Last Updated: 2025/02/14

This agreement is between you (“you”, “your”, or “User”) and Moneda Digital GmbH (“Moneda”, “us”, “we”, “our”, or the “Company”). These Terms of Service ("Terms") govern your use of the Moneda app and its associated services (collectively, the "Service"). By accessing or using the Service, clicking a button or checkbox to accept these Terms (eg. “I agree”, “Get started”), or otherwise agreeing to these Terms electronically or in writing, you agree that you have carefully read and accepted all of the below Terms. If you disagree, you may not use the Service.

1. Overview

Moneda is a leading innovator in the decentralized finance space, leveraging blockchain technology to provide users with seamless financial tools and services. The Service includes access to an interface for managing USD and EURO stablecoins ("USD Account" and "EURO Account") and an "Earnings Account" powered by third-party services, such as the Aave protocol, for yield generation.

Moneda does not provide custodial services. All accounts and transactions are fully self-custodial, meaning users retain full control and responsibility over their assets and private keys.

2. Eligibility

To use the Service, you must:

• Not be barred from using the Service under applicable laws.
• Agree to comply with these Terms and all relevant local and international regulations governing self-custody wallets and decentralized financial services.

If you are under the age of majority in your jurisdiction of residence, you may use the Service only with the consent of or under the supervision of your parent or legal guardian.

NOTICE TO PARENTS AND GUARDIANS: By granting your minor permission to access the Service, you agree to these Terms on behalf of your minor. You are responsible for supervising your minor’s online activities. If you disagree with these Terms, do not let your minor use the Service.

3. Account and Access

3.1 Account Creation

To access the Service, you must create an account. You are responsible for:

• Maintaining the confidentiality of your account credentials.
• Ensuring that all information provided during account creation is accurate and up-to-date.

3.2 Self-Custodial Service

Moneda operates as a self-custodial service. This means: