Available regions
Applications or normal card activation are supported
United StatesUS
- Evidence
- Officially supported
Card database / Visa / Stablecoin payment card
M
Moto Card
Updated: Sep 21, 2026
Moto’s core structure consists of a self-custodied asset account, a collateral-backed spending limit, and a monthly credit settlement cycle. Users retain control over their wallet assets, establishing collateral by depositing eligible digital assets—with official terms explicitly supporting USDC on Solana for this purpose—while the system grants a spending limit based on the collateral value. When card transactions occur, an outstanding balance is generated rather than triggering an immediate sale of the underlying crypto assets; the balance is then automatically settled by Moto at month-end using funds from the linked smart contract wallet. As the platform supports deposits from both bank accounts and digital assets, it is best characterized as an on-chain, collateral-backed credit account rather than a traditional crypto prepaid card.
- Card network
- Product type
- Stablecoin payment card
- Card form
- Virtual + physical card
- Operating status
- Active
- KYC level
- Full KYC
- Commercial relationship
- No commercial relationship
- Risk score
- 70-79
- Supported assets
USDC- Last updated
- Sep 21, 2026
Official and company information
Issuer identity and company credentials
Moto is a fintech company for high-net-worth users and crypto asset holders, developing on-chain credit cards and yield accounts secured by stablecoins or digital assets. The Moto Card is marketed as Visa Infinite tier, with end-of-month settlement, allowing users' collateral to continue earning yield during spending, and offers cashback, no foreign exchange fees, airport lounge access, concierge, and travel benefits. Moto Finance Inc. handles the product, app, and membership system, but the actual credit provider, issuing bank, custodian, and card processor have not been fully disclosed in public legal documents.
- Company / issuer
- Moto / Moto Card
- Legal name
- Moto Finance Inc.
- Registered region
- United States (US)
- Headquarters
- New York City, United States
- Company type
- Fintech
- Verification status
- Verified
- Issuer website
- Official link
- Application page
- Application link
Card overview
Moto’s core structure consists of a self-custodied asset account, a collateral-backed spending limit, and a monthly credit settlement cycle. Users retain control over their wallet assets, establishing collateral by depositing eligible digital assets—with official terms explicitly supporting USDC on Solana for this purpose—while the system grants a spending limit based on the collateral value. When card transactions occur, an outstanding balance is generated rather than triggering an immediate sale of the underlying crypto assets; the balance is then automatically settled by Moto at month-end using funds from the linked smart contract wallet. As the platform supports deposits from both bank accounts and digital assets, it is best characterized as an on-chain, collateral-backed credit account rather than a traditional crypto prepaid card.
Visa card experienceRegional availabilityTerms may change
Notice: No additional notice is available.
Usage scale & trends
Usage data is not available for this card yet. It will appear here when available.
Card variants and fee differences
Compare verified fee records across card forms and tiers
M Moto Card | |
|---|---|
| Card form | Virtual + physical card |
| Fees | |
| Monthly fee | 250 USD Annual plan $2,500 |
| Card issuance fee | — |
| ATM fee | — |
| Foreign exchange fee | Free Zero foreign exchange fee for new members |
| Top-up fee | — |
| Failed transaction fee | — |
| Rewards | |
| Cashback | 5% 1%–5% equivalent points, tiered by regular dining and travel |
| Crypto cashback | — |
| Staking rewards | — |
| Staking APR | — |
| Welcome bonus | — |
| Referral bonus | — |
| Limits | |
| Daily spending limit | — |
| Monthly spending limit | — |
| ATM withdrawal limit | — |
| Card network |
Fees may vary by region, card tier, and official policy. Verify the latest official terms.
Regions and language support
Application status based on public sources, official policy, and user reports. This is not application advice.
Unsupported or restricted regions
Applications or features are unavailable or restricted
CanadaCAUnited KingdomGBAustraliaAUUnited Arab EmiratesAEMacaoMOSouth KoreaKRSingaporeSGHong KongHKTaiwanTWJapanJPChinaCN
- Evidence
- Officially restricted
Unconfirmed regions
Evidence is insufficient
No records
- Evidence
- Public sources
Availability in English-Speaking Markets
1. United States：Can apply，Can use，U.S. residents are served through Moto’s U.S. card program and must complete U.S. identity verification, including a U.S. address and Social Security number.
2. United Kingdom：Can apply，Can use，UK residents fall under Moto’s international card program and can apply after completing the required identity verification.
3. Canada：Can apply，Can use，Canadian residents are eligible for Moto’s international card program and must pass the required identity and compliance checks.
4. Australia：Can apply，Can use，Australian residents can apply through Moto’s international card program after completing the required identity verification.
5. South Africa：Can apply，Can use，South African residents are within the international card program and can apply subject to Moto’s identity and compliance screening.
6. New Zealand：Can apply，Can use，New Zealand residents can apply through Moto’s international card program after completing the required identity verification.
7. Ireland：Can apply，Can use，Irish residents are eligible for Moto’s international card program and must complete the required identity and compliance checks.
Updated: Sep 14, 2026
KYC requirements
Current identity-verification requirements and restrictions
KYC required
YesRequiredKYC level
UnconfirmedPendingProof of address
UnconfirmedPendingAccepted documents
Unconfirmed
Review time / regional limits
OriginalMost reviews are completed within 24 hours.
KYC provider
Unconfirmed
Updated
Oct 6, 2026
Payment compatibility
Support status and update date by payment scenario · Actual availability may vary by region, merchant, and issuer policy
Compatibility overview12 scenarios
Supported10
Not supported2
UpdatedAug 14, 2026
Wallet payments
Alipay
Supported
Aug 14, 2026
Wallet payments
Apple Pay
Supported
Aug 14, 2026
Cash services
ATM withdrawal
Not supported
Aug 14, 2026
AI tools
ChatGPT
Supported
Aug 14, 2026
AI tools
Claude
Supported
Aug 14, 2026
Wallet payments
Google Pay
Not supported
Aug 14, 2026
AI tools
Midjourney
Supported
Aug 14, 2026
In-person payments
Offline POS
Supported
Aug 14, 2026
Online shopping
Online shopping
Supported
Aug 14, 2026
Wallet payments
PayPal
Supported
Aug 14, 2026
Subscriptions
Subscription payment
Supported
Aug 14, 2026
Wallet payments
WeChat Pay
Supported
Aug 14, 2026
Review
Read the editorial review, its verdict and latest update.
No review yet
No review has been published for this card. Published reviews appear here.
User reviews
Showing 1 approved review matched to this card
Moto card
Finally a card that actually delivers.
View original Risk factors
Updated: Aug 14, 2026
No risk factors are available
Frequently asked questions
Answers drawn from the published record on this page.
Does Moto Card require KYC?
Our record lists the Moto Card verification requirement as: Full KYC. Document and review details are in the KYC section of this page.
Does Moto Card support Apple Pay and Google Pay?
Apple Pay: Supported. Google Pay: Not supported.
Which assets can I top up Moto Card with?
Our record lists Moto Card support for: USDC.
Is Moto Card a virtual or a physical card?
Moto Card is offered as: Virtual + physical card.
Where is Moto Card available?
Our record lists 1 countries or regions as available and 11 as restricted. Country-by-country status is in the regions section of this page.
Who issues Moto Card?
Moto Card is operated by Moto / Moto Card on the Visa network.