Moneda: Scan and Pay 1.9.9.8

This platform presents a comprehensive financial technology solution designed to address several key issues faced by modern businesses and consumers. Moneda® emphasizes community engagement, economic opportunity, and social responsibility, notably channeling a portion of transaction fees toward ending veteran homelessness.

Designed with ease of use and security in mind, Moneda® offers features such as open banking integration with over 13,000 financial institutions and AI-powered tools to streamline transactions while reducing operational costs. Its fee structure promotes affordability and can help increase sales for merchants.

The system facilitates seamless pay-by-bank transactions through simple scan or tap methods, eliminating the need for additional app downloads by customers. Secure QR codes and payment links enhance transaction privacy and safety.

Business owners can create short-form shoppable videos with embedded secure QR codes, allowing storytelling and marketing without requiring customers to download separate applications. The platform also supports the creation of business profiles—free of marketplace fees—and offers AI-generated websites for quick online presence setup.

Additional features include a geographic listing service to connect local businesses, an AI chat function enabling trusted communication and instant payment within messaging, and community discovery tools to foster local engagement. Promotion capabilities help businesses highlight their offerings, events, and announcements within the neighborhood.

Moneda® extends its capabilities across borders by linking with popular FinTech apps like Wise and other U.S. financial institutions, supporting international payment flows. Verification processes ensure platform integrity, awarding veteran badges to verified veteran-owned businesses to promote trust and safety.

The platform aims to mitigate costly chargebacks—estimated at over $54 billion annually—by enhancing transaction security. Its rewards system encourages users to refer others, fostering network growth and broader community impact.