Moneda vs SmashPay

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.

SmashPay is a financial technology platform that enables fast, secure, and seamless global payments. Send and receive money internationally, manage multi-currency balances, and access modern payment infrastructure built for individuals and businesses. Key Features: • Global money transfers across multiple countries • Multi-currency accounts with real-time foreign exchange • Payment processing and payout capabilities • Secure account management and transaction monitoring SmashPay operates as a registered Money Services Business (MSB) in the United States and complies with applicable financial regulations, including anti-money laundering and sanctions requirements. Certain features, including digital asset-enabled transactions, may be provided through regulated partners and are subject to jurisdictional availability.