Visa

Moto

3.5/10Overall Score

Visit website ↗

Non-custodial crypto credit card on Solana

X / Twitter ↗LinkedIn ↗

Card Mode

Third-party custody

Card Type

Credit

Mobile Payments

Google PaySupportedApple PaySupported

About the Project

Moto is a non-custodial crypto credit card built on the Solana blockchain. Users deposit USDC as collateral to receive a Visa card for spending and earn 5% base cashback. Its core mechanism ensures users retain control of their assets, while collateral in smart contracts can generate 2-5% APY through DeFi strategies. The product has no annual or monthly fees, but collateral cannot be freely withdrawn until repaid.

Fees & Rules

01Getting Started

Monthly Fee
Monthly Fee
The annual fee is $2,500.: $250

02Spending & Conversion

Base Transaction Fee: 0%
FX Fee: 0%
Crypto / Fiat Conversion: 0%

Team & Investors

Team 1

Shimon NewmanCEO

𝕏 in

Card Guide

Overview

Moto is operated by Moto Finance Inc., founded in New York in 2025 by founders from Squads on Solana, and closed a USD 1.8 million pre-seed in January 2026. The product is a Visa Infinite secured credit card for high-net-worth users: USDC is deposited into a Solana smart contract as collateral, Moto fronts purchases, and the collateral settles the balance at month end while continuing to earn yield throughout. The card is invite-only and currently opens through a waitlist.

Item	Details
Formats:	virtual and physical cards at the Visa Infinite tier.
Tiers:	four levels set by collateral and spending scale, with benefits and limits rising at each step.
Collateral:	USDC on Solana, which keeps earning through DeFi strategies.
Use cases:	high-limit everyday spending, travel and concierge service for crypto holders.

Benefits

Item	Details
Cashback:	5% at the base level, stackable to 8% at the top tier.
Deposit yield:	tiered on USDC collateral at 2% up to USD 100,000, 3% from 100,000 to 499,000 and 5% above USD 500,000.
No FX fee:	spending at the real exchange rate in more than 180 countries with no conversion markup.
Visa Infinite benefits:	global concierge, airport lounges, invitations to private events, curated dining and lifestyle experiences.
Subscription rebates:	Spotify, Netflix, YouTube Premium, the Financial Times and The Economist at higher tiers.
Self-custody:	collateral sits in a smart contract the user controls rather than a platform account.

Fees

Item	Details
FX:	0, settled at the real exchange rate.
Spending:	no transaction fee, and automatic collateral settlement carries no extra charge.
Funding:	free.
Membership:	USD 250 a month or USD 2,500 a year depending on the plan.
ATM:	cash withdrawals are not yet supported, so no withdrawal fee applies.
Liquidation:	collateral is sold if its value falls below the required level, with the shortfall borne by the user.

Availability

Item	Details
Supported:	the United States is the main market, requiring a US address and Social Security number.
International programme:	residents of the UK, Canada, Australia, New Zealand, Ireland and South Africa can apply through the international card programme.
Acceptance:	the Visa Infinite network, covering more than 180 countries.
Onboarding:	full KYC and a USDC deposit as collateral; the card is invite-only and starts with the waitlist.
Spending limit:	the line tracks collateral value rather than a separate credit facility.
Settlement:	outstanding balances settle automatically from the collateral contract at each month end.