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Hello, How Can We Help?

We’re growing fast and hiring carefully. If you’re curious, mission-driven, and ready to shape a new category in global finance, you’ll feel at home here.

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.

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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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.

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.