Moneda
No Banks. No Borders. Just Better Money.
Moneda launched on January 28, 2026 with 9 votes, #1,189 of 14,584 launches that month and more than 90% of that year's launches.
What it does
Most financial products force trade-offs. Banks offer usability but limit control and returns. Wallets offer control but add complexity. Access to yield usually comes with lock-ups or opaque rules. Moneda removes those trade-offs. Built on regulated stablecoins, it lets you hold, spend, and earn EUR and USD with full control. No custody risk, no lock-ups, no complexity. This launch introduces Neo Finance: self-owned money that works across borders and feels as simple as a bank without being one.
Open a self-custody USDC and EURC account. Earn yield on your stablecoins, send via SEPA and ACH, and manage your money with AI. No bank required.
Hold euros or dollars. Earn yield while you sleep. Spend globally. Fully under your control. All built on regulated Stablecoins. 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 authorise 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. "I discovered Moneda at an event and was impressed by how effortless it feels, knowing my money is actually mine. The self-custodial setup gave me peace of mind I never had with…from moneda.com
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