One account for everything you do with money.
Moneva is a self-custodial neobank on stablecoin rails. Save, spend, send, and invest in seconds, anywhere in the world, from a single app you alone control. No bank in the middle, no seed phrase, no chains to think about.
Global earners have no real global account.
Two billion people now earn and live across borders, as freelancers, remote workers, expats, and the under-banked who have no real bank access. Their money tools are still stuck inside one country, and the gap is expensive.
Six apps to do one job
A bank account that won't open, an exchange, a wallet, a remittance app, and a spreadsheet, stitched together by hand. Money is global; the account is not.
Slow, costly, exclusionary
Remittances still average well above the UN's 3% target and take days. FX spreads bleed value. Banks reject expats and freelancers outright, and hundreds of millions have no bank at all.
Powerful, but unusable
Stablecoins solved settlement, but seed phrases, gas, and ten chains keep self-custody out of reach for everyday money. The UX never crossed over.
Why this is possible now.
The rails, the regulation, and the UX all arrived at the same time. Moneva is built for the moment stablecoins stop being a crypto product and start being money.
Stablecoins became payment infrastructure
Trillions settled on-chain in 2025. Stripe paid ~$1.1B for a stablecoin-payments company; Visa, PayPal and others are shipping stablecoin products. Settlement is solved.
Self-custody got usable
Passkeys + ERC-4337 smart accounts mean Apple/Google sign-in, no seed phrase, gas abstraction, spending limits, and social recovery. The seed-phrase era is over.
Emerging markets already live on stablecoins
Argentina and Nigeria rank among the top crypto-adoption markets globally, driven by inflation, remittances and the unbanked, not trading. The demand is here, today.
Crypto is moving to everyday finance
The speculation cycle is maturing into utility. The next consumer winner is a financial operating system, not another wallet or exchange.
One self-custodial account for your whole financial life.
It looks like the bank app you already know, works on the open financial internet, and you always hold your own funds, whether you have a bank or not.
Get paid like a local
Personal USD, EUR, GBP, and Naira account details in minutes.
Money home in minutes
Send to any bank in 100+ countries, settled in minutes.
Scan to pay locally
Scan to pay across Latin America, settled in stablecoins.
Trade from your wallet
Trade calls and puts on-chain, straight from your wallet.
Go long or short, with leverage
Trade perpetual futures on-chain, straight from your self-custodial wallet.
No seed phrase, ever
Sign in with a passkey, no password. Your funds stay self-custodial.
Get paid like a local
USD, EUR, GBP and Naira account details in minutes.
One balance, every chain
Self-custodial smart account. No seed phrase, no chain-switching.
Move money anywhere
Payout to 100+ countries by bank, wallet or cash, plus local QR pay.
Put idle money to work
Built-in yield with no lockups; on-chain options & perps.
Verifiable financial identity
One @tag; cryptographically signed statements.
Live today on iOS & Android.
Not a roadmap. The launch feature set is already in users' hands. Every surface runs on the same self-custodial account.
Multi-currency accounts
Personal USD, EUR, GBP and Naira details to receive salary or payments like a local.
Remittances
Send to any bank in 100+ countries, settled in about ten minutes, near mid-market FX.
QR Pay
Scan to pay locally across Latin America, settled instantly in stablecoins.
Unified wallet
Your whole balance across every chain on one screen, no bridging in your head.
Moneva @tag
One tag linked to all your addresses. Pay a tag, not a 42-character string.
Verifiable statements
PDF/CSV/HTML exports, SHA-256 hashed and dual-signed EIP-712. Anyone can verify authenticity, for rent, visas, and proof of funds.
Options crypto-native
Trade on-chain options, calls and puts, straight from your self-custodial wallet.
Perps crypto-native
Trade perpetual futures with leverage, on-chain from your self-custodial wallet.
Transparent transfers
Every conversion, network and payout fee shown live before you send. No hidden spread, ever.
Your bank quietly keeps more.
Send the same dollars to the same country and watch how much lands. Moneva delivers near mid-market FX in about ten minutes, while staying transparent on the margin.
One app, end to end.
Sofia, an Argentine freelancer, gets paid by a US client and runs her whole month inside Moneva, without ever touching a bank or a seed phrase. Hover any step to trace the flow.
Get paid $2,000
US client pays her USD account details.
receiveHeld in USDC
Lands self-custodial in her smart account.
on-chainScan-to-pay groceries
QR Pay, settled in ARS instantly.
qr paySend $300 home
Bank, wallet or cash payout, arrives in ~10 minutes.
remitIdle balance earns
The rest auto-earns yield, no lockup.
earnExport verified statement
Signed proof of funds for her landlord.
proveBuilt and ready to launch.
The full product is live on iOS TestFlight and Android beta, and the hard integrations are done. We are pre-launch on metrics, so we show what is shipped, what is building, and the rails and founder behind it, not vanity numbers.
The full app is live
Every launch feature, multi-currency accounts, remittances, QR Pay, options and perps, working end to end on iOS TestFlight and Android beta today.
Mainnet hardening
Final integration testing on mainnet, security review, and store submission, ahead of the public launch.
Public beta launch
The public beta opens to our waitlist on the app stores, with the first live corridors, the moment this round closes.
Hard integrations shipped
Licensed fiat on/off-ramp & KYC rails, a leading perps venue, and cross-chain routing, all integrated. The hard BD is done.
Shipped, raised, on the ground
Ex-Parifi DeFi perps protocol, arXiv whitepaper, ETHDenver speaker, multiple ecosystem grants. Living in the wedge market.
Built in the open
Working app on iOS TestFlight and Android beta, public landing & live FX comparison, transparent fees. We welcome diligence.
A wedge into a multi-trillion-dollar flow.
We start narrow and deep, then expand the account outward. Sizing is bottom-up and directional, not a "1% of a huge number" claim.
Global cross-border payments move trillions a year with a fat fee pool; stablecoin settlement is taking growing share.
Freelancers, remote workers, expats, stablecoin users, and under-banked populations who can hold dollars for the first time, all of whom feel the pain and will adopt today.
Bottom-up from real Argentina and Nigeria adoption and per-active-user revenue.
Land in Argentina. Expand by corridor.
Founder on the ground in Buenos Aires. Start where the pain is sharpest and users already get it, then add corridors, currencies and payment methods.
Argentine freelancer
- Earns USD/USDC, spends in pesos
- Wants out of a collapsing local currency
- Already comfortable with stablecoins
Nigerian remote worker
- Paid internationally, needs Naira payout
- Faster, cheaper cross-border settlement
- Uses crypto workarounds today
DeFi-native global user
- Assets across many chains
- Wants neobank UX without giving up custody
- Account details, yield, trading in one app
Under-banked / no-bank user
- No traditional bank account, or rejected by one
- Needs to hold and move dollars from a phone
- Onboards with a passkey, no branch, no paperwork
How the account makes money.
Every Moneva account is a brokerage on stablecoin rails: the same balance routes payouts, swaps, trades and yield, so one funded user monetizes four ways off a single deposit, not just when they cash out. No monthly fee, no token, no card needed.
On/off-ramp & global payout
Markup on top of the licensed ramp partner's cost when users move stablecoin ↔ fiat or remit to 100+ corridors. ~0.4–1.2% net after the provider floor.
FX / swap spread
Integrator fee on every in-app or cross-chain swap, taken on-chain at execution, the same hook major wallets and aggregators already run. Scales with rebalancing frequency.
Remittance corridor margin
Net margin per corridor after partner cost, delivered near mid-market. We beat banks by up to ~25% in live data while still keeping a thin transparent spread.
Trading builder fee · high margin
Builder fee on every perp fill routed from the account (venue cap ~10 bps), plus 2–10 bps on options premium. Pure routing rake on notional, paid by the trade.
Earn / yield spread
Spread between leading lending protocols' raw stablecoin APY (~3.3%) and the displayed rate, plus partner share on routed TVL. Recurring, balance-based, the closest thing to a deposit NIM.
The shape of it
Trading, swap and yield lines are near-pure software rake; ramp is thinner. A single active crypto-native user reaches ~$155 ARPU without a card, ~3.4× the $45 neobank median.
Not another wallet. Not another neobank.
Every category solves one column; only Moneva wins the whole row. It stays self-custodial yet works globally from day one by riding its licensed PSP network's coverage, not a banking license of its own, with local and global accounts, on-chain yield, options and perps, and statements anyone can verify.
| Category | Self- custodial |
Open globally |
Accounts + payout |
Local QR pay |
Yield + swaps |
Options + perps |
Verifiable statements |
|---|---|---|---|---|---|---|---|
Neobanks    |
~ | ~ | ~ | ✓ | |||
Crypto wallets   |
✓ | ✓ | ✓ | ||||
Exchanges   |
~ | ~ | ✓ | ~ | |||
Remittance apps   |
~ | ||||||
Stablecoin apps    |
~ | ~ | ~ | ~ | ✓ | ||
Moneva |
✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
Why it compounds.
The moat is not "we use stablecoins". It is the combination that gets harder to copy and more valuable the more it is used.
Self-custody = structural edge
No custody risk, no insolvency exposure for users; a regulatory advantage custodial neobanks can't match.
@tag identity graph
One tag links addresses, history and reputation, peer-to-peer network effects across borders.
Verifiable statements
Signed proof of funds becomes useful for rent, visas, tax and credit, a sleeper hit for nomads and freelancers.
Corridor routing intelligence
Pricing, reliability and local coverage improve with volume, a data flywheel per corridor.
Compliance + partner network
Fiat rails, KYC and payouts are operationally hard to assemble and maintain.
Habit loop → credit data
Receive→hold→spend→send→save repeats daily; with consent, the data powers future lending and underwriting.
Self-custodial by design. Compliant by partner.
Moneva is a self-custodial software application, not a bank and not a deposit-taking institution. The regulated surface runs through licensed partners.
Software, not custodian
Users control funds through passkey-secured smart accounts. Moneva never holds keys, never commingles, never takes deposits. No FTX-style failure mode.
Regulated work, licensed partners
Account details, KYC/AML, on/off-ramp and payouts run through licensed banking, payout and KYC partners. Partners carry the regulatory weight; Moneva orchestrates.
Tiered, screened, geo-fenced
KYC-tiered limits, sanctions and transaction monitoring. Perps/options and yield are geo-fenced and risk-disclosed; legal memo and audits in progress.
What this round buys.
The product is built and live on iOS TestFlight and Android beta, so this is not "build the app" money. It funds public launch, corridor activation, and the unit economics that get Moneva to a seed round. Milestone-driven, not calendar-bound: each one unlocks the next.
Public launch
- Public iOS launch and Android beta
- USD/EUR/GBP/Naira pay-in details and payout to 100+ countries
- First funded-account cohorts in Argentina and Nigeria
- Independent security audit and compliance memo
Light up corridors
- 2 to 3 priority corridors, pay-in and payout both ways
- QR Pay live in priority LatAm markets
- Referral and Moneva Points loop active
- Real-world verified statements at scale
Prove the economics
- Funded, KYC-verified active users and MAU, off the launch-cohort baseline
- Monthly settled volume across pay-in, remittance and QR Pay
- Positive contribution margin on core flows
- Retention cohorts that hold, then seed raise
The ask.
Backing a technical founder who has shipped on-chain financial infrastructure, operated inside banking and fintech, raised capital, and lives in the wedge market.
Chester Bella
- Ex-N26, banking operations; Product Owner at Europace, real bank and fintech experience
- Ex-Parifi, built a DeFi perpetual-futures protocol; raised ~$267K via community LBP, arXiv whitepaper
- ETHDenver speaker; multiple ecosystem grants
- Hands-on founder, building Moneva end-to-end with a remote-first team