# Moneda: AI Investing — Stocks, ETFs and crypto

> Finance app for managing stablecoins, global transfers, and earning interest. (iPhone/iPad app by Moneda Digital GmbH.)

- Source: https://appshunter.io/ios/app/moneda-ai-investing/id6741869236 (this page in markdown: same URL + `.md`)
- Developer: [Moneda Digital GmbH](https://appshunter.io/developer/1795032691)
- Category: Finance, Business
- Price: Free with in-app purchases
- Rating: 1.00/5 from 1 App Store ratings · 1 written reviews indexed
- Age rating: 4+
- Requires: iOS 16.0 · 165 MB
- Languages: American English
- Released: 2026-01-22
- Data updated: 2026-10-28
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/moneda-ai-investing/id6741869236/reviews.md

## What is Moneda?

Moneda is where AI does the research and you make the call. Ask Moneda AI, the agent, about a stock or about your own portfolio. It reads company filings and market data and shows you where every number comes from. You also get the case for and against. Once you have decided, you can invest without leaving the app.

The agent won't tell you what to buy or sell. Nothing happens until you approve it with your passkey.

Research
- Ask in plain words: "Is this company's debt a problem?" or "Why did the stock drop today?"
- A source behind every number, so you can check it yourself
- Search across company filings and earnings-call transcripts
- Earnings summaries when the companies you follow report
- A stock screener, or describe an idea and let the agent find candidates
- A daily briefing on your portfolio and the market

Your portfolio
- Build an illustrative portfolio from a goal and track it
- Import portfolios you hold elsewhere and have the agent analyse them
- See how it would have held up in past crashes, and compare it with gold or an index

Investing
- US-listed stocks and ETFs, including fractional shares
- Crypto
- Commission-free trades every month, depending on your plan
- Stocks are tokenized: you hold a token that tracks the share price, not the share itself, and no voting rights

Self-custody
Moneda is self-custodial. Your money sits in your own account and only you can move it. You sign in and approve with a passkey, using your face or fingerprint.

Use it with other AI tools
Moneda MCP connects your Moneda account to the AI tools you already use, with the permissions you set. Payments are still approved in the app.

Plans
Standard is free. Premium and Ultra add more AI usage and more commission-free trades.

Moneda AI runs on Numa 1, Moneda's financial AI model. Moneda provides information, not investment advice. Investing involves risk, and you can lose money.

Questions? Help Centre > Talk to Support, in the app.

Terms of Use: https://moneda.com/terms
Apple standard licence agreement (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

## Key features

- Spending accounts in EUR, USD, CAD
- Virtual accounts for SEPA/ACH transfers
- QR code payments
- High-yield earnings accounts
- Instant currency swaps
- Self-custodial security

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Moneda Premium | $12.99 | per month |
| Moneda Ultra | $249.99 | per year |
| Moneda Ultra | $24.99 | per month |
| Moneda Premium | $129.99 | per year |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| AI credits, small pack | $4.99 | one-time |
| AI credits, medium pack | $9.99 | one-time |
| AI credits, extra large pack | $49.99 | one-time |
| AI credits, large pack | $24.99 | one-time |


## Is Moneda safe?

Not enough ratings yet to assess Moneda.

## Is Moneda legit?

Moneda: AI Investing has limited verification signals. The AppsHunter Legitimacy Score for Moneda is 58 out of 100 points across 7 verification signals from App Store and developer data.

## Recent user reviews (1 of 1)

All indexed reviews: https://appshunter.io/ios/app/moneda-ai-investing/id6741869236/reviews.md

### 1/5 — Scam platform

*2026-09-07*

Scam platform

## Frequently asked questions about Moneda

### What currencies can I manage with Moneda?

Moneda allows you to hold spending accounts in EUR, USD, and CAD stablecoins. You can also swap between EUR, USD, CAD, and MXN within the app.

### How does Moneda ensure security?

Moneda is self-custodial, meaning you alone hold access to your funds. It operates on a secure, regulated infrastructure designed for transparency and privacy.

### Can I earn money with Moneda?

Yes, Moneda offers earnings accounts where you can grow your balance with daily compounding. These accounts aim to provide higher earnings than traditional banks, though returns vary and are not guaranteed.

### How do I top up my Moneda account?

You can open a virtual account in EUR or USD under your name to top up or make transfers via SEPA or ACH.

### Does Moneda have ads?

No, Moneda does not contain advertisements. The app is free to use without any ad interruptions.

### What is the age rating for Moneda?

Moneda has an age rating of 4+, making it suitable for a wide range of users.

### How often is Moneda updated?

The latest version of Moneda is 1.3.35, and it was last updated on August 31, 2026. This indicates a relatively active development cycle.

### What devices support Moneda?

Currently, Moneda is supported on iPhone devices.

## Version history (last 5 releases)

### 1.3.68 — 2026-10-26

• A new notification centre: your notifications are grouped, and you can reply to messages from Moneda.
• Briefings in the app now match the daily email, and you can tap into each part.
• A refreshed Daily Briefing email built around your portfolio.
• Other fixes and improvements.

### 1.3.65 — 2026-10-21

• New icons across the app.
• Fixed a stray character beside the currency selector on amount screens.
• Other fixes and improvements.

### 1.3.64 — 2026-10-20

• WalletConnect Pay links now work in every format.
• A balance statement opens with one tap.
• Cancelling your last scheduled payment also removes its permission from your account.
• The identity check no longer loops when a liveness check is requested.
• The notice that a new bank account is ready no longer repeats.
• Fixed a crash when opening some screens.
• Other fixes and improvements.

### 1.3.63 — 2026-10-18

• Adding a contact is simpler: pick a Moneda user, a bank account or a wallet. Email and country are optional.
• Scan an address to pay right away, then save the contact if you like.
• Home shows your balances first again, then banners and recent activity.
• Fast swipes between Home accounts always show the right buttons and activity.
• Buttons stay above the keyboard during sign-up and email recovery.
• Other fixes and improvements.

### 1.3.61 — 2026-10-17

• New in Settings > Privacy: "Help improve Moneda" lets you choose whether your Moneda AI conversations can be used to improve Moneda.
• Wording fixes and other improvements.

## Apps similar to Moneda

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [Due – Global USD accounts](https://appshunter.io/ios/app/due-global-usd-accounts/id6479643613) | 4.2 (5) | Free | Finance |
| [Fluidkey: Your Global Account](https://appshunter.io/ios/app/fluidkey-your-global-account/id6746163651) | 3.7 (3) | Free | Finance |
| [Nubanq: Crypto Wallet Banking](https://appshunter.io/ios/app/nubanq-crypto-wallet-banking/id6756975390) | — | Free | Finance |
| [SmashPay](https://appshunter.io/ios/app/smashpay/id6762131761) | — | Free | Finance |
| [PinkWallet: Bank Accounts](https://appshunter.io/ios/app/pinkwallet-bank-accounts/id6756553472) | 5.0 (19) | Free | Finance |
| [Altery](https://appshunter.io/ios/app/altery/id6444398013) | 3.3 (7) | Free | Finance |

---

*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-10-28.*