Moneda vs Doux

Your money. Truly yours. Moneda is a new kind of finance app that combines the clarity of traditional banking with the freedom of stablecoins. Manage EUR and USD accounts, earn in regulated stablecoins, and move money across currencies, all while staying in full control of your funds. Key Features: - Spending Accounts in EUR, USD and CAD Hold euro (EUR) and US and Canadian dollar (USD & CAD) stablecoins. Manage and monitor your balances in a secure, intuitive interface. - EUR and USD Virtual Accounts Open a virtual account under your name in EUR or USD to top up or make transfers via SEPA or ACH. - QR Payments Pay other users and save them to your contacts by scanning their QR code on Moneda. - Earnings Accounts Grow your balance with daily compounding and higher earnings than traditional banks. (*Returns vary over time and are not guaranteed.*) - Currency Swaps Made Simple Instantly swap between EUR, USD, CAD or MXN within the app. No hidden markups or opaque conversion fees. - Built for Global Users Borderless finance designed for modern professionals, remote workers, and anyone living or earning internationally. - Security and Self-Custody You stay in control. Moneda is self-custodial, meaning you alone hold access to your funds. Our secure, regulated infrastructure ensures transparency, privacy, and peace of mind. Moneda is finance beyond banks. It empowers you to earn, save, and move money globally with full transparency and control. No middlemen, no hidden fees, no complexity. Just your money, working on your terms.

Doux is a modern financial app that brings crypto and fiat together in one simple account for people who earn, move, and spend money across borders. Receive funds, convert automatically, spend globally, and withdraw locally without juggling platforms, exchanges, or multiple banking apps. Whether you’re getting paid in crypto or fiat, receiving money locally, or spending internationally, Doux keeps everything connected and effortless. Receive Crypto & Fiat in One Account: Get paid in crypto and local currencies side by side. Doux lets you receive and manage digital assets and fiat in a single account with real-time balances and transaction history. You can: -Receive crypto and stablecoins -Receive fiat in supported local currencies -View balances and activity in real time -Manage everything from one place Automatic Crypto-to-Fiat Conversion: Spend or withdraw without manual swaps. Doux converts crypto or stablecoins automatically at the point of use using competitive, real-time rates, no trading, no pre-funding, no extra steps. No guessing. No interruptions. Your money moves when you need it to. Spend Globally with Physical & Virtual Cards Use your Doux cards anywhere Visa or Mastercard is accepted online, in-store, or across borders. Conversion happens automatically when you pay. Card features include: -Global acceptance via Visa / Mastercard -Online, in-store, and international payments -Automatic crypto-to-fiat conversion -No manual swapping required Send Money Instantly Across Borders: Send crypto or local currencies globally in seconds using a wallet address or account information. Transfers are fast, borderless, and not limited by banking hours. You can send: -Local bank transfers -Wallet-to-wallet transfers -Doux ID transfers -Cross-border payments globally What Can You Do With Doux? Doux Account A financial account for holding, converting, and moving money across currencies. Supported assets include: -Crypto: Bitcoin (BTC), Ethereum (ETH), Solana (SOL) -Stablecoins: USD-denominated stablecoins -Fiat: USD, EUR, GBP and NGN All balances live under each account. Doux Cards (Virtual & Physical): Cards that turn crypto and fiat into spendable money. Crypto & Fiat Wallets: Integrated wallets that let you receive, hold, and send crypto and fiat without switching platforms. Supported: -Crypto: BTC, ETH, SOL -Stablecoins: USD-pegged -Fiat: USD, GBP, EUR & NGN Instant Transfers Send crypto or stablecoins instantly to other Doux users or external wallets globally and in near real time. Local Withdrawals Withdraw funds directly to supported local bank accounts. Crypto and stablecoins are converted automatically before withdrawal. Supported currencies: -NGN Withdrawals are available 24/7 with transparent conversion. Built for Modern Living: Doux isn’t about complicated finance. It’s about helping money move smoothly across borders and everyday life. Spend freely. Move globally. That’s Doux. Regulatory & Risk Disclaimers: Doux is a financial technology platform. Services are provided through licensed partners where required and may vary by region. Cryptocurrencies are volatile and not bank deposits. Doux does not provide investment advice. Rates, features, assets, cards, and withdrawals are subject to market conditions and regulatory approval.