Most financial products force trade-offs. Banks offer usability but limit control and returns. Wallets offer control but add complexity. Access to yield usually comes with lock-ups or opaque rules. Moneda removes those trade-offs. Built on regulated stablecoins, it lets you hold, spend, and earn EUR and USD with full control. No custody risk, no lock-ups, no complexity. This launch introduces Neo Finance: self-owned money that works across borders and feels as simple as a bank without being one.