Introducing MetaMask Money Account

Your money should always be turned on and working for you. With the powerful new MetaMask Money Account, this is finally possible. Earn up to ~4% APY* automatically as you trade, send, and spend, all from one account. 

One account, always earning at up to 4% APY

The old way: trade on one app, save with a different one, spend on another card account, and move funds across all of them. Wasting time and racking up fees, just for the privilege of watching your money sit idle in between.

The new way: one app where you can do it all in one place. Trade, send, and spend as you earn. Everything is connected, and your money is always turned on. MetaMask Money Account is a fully liquid unified balance that runs on Monad, its home network, and earns up to 4% APY* automatically and continuously. There are no lockups, no fees to open, and no minimums. Your balance starts growing the second funds land, and your assets are always available to use whenever and however you need them.

When you add funds to Money Account, they convert to mUSD, our dollar-backed stablecoin. One currency, powering everything and always turned on. 

The Money Account that grows as you use it

Trade anything: tokens, perps, prediction markets, tokenized stocks, ETFs, and commodities. The rest of your balance keeps earning.

Send anywhere: across every major network and any border, to anyone with a wallet. The rest of your balance keeps earning.

Spend everywhere: Use MetaMask Card at hundreds of millions of Mastercard merchants worldwide, and get up to 3% back on every purchase. The rest of your balance keeps earning.

What you see is what you get. There's nothing to claim, nothing to restake, and nothing to move between accounts.

Access your funds anytime, anywhere with no limits

Your funds are available to you whenever you need them, wherever you are. There are no waiting periods or withdrawal windows. Money Account is protected by the same industry-leading MetaMask security that safeguards millions of wallets, and billions of transactions, with infrastructure by Veda and Steakhouse Financial. mUSD is backed 1:1 by US dollars and short-term US Treasury bills held in regulated custody, and issued through Bridge, a Stripe company.

Add funds to a Money Account in one tap

Fund the Money Account with any amount, there's no minimum to get started. Already hold stablecoins? Deposit mUSD, USDC, USDT, or DAI (and Aave wrapped versions) in one tap with no conversion fees. You can also fund your account directly by buying mUSD with a debit card, credit card, bank account, PayPal, Apple Pay, or Google Pay. Hold a different token? Convert any asset to mUSD for a standard conversion fee. Money Account starts earning up to 4% APY* the moment you fund it.

Get started with Money Account 

Open MetaMask, tap Money, and add funds. That's it. Now, watch your balance work for you.

Dead dollars are done.

Turn your money on Money Account is rolling out now on MetaMask Mobile (v8.0.0 or higher) and available within the next few days. Update to the latest version on iOS or Android to get started.

*Disclaimer: Money Account is not a bank account, savings account, or insured deposit product. APY is variable, not guaranteed, and may fluctuate based on market conditions. Money Account involves smart contract, liquidity, protocol, and other risks, which in extreme cases could result in partial or total loss of funds. Nothing in this post constitutes financial, investment, tax, or legal advice. Availability varies by region. Please review the full [Terms of Use] before using the Money Account. Terms subject to change. MetaMask Money Account earns APY through third-party DeFi platforms that deploy funds in blockchain protocols. Vault infrastructure is built and operated by Veda, with risk curation by Steakhouse Financial.