Moneda

Self-custody has always carried an uncomfortable trade-off. You hold the keys, so nobody can freeze your account or move your money without you. It also means a lost device can mean a lost account, and for most people that risk has outweighed the benefit. It is the single biggest reason self-custody stayed niche. Recovery is where that trade-off gets resolved. Moneda accounts now support a recovery email. You add it once and verify it. If your device is lost, you generate a new passkey and your recovery email authorises it, on-chain, through your own account. A safety delay applies before it takes effect, so a request you did not make can be cancelled. Recovery Contacts remain available for anyone who would rather have a trusted person in that role. Moneda does not hold your keys and cannot restore them for you. That is the design, not a limitation. What we can do is make sure the responsibility does not rest on one device. Ownership. Without the homework.

89 minutes in. 1–1. Then the screen goes black. Not the match. Your living room. Because an autopay lapsed and the electricity bill went unpaid. The worst kind of own goal, the kind you scored on yourself. We built Scheduled Payments so it never happens again. Starting today, you can automate your recurring money on Moneda: 🏠 Rent 💡 Bills 📺 Subscriptions 💸 Allowances 📈 Recurring deposits into Earnings, to grow your savings on autopilot Set it once. Never think about it again. Here's what makes it different from the "set and forget" you're used to: You never hand over your keys. 🔒 With traditional autopay, you're giving a company standing permission to pull from your account. With Moneda, you approve once with your passkey, and every payment after that runs within limits enforced directly on-chain. That means each scheduled payment is: ✅ Capped at an amount you set ✅ Locked to a single recipient ✅ Automatically executed, on time, in the background ✅ Cancellable anytime Not even we can move, touch, or redirect your money. You stay in full control — that's the whole point of self-custody. Automation you can trust shouldn't require giving up ownership of your funds. Now it doesn't. So put the boring stuff on autopilot, and enjoy the game. ⚽️ 👉 Scheduled Payments are live in the Moneda app today. #Fintech #Stablecoins #SelfCustody #CryptoPayments #RecurringPayments #PersonalFinance #PaymentsInnovation

Do it before it's too late. 🫵 Losing access to your crypto wallet is a solved problem. The industry just hasn't shipped the fix to consumers. Every self-custody wallet gives you the same choice: write down 12 words and never lose them, or trust a company not to disappear. Both are bad. One puts the risk on you. The other puts it on someone else. Recovery contacts fix this. You pick up to 3 people you trust. If you lose your phone or passkey, one of them approves your new device by signing on their side. They can never spend your money on their own. The wallet stays self-custodial, you just stop being a single point of failure. If you use Moneda, open Settings → Security → Recovery and add at least one. Takes 90 seconds. It's the difference between "I lost my phone" and "I lost all my money."

Happy Canada Day! 🇨🇦 As more of the global financial system moves on-chain, it’s important that people and businesses everywhere have access to a trusted Canadian-dollar option. Today, we’re pleased to announce that CADD is now available on Moneda. Users can buy, sell, and swap CADD with USDC and EURC. We’re excited to partner with the Moneda team as we continue growing the CADD ecosystem!

Happy Canada Day! 🇨🇦 Today we're proud to welcome the Canadian Dollar to Moneda. As more of the global financial system moves on-chain, people and businesses deserve trusted infrastructure in their own currency. CADD brings a native Canadian stablecoin to Moneda, and our users can now buy, sell, and swap it directly against USDC and EURC. For anyone moving value between Canada, the US, and Europe, that means fewer conversion steps and less FX friction Thank you to the CADD team for partnering with us. Excited for this collaboration Tetra Digital Group 🤝 Bonne fête du Canada! 🇨🇦 Aujourd'hui, nous sommes fiers d'accueillir le dollar canadien sur Moneda. À mesure que le système financier mondial migre sur la blockchain, les particuliers et les entreprises méritent une infrastructure de confiance dans leur propre devise. CADD apporte un stablecoin canadien natif à Moneda, et nos utilisateurs peuvent désormais l'acheter, le vendre et l'échanger directement contre l'USDC et l'EURC. Pour quiconque transfère de la valeur entre le Canada, les États-Unis et l'Europe, cela signifie moins d'étapes de conversion et moins de friction de change. Merci à l'équipe CADD pour ce partenariat. Ravis de cette collaboration Tetra Digital Group 🤝

Happy Canada Day! 🇨🇦 As more of the global financial system moves on-chain, it’s important that people and businesses everywhere have access to a trusted Canadian-dollar option. Today, we’re pleased to announce that CADD is now available on Moneda. Users can buy, sell, and swap CADD with USDC and EURC. We’re excited to partner with the Moneda team as we continue growing the CADD ecosystem!

150 days ago, Moneda went live. Holding your own money shouldn't take a seed phrase, a 42-character address, or nerves of steel. So it doesn't. Dollars and euros, in your name, held by you, no bank in the middle. What's next is the part we've been most excited to build. Stay tuned!

You don't hold the money in your bank. The bank does. When your balance sits with a bank or an exchange, what you own is a claim on an institution, and you trust it to honour that claim. Usually it does. Sometimes, as a few well-known collapses reminded everyone, it doesn't. Self-custody is the other option. You hold your money directly, and nobody else can move or freeze it. For years that came with a hard catch: the seed phrase. One lost piece of paper and the money was gone for good. That has changed. Our latest Moneda Explains piece sets out what self-custody actually is, and how it now works without a seed phrase. It is also honest about the limits, what self-custody protects you from and what it doesn't. The honest trade is control for responsibility. Curious where people land on that.

Payment references are now live on Moneda. For most payment apps, paying a person and paying a company are treated as the same thing. They are not. A person just needs the money to arrive, but a company needs to know who sent it and what it was for, or the payment lands with no name attached and no way to reconcile it. For this reason, we chose to add payment references: a small addition that makes paying a company as straightforward as paying a person. You can attach the reference a recipient asks for, so a transfer carries the information a business needs to match it to you. An invoice can be paid and reconciled cleanly. A company that accepts a bank transfer can be paid directly. The account you use to send money to a friend now works for the businesses in your life too. We tend to build this way. Each release removes a real limit rather than adding noise, so Moneda becomes an account you can run your money from, not just another app to keep money in.