Moneda

Moving fiat into stablecoins usually costs you. With Moneda it doesn't. Deposit euros or dollars by bank transfer, hold the same amount as EURC or USDC. One to one. No conversion fee, no fees in, no fees out.

Euro accounts were for people in Europe. US Dollar accounts were for people in the States. Now you can hold and earn on both, without a bank in either country. This is Neo Finance Download the app today. Open an account in over 170 countries. Earnings rates are variable and vary by currency. https://lnkd.in/dbQMPfxA

A vulnerability in Zodiac's Modifier stack let an attacker drain card-linked Safes last week, without touching a single private key. We build on Safe. So our team reverse-engineered the exploit, documented the root cause and the fix, and published it for every team building on the Safe ecosystem. Stronger shared infrastructure is how self-custody earns trust. Full technical breakdown on the Mint: https://lnkd.in/dAZn5-72 Special thanks to @zodiaceco and @safe team members for reviewing this article.

The day you take your money out of a bank is the day you lose the reset button. There's no "forgot password?" link on a self-custodial account, because there's no support team holding a copy of your credentials. The credential is the account. Lose it and the wallet goes with it. This is the part of self-custody most people don't think about when they're sold the upside. The headline is "you own your money." The fine print is "you also own the security of it, by yourself, forever." Which is why the authentication choice in any self-custodial product matters more than almost anything else about it. A password is fine when there's a bank standing behind you ready to reverse a stolen transaction. Take the bank away, and the password becomes a disaster. We use passkeys at Moneda for a simple reason: they're the only authentication mechanism strong enough to be the only line of defence. We've just published a piece on The Mint walking through how passkeys actually work, and what makes them different from both passwords and crypto wallet seed phrases. It also covers practical questions: what to do when you switch from Apple to Android, and how our social recovery layer catches the cases where things really do go wrong. If you build, invest in, or just use self-custodial products, the authentication model is the security model. Worth understanding before the moment you wish you had.

You asked, we listened. Dark mode is here. ✦

We just published a new piece on The Mint 🪙 Our founder Federico Kunze Küllmer on why the agentic payments industry has a fundamental problem nobody is talking about. AI agents are about to mediate $3 to $5 trillion in commerce. The default approach is to give them private keys. This means giving them your money, not just access to it. Delegation and custody are not the same thing. The piece explains why that distinction matters, what the wrong architecture looks like, and what a better one requires. Read it here: https://lnkd.in/d8tE8B_N

Last week, we launched Apple Pay top-ups on Moneda for US users. On the surface: tap to fund your account, done. But the reason it matters goes further than convenience. Stablecoins let you hold and move money without a bank. No intermediary. No one who can freeze your account or charge you to access your own funds. The technology has been ready for years. The problem has always been the front door; every extra step between a person and their money is a reason to walk away. A moment of friction that turns "I'll try this" into "I'll do it later." For the people who would benefit most from this, those moments compound into a wall. Apple Pay removes one of them.

We expanded EUR virtual accounts access on Moneda to 117 new countries, bringing our total reach to 174. That number matters more than it might appear. SEPA, the European payments infrastructure that makes EUR transfers fast and cheap, was built for Europe. Accessing it from outside the continent has historically meant navigating bank relationships, European address requirements, or costly correspondent banking chains. With Moneda, users outside Europe can hold EUR in a Named account (their own name, their own IBAN) and receive SEPA payments. No European address. No legacy banking relationship. No intermediary taking a big cut. The map tells the story better than any list could. Neo Finance was never meant to be a European product. It was always meant to be a global one. #NeoFinance #Fintech #SEPA #GlobalPayments #Stablecoins

Your money moves with you. That sounds obvious, but it isn't true in most cases. Your money sits in a bank's ledger, governed by their rules, their hours, their borders. You move freely, your finances don't. We built Moneda around a different principle: self-custody. Your funds stay in your own wallet, secured by your own keys, accessible wherever you are. No intermediary standing between you and your money. No waiting for someone else to approve a transfer that's already yours. That's what Neo Finance means. Not a better bank, a better model.