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About Moneda
Moneda is a self-custodial stablecoin app supporting USDC and EURC on the Base network. Users hold their own private keys, and Moneda never holds user funds. Its services include virtual EUR and USD accounts that can receive bank transfers via SEPA or ACH, stablecoin transfers and payments, a card for global spending, and the ability to deposit stablecoins into DeFi lending protocols (such as Morpho) to earn yield that compounds automatically and can be withdrawn anytime.
The core competitive edge lies in self-custody and user control, avoiding the risk of frozen bank accounts, while using regulated stablecoins (MiCA-compliant).
The market pain points addressed include low bank interest rates, potential account freezes, and slow transfers. Moneda solves these through self-custody and stablecoins.
In the past six months (2026-03-04 to 2026-09-04), Moneda has not disclosed specific development data or major events; no reliable public information is available.
Major progress (Mar–Sep 2026):
• v0.3.0 (Mar): Enriched tools with balance trend sparklines, APY for earnings accounts, spending category breakdowns (23 categories), period-over-period comparisons, and security hardening (CSP frame-ancestors, X-Frame-Options, HSTS).
• v0.4.0 (May): Spending analytics suite (by type, category, contact, merchant, daily series, comparisons, transaction drill-down), earnings time series per vault, and recovery email management with anonymized guardian addresses.
• Payment references (Jun): Support for attaching invoice numbers or account codes to bank transfers, enabling direct B2B payments and clean reconciliation.
• QR code payments: Scan European Payment Council QR codes (IBAN-based) to pre-fill transfers or save contacts; display personal QR for receiving funds. Non-Base addresses rejected, IBANs validated.
• Brand evolution: Repositioning as "autonomous custody stablecoin bank" with virtual IBANs (SEPA) and ACH for US users, emphasizing regulated stablecoins (EURC, USDC) and self-custody.
Future roadmap:
• Scheduled payments with on-chain sessions (smart sessions): recurring transfers via passkey-authorized sessions with per-payment limits, recipient pinning, expiry, auto-pause on failures, and balance warnings.
• AI integration via MCP server (launched Feb 2026) for natural-language account management, expanding tool coverage.
• Continued expansion of fiat on/off ramps and stablecoin support across jurisdictions.
Federico Kunze Küllmer (Co-Founder & CEO): Previously core developer at Tendermint/Cosmos, co-founder of Evmos (EVM on Cosmos) and Sommelier Protocol. Founded Moneda in 2024 to build self-custody stablecoin banking.
Alexander Hoeptner (Co-Founder): Former CEO of BitMEX (2020-2022), ex-Deutsche Börse and STOXX. Brings deep traditional finance and crypto exchange leadership to Moneda's regulated stablecoin infrastructure.