Newmoney.AI

What is Newmoney AI?

Newmoney AI is a self-hosted encryption wallet that relies on the Newton dialogue assistant as its core. Users can manage assets across various blockchain networks, and they can perform tasks such as checking balances, sending and receiving funds, conducting exchanges, and moving assets between different chains using natural language commands.

It integrates the wallet interface, AI agents, fiat currency deposits and withdrawals, as well as DeFi access points, but it is not a bank account, a guaranteed-return financial product, nor a licensed investment advisor. Cryptocurrency prices, smart contracts, cross-chain bridges, and third-party services can all lead to irreversible losses.

A one-sentence summary

Newmoney AI is an AI-based, non-custodial cryptocurrency wallet that supports multi-chain assets, chat-based trading, fiat currency deposits and withdrawals, as well as DeFi integration.

Main functions

Unmanaged wallets

According to the official terms, Newmoney is defined as a non-custodial wallet; the assets and transaction records are stored on the blockchain, while the platform provides an interface for carrying out operations. Users are in charge of their private keys or backup phrases, and they bear the risks associated with leaks, loss, or incorrect signatures.

Newton AI Assistant

Newton is able to understand intentions such as sending, receiving, exchanging, bridging, and querying through dialogue, and it can display information about the market or tokens. The suggestions, parameters, and transaction routes generated by AI may be incorrect; therefore, the user must verify each element of any signature manually.

Multi-chain asset management

The official website and app stores list SUI, Solana, EVM-compatible chains, as well as native Bitcoin; newer updates to the App Store also mention XRP and Aptos. The list of supported chains and tokens may change over time, so it is necessary to check the network and contract addresses in the wallet before making any transfers.

Cryptocurrency exchange and cross-chain transactions

Wallets utilize partners such as LI.FI to facilitate aggregation, conversion, and cross-chain transactions. These transactions are carried out through third-party protocols and blockchain technologies; Newmoney cannot guarantee the timing of fund arrival, the price, the slippage, or the security of the bridging process.

Buying and selling of legal tender

Users can buy and sell cryptocurrency assets through partners such as Transak, using bank cards, Apple Pay, bank accounts, or other methods supported in their region. The list of available countries, authentication requirements, currencies, limits, and fees are determined by the service providers.

Digital Cash

The terms describe Digital Cash as an on-chain digital token that is fully backed by USDC and enables peer-to-peer transfers within Newmoney’s closed user ecosystem. It is not designed to appreciate in value or generate any intrinsic returns, nor is it equivalent to currency issued by governments or bank deposits.

Aave earnings section

Some of these processes allow users to deposit USDC using the Aave protocol and to carry out various activities on the blockchain. The returns generated are determined by the Aave protocol and market conditions; there are also risks related to smart contracts, interest rates, the devaluation of stablecoins, and liquidity issues.

Message platform operations

According to the official website, Newton can be accessed via WhatsApp, Telegram, Discord, websites, and other platforms. The convenience of chatting increases the risk of account takeover and accidental actions; sensitive transactions should not be approved based solely on chat summaries.

AI Market Trends and Token Insights

The updates to the mobile application cover technical aspects as well as social sentiment analysis, account performance, and the token page. Such information can only serve as a basis for research; it does not constitute any advice on buying or selling, nor can it predict future prices.

Which users are it suitable for

• Multi-chain users: View and manage different network assets from a single interface.
• DeFi users: Carry out exchanges, cross-chain operations, and protocol interactions through aggregated pathways.
• Crypto beginners: Use the dialogue interface to understand basic wallet operations, but still need to learn about the security of private keys.
• Mobile users: Manage assets and scan QR codes via iOS or Android.
• Browser users: Use Chrome extensions to operate in web pages and DApp environments.
• Developers: Pay attention to the official Wallet SDK and financial agency capabilities.
• Small-scale test users: Verify the chat-based transaction process after fully understanding the associated risks.

Prices and fees

As of August 24, 2026, the Newmoney app can be downloaded for free; the official website does not list any membership subscription plans. The actual costs are associated with the blockchain network, exchanges, bridges, deposits and withdrawals in fiat currencies, as well as third-party services, and it should not be assumed that a \"free wallet\" means zero fees for all transactions.

The terms require users to check the Newmoney fee schedule before completing the exchange or depositing USDC into Aave, but the official website does not specify fixed fees. Network fees, slippage, routing fees, payment channel charges, exchange rate differences, and tax costs may all apply, and the final amount will be displayed item by item prior to signing.

Expense verification list

• Check whether the input asset, output asset, network, and contract addresses are correct.
• What are the estimated amount to be received, the minimum amount that will be received, and the maximum slippage allowed?
• How much are Newmoney, aggregators, bridges, payment channels, and on-chain Gas charged respectively?
• Is there a countdown for the quote, and is it recalculated after it expires?
• Does the target chain have enough Gas reserved for subsequent operations?
• What are the exchange rates for purchasing with fiat currency, the fees associated with bank cards, the requirements for identity verification, and the rules regarding refunds?

Tutorial for first-time users

1. Install only from the official app store or official browser store, and check the developer’s name.
2. After creating a new wallet, copy the backup phrase offline and conduct a recovery test.
3. Do not take screenshots, upload them to cloud storage, send them via chat, or give them to any customer service staff for backup.
4. Enable device lock, biometrics, app passwords, and available two-factor authentication.
5. First, transfer a small amount of money from your wallet that you are willing to lose in its entirety.
6. Check whether the asset network, contract addresses, and balance displays are correct.
7. Send a small amount at a time, then verify the records in the block explorer and the arrival of the funds.
8. When using Newton, check each element separately: the payment address, the network, the tokens, the quantity, and the fees.
9. Conduct additional small-scale tests before performing large-scale operations, and use separate hardware or isolated devices.
10. Regularly check permissions, connected DApps, messaging platforms, and browser extensions.

Exchange and cross-chain tutorials

1. Select the input and output tokens, and verify their network addresses as well as contract addresses.
2. Enter a small quantity and wait for LI.FI or other partners to provide the route.
3. Compare the estimated arrival time, gas costs, bridge tolls, price impacts, and estimated duration.
4. Read the authorization form that needs to be signed to prevent granting unlimited token quotas.
5. Authorization is granted first, followed by confirmation of the actual exchange or cross-chain transaction, so that the two signatures are not confused.
6. Save transaction hash, route, and target chain information.
7. Wait for the final confirmation on the chain; do not submit the request again immediately due to delays.
8. Revoke the authorization for tokens that are no longer needed once the funds have been received.

Newton’s principles for safe use

• Consider AI as an interface assistant, rather than a fiduciary investment advisor.
• For any transaction, the address, chain, token, quantity, slippage, and fees are all verified.
• Do not send backup phrases, private keys, or complete identity details to chat assistants.
• Independent verification of earnings, price forecasts, and sentiment analysis.
• Agents are not allowed to conduct transactions automatically without a set quota and manual confirmation.
• When you receive unknown links, free gifts, or private messages from customer service, do not sign directly through Newton.
• Use a separate cold wallet for high-value wallets, and connect only low-value hot wallets to the proxy.

Being unmanaged does not mean there is no third party involved.

Newmoney does not store users’ private keys or assets on the blockchain; however, services such as Transak handle the deposit and withdrawal of fiat currencies. LI.FI is used for conversion and bridging, while Aave may be involved in handling earnings exchanges. Web3Auth can be used for logging in and recovering keys. Each service comes with its own terms, regulations, and associated risks.

The fact that an asset is unmanaged only indicates the structure of control over that asset; it does not mean that there will be no errors on the part of the platform, smart contracts, routing systems, the user interface, or partners. Users can still lose their assets due to phishing attacks, unauthorized actions, devaluation of stablecoins, vulnerabilities in bridges, or issues with the network.

Privacy and data

The privacy policy came into effect in December 2024; the entity responsible for its implementation is named NM Technology Limited, with an address in the Marshall Islands listed. The policy states that email addresses or phone numbers necessary for support and communication, as well as public wallet addresses, will be handled, and that necessary data can be shared with the service providers.

Google Play indicates that apps may collect various types of data such as location information and personal details, while the App Store mentions email addresses, contacts, user identifiers, information related to product interactions, and diagnostic data. Chrome extensions also state that they handle identity information, financial and payment data, personal communications, and user activities.

Once confirmed, public wallet addresses and transactions on the blockchain cannot generally be deleted. Even if a user closes their account or exercises their right to delete them, the records on the chain remain visible and can be linked again with other information.

Suggestions for using privacy settings

• Do not link a permanently public identity to a high-value wallet address under the same social account.
• Be cautious when granting permissions for contacts, location, communications, and browser activity.
• Before using Newton on the messaging platform, check the chat backups and device login.
• Enterprises or regulated users should confirm the sub-processors, data locations, and authentication procedures.
• Do not share combinations of transaction hashes and personal information through public channels.
• Even after closing the account, it is necessary to revoke the DApp authorization and deal with the remaining assets.

Platform support

Smart contracts and developer capabilities

The official documentation provides some mainnet contract addresses for networks such as Solana, Ethereum, Arbitrum, Polygon, BSC, Optimism, Avalanche, Mantle, and Base. These public addresses facilitate verification on the blockchain, but they cannot replace a thorough audit, control over upgrades, or checks of administrator keys.

The official website states that developers can create financial brokerage applications using the Wallet SDK, but the available documentation does not clearly specify the full package name, version, licensing terms, or service prices. Before starting development, it is necessary to obtain from the authorities the latest SDK documentation, relevant limits, security protocols, and information on how to use the test network.

Product advantages

• Place multi-chain wallets, AI assistants, exchange functions, cross-chain capabilities, and fiat currency options in a unified interface.
• Newton reduces the complexity of performing operations on wallets.
• It covers various networks such as Solana, EVM, SUI, and Bitcoin.
• Web, mobile, and Chrome extension versions are available.
• The transaction assistant can be accessed via the messaging platform.
• The authorities have released some addresses of the smart contracts on the main network.
• The unmanaged design allows users to have direct control over on-chain assets and private keys.

Risks and limitations

• Cryptocurrencies can experience sharp fluctuations and lead to total loss of capital.
• If the private key or backup phrase is lost, the platform may be unable to recover the assets.
• AI may generate incorrect transaction parameters, risk assessments, and market insights.
• Cross-chain bridges, aggregators, smart contracts, and stablecoins all carry technical risks.
• Third-party deposits, withdrawals, and exchanges may require identity verification and are subject to regional restrictions.
• Once a transaction is confirmed, it is usually irreversible, and there is no traditional payment rejection protection.
• The stock feature is still indicated in the old documents as upcoming; it should not be assumed to be fully available at present.
• The liability limit specified in the terms still contains placeholder amounts that have not been filled in; clarification should be sought before such amounts are used on a large scale.
• This tool does not provide personalized advice on licensed investing, legal matters, or taxation.

Open source and GitHub status

As of this verification, no official GitHub repository containing the source code for the Newmoney wallet application, Newton Assistant, or Wallet SDK was found, nor was any explicit open-source license available. The main platform of these products should be labeled as not being open source.

Platforms such as LI.FI and Aave may make some of their code publicly available, and their official documentation also provides the addresses of their contracts; however, this does not mean that the Newmoney wallet, the user interface, AI agents, or the backend services are open source. The fact that something is visible on the blockchain does not imply that its code has undergone security audits.

Basic information

Frequently Asked Questions

Is Newmoney AI free?

The application can be downloaded for free; Digital Cash’s official statement is that no fees are charged for sending and receiving Newmoney. However, fees may still apply for conversions, cross-chain transactions, network gas costs, deposits and withdrawals in fiat currencies, and third-party integrations.

Will Newmoney hold my cryptocurrency assets?

No, the official definition is that it belongs to the category of unmanaged wallets. The user is in charge of keeping the private key and is responsible for its safe storage; if it’s lost, the platform may not be able to recover it.

Can Newton trade automatically?

The official website states that Newton can assist in initiating transactions and carrying out proxy operations, but any form of automation should be accompanied by fixed limits and human verification; AI should not be allowed to control high-value wallets without restrictions.

Which blockchains are supported?

The currently available options include SUI, Solana, EVM-compatible chains, and native Bitcoin; mobile updates also mention XRP and Aptos. The actual assets and networks should be based on the latest list in the wallet.

Can AI insights serve as investment advice?

No, market trends, technical analysis, and social sentiment analysis can be inaccurate or outdated. Users should conduct their own research and assume only the losses they are able to afford.

Is Newmoney AI open source?

No, no official wallet or Newton source code repository has been found yet. The availability of public smart contract addresses and the use of third-party open-source protocols do not mean that the main product is open source.

Summary

Newmoney AI combines multi-chain assets with a chat-based interface, making it suitable for users who wish to simplify wallet interactions. It remains a high-risk, non-custodial crypto tool; the focus should be on keeping private keys in offline backups, conducting small-scale tests, verifying charges one by one, obtaining manual confirmation, and being aware of the risks associated with third-party agreements, rather than aiming for fast automated transactions.