Moneda

Categories: Finance, Data Analysis, Productivity | Pricing: Freemium | Official Website ↗

Moneda is an AI-powered investing app that researches stocks, ETFs, commodities, and crypto, helps build portfolios, and tracks investments.

Moneda is a financial technology company offering an investing app powered by its proprietary Numa 1 AI engine. The AI analyzes financial filings and live market data for various assets, providing users with research and insights. It assists in portfolio construction, monitors holdings for changes, and cites sources for all its information. The platform allows users to ask questions about specific assets or their own holdings, compare stocks, and get market summaries. It also facilitates buying and selling stocks, ETFs, and crypto directly within the app. Moneda emphasizes user control, presenting AI-generated trade proposals for user approval via passkey authentication. Beyond investing, Moneda offers spending accounts, multi-currency support, and features like scheduled payments and expense tracking. It is not a bank; licensed partners provide brokerage and virtual account services. The company was founded in 2025 in Berlin, Germany, by a team with experience in crypto and traditional finance.

Key Features

AI-powered financial research (stocks, ETFs, commodities, crypto)
Portfolio building and tracking
Commission-free stock trades
Spending accounts with multi-currency support
Virtual IBAN / ACH accounts
Scheduled and recurring payments
Expense tracking and receipt scanning
Passkey sign-in for security

Pros

AI analyzes filings and live prices for comprehensive research.
Provides verifiable sources for all AI-generated answers.
Consolidates research, portfolio management, and trading in one app.
Emphasizes user control with trade proposals requiring explicit approval.
Offers a free plan with basic AI research and one commission-free trade per month.

Cons

Not a bank; funds are not covered by deposit guarantee schemes.
AI does not provide personalized investment advice.
Higher AI usage limits and commission-free trades are locked behind paid tiers.
Company founded in 2025, relatively new in the financial sector.
Projected returns are not guaranteed and past performance is not indicative of future results.

Use Cases

Researching potential stock or crypto investments
Building and monitoring a diversified investment portfolio
Comparing assets based on valuation, growth, and margins
Tracking market performance and significant daily moves
Managing personal finances with integrated spending and earning accounts

Best For

Individual investors seeking AI-assisted research
Users who want to manage investments and spending in one app
Those interested in self-custodial financial solutions
Investors who prefer to make final decisions based on AI-provided data

Platforms: Web, iOS, Android

Watch demo on YouTube ↗

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