Consensys bets on Monad as the base layer, mUSD as the core, Morpho Aave for yield, and MetaMask Card for payments—this product architecture is quite ambitious, but do users really need so many functions crammed into a single account?

MetaMask parent company Consensys launches self-custody account product Money Account, integrating stablecoin yield, payments, and trading into a single account. The product is built on Monad, with MetaMask's own stablecoin mUSD at its core. Users can automatically allocate funds to DeFi lending protocols like Morpho to obtain floating annualized returns of up to approximately 4%, and will integrate Aave in the future. Users can spend via MetaMask Card at merchants that support Mastercard, and can directly use it for token swaps, perpetual contracts, and prediction market trading without additional transfers. Consensys said that throughout the process, users always maintain self-custody of assets. (CoinDesk)