Payments & Transfers

Payments & Transfers help and FAQs from Moneda on your self-custody account, stablecoins, transfers, security, and AI agent.

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Can I schedule recurring or future transfers?

Yes. Scheduled transfers send a payment automatically, either once on a future date or on a repeating schedule such as every week or month. You choose the recipient, amount, currency, and timing, and Moneda sends it for you. You can view, pause, edit, or cancel a scheduled transfer at any time, and you'll get a notification around each one. As with any transfer, the money leaves your own self-custodial wallet.

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How do I send money to someone?

You can send money a few ways. To pay another Moneda user, find them by username or pick them from your contacts, enter an amount, and confirm with your transaction passkey. To send to an outside wallet, add the wallet address or choose a saved one and send it the same way. To pay out to a bank account, use a bank transfer from your virtual account (see Virtual Accounts). You choose the currency, and the amount leaves your own self-custodial wallet only once you approve it.

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How do I add and manage contacts?

Contacts save the people and accounts you pay so you don't re-enter their details every time. You can add another Moneda user by their username, an external wallet by its address, or a bank account by its details. Once saved, a contact appears when you send money so you can pick them in a tap, and you can edit or remove one whenever you like. Payment contacts are separate from Recovery Contacts, which are only used to recover your account.

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Can I convert between currencies, like US Dollars to Euros?

Yes. You can convert your balance between the currencies Moneda supports, such as US Dollars, Euros, Swiss Francs, and Canadian Dollars. Pick the currency you have and the one you want, and Moneda shows the amount you'll receive before you confirm. A foreign-exchange fee applies and is reflected in the rate you see; the exact fee depends on your plan. The converted balance stays in your own self-custodial wallet.

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Can I pay and track bills?

Yes. You can upload a bill or invoice and Moneda reads its details, like the amount, due date, and who it's from. Your bills sit in one place so you can see what's due, then pay one straight from your balance when you're ready. Paying still needs your approval with your transaction passkey.

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