The scale to find your next depositor
daily active users can be reached by
Moloco Ads. ⓘ
Performance by design
of Moloco Ads ad spend runs on deeper funnel CPA and ROAS goals. ⓘ
Proven success
of the highest-grossing mobile app publishers advertised with Moloco in 2025. ⓘ
Real results across finance apps
"If finance marketers aren’t evolving their strategies to meet users in new environments, they’re not just missing reach—they’re missing relevance. This is why it is so important for us to have our ad strategies reflect where users actually spend their time."
"Moloco proved that they could optimize for ROAS like the big walled gardens. After passing revenue in our MMP postbacks, we ran a test comparing ROAS campaigns optimized to trade commissions against our in-app event campaigns. We saw double-digit gains in D7 revenue and profit, so we leaned in and raised budgets."
"We were impressed by the consistent uplift Moloco brought to our acquisition campaigns. The incremental impact was clearly visible in every test, making it easy to justify significant budget increases."
"Moloco was a strategic partner that not only delivered efficient CPI, but also drove post-install conversion performance, fueling tangible growth for our app. By leveraging premium inventory and implementing day-based budget optimization strategies, we achieved both cost stability and strong performance growth."
"Moloco's ability to deliver precise targeting and optimize our ad campaigns through machine learning has been key to driving scalable growth and improving ROAS."
Have you maxed out your
main channels?
Tightening spend
Rising costs
Lack of channel diversification
How Moloco drives
growth for finance apps
Acquire customers who fund, transact, and become loyal users of your app
Tell Moloco what matters to your business — whether that's funded accounts, first deposits, or repeat transactions — and our compound AI system optimizes toward it from the start. You set the conversion event. We find the users that actually grow your business.
Grow beyond where you're
already buying
Enterprise-grade fraud protection
Moloco maintains strict quality standards aligned with Google and Apple's app store requirements. We use real-time monitoring and exclusion lists to continuously improve inventory quality. These efforts have earned TAG and IAB Gold certifications.
Built for all types of finance apps
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Neobank apps
Drive funded accounts and active users at scale.
- Reach users who are already using budgeting apps and financial calculators
- Target users demonstrating high-intent behaviors that predict account funding and long-term engagement
- Optimize for first deposits and account activation, not just app installs or registrations
Investment apps
Acquire users who are ready to invest.
- Target users tracking portfolio performance, researching market trends, and consuming investment education content
- Reach people exploring stocks, ETFs, crypto, and digital assets across independent apps
- Find users whose behavior signals readiness to open brokerage accounts and start trading
Crypto apps
Acquire high-intent crypto users at the moment they're ready to trade.
- Target users actively researching digital assets, tracking prices, and consuming crypto content
- Reach people whose in-app behavior signals readiness to make their first purchase or fund a wallet
- Optimize for first crypto transaction and KYC completion — not just registrations
- Find the next wave of crypto users among the audiences your current campaigns aren't reaching
Lending apps
Identify high-intent borrowers at the decision moment.
- Find users comparing mortgage rates in calculator apps and actively researching loan options
- Reach users actively managing their credit and who are currently evaluating financial products
- Target people whose in-app behavior signals readiness to apply for credit products
Payment apps
Connect with users ready to adopt new payment solutions.
- Reach users already comfortable with digital transactions and using expense tracking tools
- Find people managing money across multiple apps, signaling readiness for new payment solutions
- Optimize for first transactions and other deeper funnel goals, not vanity installs
Personal finance apps
Expand beyond saturated acquisition channels.
- Target users actively seeking better ways to manage their money
- Find people using complementary financial tools who are likely to adopt additional solutions
- Get incremental reach with access to audiences your existing campaigns aren't touching
Investment and trading apps
Acquire users who are ready to invest.
- Target users tracking portfolio performance, researching market trends, and consuming investment education content
- Reach people exploring stocks, ETFs, crypto, and digital assets across independent apps
- Find users whose behavior signals readiness to open brokerage accounts and start trading
Crypto and digital assets
Acquire high-intent crypto users at the moment they're ready to trade.
- Target users actively researching digital assets, tracking prices, and consuming crypto content across independent apps
- Reach people whose in-app behavior signals readiness to make their first purchase or fund a wallet
- Optimize for first crypto transaction and KYC completion — not just registrations
- Find the next wave of crypto users among the audiences your current campaigns aren't reaching
Lending and credit apps
Identify high-intent borrowers at the decision moment.
- Find users comparing mortgage rates in calculator apps and actively researching loan options
- Reach users actively managing their credit and who are currently evaluating financial products
- Target people whose in-app behavior signals readiness to apply for credit products
Payment apps and digital wallets
Connect with users ready to adopt new payment solutions.
- Reach users already comfortable with digital transactions and using expense tracking tools
- Find people managing money across multiple apps, signaling readiness for new payment solutions
- Optimize for first transactions and other deeper funnel goals, not vanity installs
Personal finance and budgeting
Expand beyond saturated acquisition channels.
- Target users actively seeking better ways to manage their money
- Find people using complementary financial tools who are likely to adopt additional solutions
- Get incremental reach with access to audiences your existing campaigns aren't touching
FAQ
Moloco runs your campaigns across a vetted ecosystem of mobile apps. This is designed to offer strong content standards and privacy protections across categories – such as mobile gaming, fintech, commerce, social, short-form video, food delivery, crypto, prediction markets, and generative AI – where people are actively using their phones, not just scrolling past. We buy this in-app inventory programmatically in real time so you reach consumers while they’re checking balances, comparing products, or making purchases.
In-app advertising lets you reach people when they’re leaned in and engaged: in full-screen, high-attention environments that are well suited to complex financial decisions. Most importantly for finance marketers, you can tie performance to real business outcomes — installs, KYC completion, funded accounts, card activations, first deposits, and repeat transactions — rather than just impressions or clicks.
Moloco can optimize to a wide range of app and business outcomes: new installs, sign-ups, and KYC completion; first deposits or funded accounts; card activations; specific in-app events; and revenue-based goals like CPA or ROAS. Many finance customers also run re-engagement campaigns with Moloco to reactivate dormant users, encourage additional product usage, or drive repeat transactions using the
same platform and data.
Some UA platforms optimize for installs or registrations because those are quick events their algorithms can measure. We optimize for the milestones that matter to your business: first deposits, initial transactions, account funding, sustained activity. Moloco’s CARA (Compound Ad Recommendation Architecture) analyzes the full user journey to understand what predicts conversion for your specific product.
We take data and security seriously. Please see our Trust Center and Security and Compliance pages for more details.
Moloco’s platform is designed to support customers’ compliance efforts with applicable privacy laws, including GDPR and CCPA.