Get paid like a local, hold money only you control

You can open personal USD, EUR, GBP, and Naira account details. Which of these are available to you depends on your country of residence and the checks required there, so the exact set you see may be narrower than the full list. Moneva shows you which currencies you qualify for once you start the request.

When a payment reaches your virtual account details, a licensed payment partner converts it into USDC, a fully backed dollar stablecoin. That USDC is held in your own self-custodial smart-account wallet, secured by your passkey. Moneva is software that helps you manage it; it never takes custody of your funds, and no one but you can move them.

Yes. A quick identity check is required before any currency account details are issued, and it is the only step needed beyond opening your Moneva account. The verification is carried out securely by a licensed identity-verification partner so that virtual accounts can be issued and operated in line with applicable rules.

No. Moneva is self-custodial software, not a bank and not a custodian. Virtual accounts are account details that let you receive money through licensed payment and banking partners; the underlying banking services are provided by those regulated partners, not by Moneva. Your balance is held as stablecoins in your own wallet, not as a deposit with Moneva.

Pricing for opening and receiving into virtual accounts is shown in the app before you confirm, so there are no hidden charges. When incoming funds are converted into USDC, the rate is set by the licensed payment partner that handles the conversion, and the amount you will receive is displayed up front. Final published fee details will be available at launch.

Most people can open virtual account details within minutes of finishing identity verification. Once your details are active you can share them straight away, and incoming payments settle into your wallet as USDC according to the standard timelines of the local payment networks involved.