what's moneda?

Moneda is a neofinance platform designed to redefine financial interactions in an AI-native and self-custodial environment. It aims to provide intelligent, global financial services that empower users with full control over their assets, blending traditional fintech with decentralized principles. The platform focuses on seamless, user-centric experiences for managing money across borders, leveraging AI for enhanced decision-making and automation. At its core, Moneda operates as a hybrid neobank alternative, emphasizing security through self-custody mechanisms typical of blockchain technologies. This allows users to retain ownership of their digital assets without relying on centralized intermediaries, reducing risks associated with traditional banking. The platform integrates tools for everyday financial tasks, such as payments, savings, and investments, all tailored for a borderless, tech-forward world. Moneda's development prioritizes community involvement from the early stages, with beta testing and waitlists to gather feedback and refine features. It positions itself at the intersection of AI, crypto, and finance, aiming to make sophisticated financial tools accessible and intuitive for a global audience.

Moneda launched Smart Accounts, offering 5.3% APY on EUR stablecoins from self-custodial accounts.