Moneda vs Fluidkey
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Moneda
This app uses AI to research stocks, ETFs, and crypto, providing data-backed insights and investment opportunities. It allows users to ask questions about specific companies or their portfolios and invest directly within the app, while maintaining self-custody of funds.
- AI-powered financial research
- Ask questions in plain language
- Source verification for all data
- Portfolio analysis and tracking
- In-app investing for stocks, ETFs, crypto
- Self-custodial account management
- Connect with other AI tools
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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/
Fluidkey
Manage and grow your digital assets globally with this self-custodial platform. It offers access to hundreds of assets, seamless international money transfers, and enhanced privacy through stealth addresses. Your funds are always under your control, even without the app.
- Put assets to work
- Access global assets
- Move funds globally
- Enhanced privacy
- Self-custodial control
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Fluidkey, the home for your digital assets. Trusted by 30,000+ people moving over $1b worldwide. Why people pick Fluidkey: - Put your assets to work - your balance can start working for you the moment funds arrive. No lock-ups, nothing to set up. - Access global assets - hold and manage 100s of assets, all in one place. - Move funds globally - send and receive across borders in just a few taps. - Better privacy - every incoming payment lands in a fresh stealth address, so your financial life stays yours. - You're in control - Fluidkey is self-custodial, only you control your funds and can recover them at any time, even without Fluidkey.
Screenshots
Verdict
The clearest difference is review sentiment: Fluidkey at 100% against Moneda's 0%. Fluidkey also leads on rating (3.7 vs 1.0) and in-app purchases (none vs 8). On price, update cadence, ads and device support there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Moneda sells 8 in-app purchases, starting at $12.99 per month. Fluidkey asks for nothing beyond the download.
Fluidkey holds the better App Store score, 3.7 against 1.0. Both are backed by a comparable volume of ratings — 1 and 3 respectively. Written reviews point the same way: 0% of Moneda's written reviews are positive against 100% of Fluidkey's.
Moneda ships an update weekly, Fluidkey fortnightly. The most recent releases landed on November 12, 2026 and November 8, 2026 respectively.
| Parameter | Moneda | Fluidkey |
|---|---|---|
| Price | Free | Free |
| Rating | 1.0 (1 ratings) | 3.7 (3 ratings) — better |
| Positive reviews | 0.0% of reviews | 100.0% of reviews — better |
| Number of ratings | 1 | 3 — better |
| Update frequency | Weekly — better | Fortnightly |
| Ads | No | No |
| In-app purchases | Yes | No — better |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone | iPhone, iPod — better |
| Requires iOS | 16.0 | 15.1 — better |
| Further details — not scored | ||
| Size | 167 MB | 92 MB |
| Age rating | 4+ | 12+ |
| Developer | Moneda Digital GmbH | Fluid Privacy SA |
Customer experience
Moneda
Fluidkey
In-app purchases
Moneda
- Moneda Premium$12.991 Month
- Moneda Ultra$24.991 Month
- Moneda Premium$129.991 Year
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- Moneda Ultra$249.991 Year
- AI credits, small pack$4.99
- AI credits, medium pack$9.99
- AI credits, large pack$24.99
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- AI credits, extra large pack$49.99
Fluidkey
No in-app purchases









