Earn More By Default. 5–10× What Banks Pay.
Savings accounts weren’t built for this era. Moneda’s Earnings Account flips the logic - no middlemen, no excuses, just real passive income.
It’s Your Money. It Should Work for You - Not Your Bank.
Earn up to 10% projected APY
Invest in EUR or USD with your Moneda Earnings Account and get higher interest than banks.
Interest accrued automatically
Interest gained from your investments automatically compound so that you don't miss out on potential earnings.
No lockups
Your funds are available for withdrawal at all times. Your earnings, on your terms.
Potential taxation benefits
Earnings from your investments might be subject to preferential tax treatment and tax-free allowances.
Your Money Could Work Harder
Projected returns on $5,000 over 10 years.
Moneda (up to 10% APY) vs traditional bank (0.7% APY)
Moneda can earn you ~142% more than a traditional bank would over 10 years.
Your Money. No Gatekeepers. No Compromises.
No more closed accounts, blocked payments, or delayed transfers. You - and only you - control your money.
Banks lend your money. They profit while you wait. Then give you a fraction back in interest - if any. Worse, they can freeze your account without warning. Moneda flips that system.
You hold the keys (self-custody)
Your funds stay in your control not ours. Only you can access, move, or authorize anything in your account.
No bank balance sheet
Moneda isn’t a bank. We don’t lend or risk your deposits, your money stays in your account, not on our books.
No approval needed to access funds
Move your money anytime, anywhere. No waiting, no gatekeepers, and no one to ask for permission.
Smarter Finance, on Your Terms (Coming soon)
Smart. Private. Yours. Unlike traditional advisors or fintechs, Moneda's AI financial assistant learns what matters to you. A personalized, self-custodial companion that grows with you.
Spending insights
Get smart insights and recommendations about your spending and saving habits.
- Personalized finance
A 24/7 assistant for you and your financial journey. Here to guide you, not control your funds.
Manage your wealth
Whether you are saving for a vacation or a house. Moneda helps you keep your goals on track.
Your money, your agency.
You can only decide to approve or not transactions or smart recommendations.
Built for Trust & Compliance
From self-custody to fraud alerts - security isn’t a feature. It’s our core value.
Passkey authentication
We use passkeys, a more modern, convenient and phishing resistant alternative to passwords.
Self-custody built for convenence
Experience a digital wallet like no other, built for your to transact effortlessly with Passkeys.
Regulated Stablecoins
We only use fully compliant, audited, MiCA-regulated stablecoins in the EU.
Built-in recovery
Add trusted contacts to help you regain access in case you lose your passkey.
Fraud/phishing alerts built-in
Smart alerts that stop scams or phishing attempts in their tracks.
Always compliant
We run sanctions checks to keep the bad guys out without you even noticing.