Moneda is a self custodial Neo Finance platform built to close the gap between how people want money to work and how traditional banking still operates. By combining bank-like usability with regulated stablecoin infrastructure, Moneda enables users to hold, move, spend, and earn on USD and EUR balances without relying on banks, borders, or hidden complexity.
Moneda has integrated MoonPay Virtual Accounts, powered by Iron, giving users a more reliable way to on-ramp and off-ramp USD and EUR directly inside the Moneda experience. With dedicated virtual accounts, users can move between fiat and stablecoins through clear, familiar rails while staying in control of their funds.
“People want the convenience of modern banking with the control and programmability of crypto,” said Max von Wallenberg-Pachaly, CEO of Iron. “By bringing Virtual Accounts to Moneda, we’re making USD and EUR money movement feel native, so users can fund, hold, and withdraw value through stablecoin rails without giving up self custody.”
“Most people don’t realise that when you send money internationally through traditional finance, you’re navigating a maze of intermediaries, opaque fees, and artificial delays,” said Federico Kunze Küllmer, CEO & Founder of Moneda. “Through our partnership with MoonPay’s Iron infrastructure, Moneda users across 170+ countries can now open EUR and USD accounts under their name and move money on their terms; instantly, transparently, and without surrendering custody. This is what Neo Finance looks like: the clarity and control of on-chain infrastructure with the usability people expect from modern banking.”
A Dedicated Account for Every User
MoonPay Virtual Accounts are built for fintech apps and wallets that want a bank grade funding experience without recreating traditional bank dependency. With this integration, each Moneda user can receive a dedicated virtual account linked to their identity, making it easier to deposit and withdraw fiat using stable, consistent account details.
This improves the core moments that matter most:
- Simpler USD and EUR deposits, directly from a bank transfer into their Moneda account
- A smoother bridge between fiat and stablecoins, designed for day to day usability
- Send funds to external banks via SEPA or ACH rails in the European Union and the US
- Open virtual European IBAN and US dollar accounts for international payments
Bank-like Utility, Built on Stablecoins
Moneda is designed for users who want global money movement with familiar denominations. With stablecoin based USD and EUR accounts, users can keep value in currencies they recognize while benefiting from crypto native rails that make transfers faster and more global.
With Virtual Accounts, Moneda can deliver:
- Self custody and control, where users own their funds, not a bank
- Global transfers, using stablecoin rails for cross border speed
- Yield on balances, helping users earn on idle funds while maintaining flexibility
What’s Next
MoonPay and Moneda will continue working together to expand fiat to stablecoin connectivity across Moneda’s product suite, with Virtual Accounts as the foundation for more seamless USD and EUR money movement. As Moneda scales its neo finance offering, Iron, a MoonPay company will keep providing the account based infrastructure that helps stablecoin powered financial services feel as simple and dependable as the best digital banking apps.