “Download Data”. This will open your email service. After we receive your email, we will process your request within 5 workdays.

Where are my funds stored?

Moneda is a fully self-custodial platform, meaning Moneda does not hold, manage, or maintain your funds in any way. Here’s how it works and why this approach is unique and beneficial for you:

You Own Your Assets: With Moneda, only you have access to your funds because you hold the private keys to your account. Unlike traditional banks or custodial services, we cannot access your money.
No Middlemen: Your funds are stored securely on the blockchain, a decentralised financial infrastructure that ensures you are the sole owner and controller of your money.
Access Anytime, Anywhere: Since funds are stored on the blockchain, they can be accessed instantaneously through Moneda, as long as you have your device and private keys to sign into the app.

Are transactions reversible?

No. Like all blockchain-based systems, transactions on Moneda are irreversible once confirmed. Always double-check the recipient address and amount before sending.

How do I transfer funds to Moneda from my bank account?

To add money from your bank into Moneda, you need to send a normal transfer using the account details we provide in the app. Note that you will need to complete your identity verification first.

Steps:

In the Moneda app, go to the Home screen.
Select Top up from the account you want to fund (EUR or USD).
Select the Bank Transfer option and select the currency you want to use.
You’ll see the account details that you can copy to complete the transfer from your banking app.

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How do I delete my account?

You can write an email to us from the Moneda app settings. Simply navigate to Settings > Account > “Delete Account”. This will open your email service. After we receive your email, we will process your request within 5 workdays.

Why don’t passkeys require 2FA?

Passkeys don’t require traditional two-factor authentication (2FA) because they inherently provide strong security guarantees. They use cryptographic authentication that binds your credentials only to your device and require biometric verification or a PIN. Since passkeys cannot be phished or stolen remotely, they eliminate many of the vulnerabilities associated with passwords and traditional 2FA methods.

What is a Layer 2 (L2) blockchain?

Layer 2 refers to solutions built on top of an existing blockchain (like Ethereum) to enhance scalability and performance. L2s allow for faster transactions and lower fees while still benefiting from the security and reliability of the underlying blockchain.

How do I withdraw funds to my bank account from Moneda?

To move money out of Moneda and back into your bank account, you just need to make a withdrawal in the app. Make sure you’ve already registered your bank account in Transfer > My accounts section.

Steps:

Open the Moneda app and tap Transfer in the bottom navigation bar.
Go to the My accounts tab.
Select the saved bank account you’d like to withdraw to.
Enter the amount and confirm the transfer.

Where can I find my passkey for Moneda?

On iOS

Open your device Settings.
Navigate to Passwords.
Search for auth.moneda.com, select the Moneda passkey named with the appropriate date the passkey was created.
- You can view, rename, or delete your passkey here.

On Android devices

Open device Settings.
Go to Passwords & Accounts.
Select Google
Select Google Password Manager under the corresponding user profile.
Search for auth.moneda.com, select the Moneda passkey named with the appropriate date the passkey was created.

On 1Password

Open the 1Password App
Search for auth.moneda.com , select the Moneda passkey named with the appropriate date the passkey was created.

Why does Moneda use Base?

We chose Base because it is a trusted network, backed by Coinbase’s reputation for reliability and innovative blockchain solutions. Additionally, it’s an Ethereum-compatible blockchain, meaning that Moneda can leverage the best tooling for our blockchain and wallet infrastructure.

This seamless integration with Coinbase allows Moneda to provide a fee-free USDC and EURC onramp. When you convert U.S. dollars to USD Coin (USDC) via Coinbase, there are no fees for this conversion, enabling efficient and cost-effective access to USDC within the Moneda platform.

In addition, Base’s integration with numerous decentralised applications gives users access to a rich ecosystem of financial tools, applications, and communities, making it an ideal network for Moneda's mission.

How do I add my bank account to withdraw funds to?

You can add a payout bank account in the app and then withdraw to it any time.

Steps:

Open the Moneda app → Transfer (bottom navigation).
Go to the My accounts tab.
Tap Add bank account (top-right).
Select the country of the account.
Enter the account holder name, account number and any relevant information.

Important considerations:

The account holder name must match the full legal name of the account beneficiary.
Some banks may reject payouts to other users or to business accounts. To transfer to other people or businesses, you can add the bank information to their contact.
If KYC isn’t complete, you may be prompted to finish verification before saving your bank account.

What happens if I lose the device with my passkeys?

If you lose a device with your passkeys and have used a password manager, you can still access your Moneda account from another trusted device where your passkeys are synchronized. Simply log in using your password manager and continue authentication as usual.

If your passkey was only ever stored on the lost device, you may need to recover access by using the exported key generated through Moneda’s account recovery process, and then set up a new passkey on your replacement device.

Which blockchain network does Moneda use?

Moneda operates on the Base Network, a Layer 2 (L2) blockchain developed by Coinbase. This network enhances transaction speed and reduces costs, offering a more efficient experience compared to traditional Layer 1 blockchains. By leveraging the Base Network, Moneda ensures secure, scalable, and eco-friendly transactions for its users.

What are the processing and settlement times for bank transfers to and from Moneda?

Settlement times may not be instant. This is due to the applicable jurisdiction, payment rail used, cross-border nature of a transaction, settlement protocols, processing windows, and banking infrastructure involved, and may take up to seven days. You can review the settlement times for the different payment rails available:

SEPA & SEPA Instant (EUR): usually instant, up to 3 business days.
ACH (USD): a few hours up to 4–5 business days.
CLP, PEN, MXN, COP, ARS: usually instant, up to 30 minutes.
INR, IDR, TRY, PHP, NGN, BRL: usually instant.

Can I use the same passkey across multiple devices?

Yes, if you utilize a password manager such as iCloud Keychain, Google Password Manager or 1Password, you can use the same passkey on any device that also has access to your iCloud, Google or 1Password accounts.

Certain passkey providers, such as Chrome Profile are device specific and will not work across platforms.

Do I need prior web3 or crypto experience to use Moneda?

You don’t need any prior web3 or crypto experience to use Moneda. We designed Moneda to be a seamless experience for every user with a smartphone. Our intuitive app guides you through every step of the process, making it easy for anyone to start investing.

What are the minimum and maximum transfer amounts to or from bank accounts?

Withdrawal limits vary by currency and verification tier. Higher tiers or approved source-of-funds (SoF) documents allow for higher or even unlimited top ups or withdrawals. We recommend completing your Source of Funds verification before planning large transfers as it prevents unnecessary delays or rejections.

Current limits:

EUR (SEPA): min. €1 — max. €27,000 → up to unlimited with SoF
USD (ACH): min. $1 — max. $31,000 → up to unlimited with SoF
LATAM rails (CLP, PEN, MXN, COP, BOB, BRL, ARS): min. $25 — max. $8,000

Notes:

Limits apply per individual withdrawal unless otherwise stated.
Enhanced KYC and SoF verification may be required for higher limits or frequent large transfers.
If your withdrawal exceeds the maximum for your rail, it will not be processed. Split it into smaller transfers.
Some partner banks or rails may have daily or cumulative limits.

Where are best practices for managing my passkey?

Here are some general recommendations for managing your Moneda passkey:

Never delete your passkey for your Moneda Account, or you risk losing access to your funds.
Use a cloud-based passkey manager like iCloud, Google Password Manager, or Microsoft Cloud, or 1Password to ensure you have cross-device accessibility to your Moneda account and passkey.
Avoid bulk clean ups of passwords and passkeys.
When using Google Chrome Profile as a passkey, never check Passwords and Passkeys in the Advanced tab when clearing any browser data history.
When using a hardware device such as Yubikey, do not clear or reset your keys or you will lose access to your wallet.
Google Chrome Profile, Brave profiles, and other browser based passkeys are typically device specific. We recommend using a cloud-based passkey provider whenever possible.

Can I transfer funds to third-party bank accounts?

You can send funds to someone else’s bank account directly from Moneda.

How to do it

In the Moneda app, tap Transfer in the bottom navigation bar.
Go to the Contacts tab.
Tap Add contact and enter their details: full name, country, currency, and bank account information (IBAN/account number, plus SWIFT or routing code if required).
Once saved, select that contact to send funds to their linked bank account.

Where should I store my passkey?

We recommend using iCloud Keychain on Apple devices or Google Password Manager on Android and Chrome for the best cross-device compatibility. We also recommend using a general password manager like 1Password to store the passkeys. These services ensure that your passkeys are encrypted and synchronized across your trusted devices, making authentication easy and secure.

Can I receive funds to from third-party bank accounts?

You can receive funds to someone else’s bank account directly on Moneda. You just need to share the details of your virtual EUR or USD account that are accessible from Home > … > Bank Details.

What are passkeys?

Passkeys are a new secure and phishing-resistant authentication method that replace traditional passwords. They are cryptographic keys stored on your device or password manager, enabling seamless and secure logins without the need to remember complex passwords. Passkeys work with biometric authentication (like Face ID or fingerprint scanning) or a device PIN to verify your identity.

Can I cancel or change a bank transfer after I’ve confirmed it?

No. Once a bank transfer has been sent, it can’t be changed, cancelled or reversed by Moneda. Transfers are processed directly by your bank or our partner.

Pay-Ins

If you’ve already confirmed the payment in your banking app, only your bank may be able to recall or cancel it (depending on their policy and timing). Moneda cannot reverse inbound transfers that have already been processed.
If you’ve entered the wrong amount or recipient, contact your bank immediately.

Pay-Outs

Once a withdrawal or transfer to a third-party is confirmed in the Moneda app, it’s automatically sent for processing. Moneda cannot modify or stop a withdrawal once it’s been submitted.
In case you made a mistake, reach out to the beneficiary so that they can transfer your funds back.

Is Moneda safe to use?

Yes, Moneda is designed with security as our top priority. We employ industry-leading practices and technologies to ensure your assets and personal data are protected at all times. Here’s how Moneda keeps you safe:

Blockchain Security: Moneda runs on the Base Network. This means your transactions benefit from Ethereum's robust security infrastructure while maintaining high efficiency.‍
Data Protection: All identifiable user data is encrypted at REST, ensuring it remains private and secure from unauthorised access.‍
Passkeys: To strengthen account security, Moneda supports passkeys, an advanced authentication method that replaces traditional passwords with cryptographic keys. This approach offers greater protection against phishing and unauthorised access while ensuring a seamless login experience.‍
Regulatory Compliance: Moneda adheres to strict regulatory standards in Europe, including GDPR and Travel Rule, to safeguard your privacy and ensure transparency in how your data is handled.‍
Continuous Monitoring: Our systems are continuously monitored for suspicious activities or vulnerabilities, allowing us to respond proactively to potential threats.