Native to Central and South America, Pachira aquatica grows in warm, seasonally wet tropical areas where roots get steady moisture but still need air around them. That background explains why it prefers soil that stays lightly moist without becoming dense or stagnant.
The best soil for Money Tree is loose, loamy, and rich in organic matter, with some sandy texture to improve flow and aeration. Its root system benefits from a balance of moisture retention and drainage, so the soil can hold enough water for steady uptake while still drying slightly between waterings.