Available regions
Applications or normal card activation are supported
United StatesUS
- Evidence
- Officially supported
Card database / Visa / Stablecoin payment card
M
Moto Card
Updated: Aug 14, 2026
Moto Card is a Visa Infinite crypto-collateralised credit card offered by Moto Finance, combining a self-custody digital asset wallet with a monthly-billed credit card. Users deposit stablecoins or other supported assets as collateral and receive a corresponding credit limit. Assets are not sold for each purchase; instead, the balance is settled at the end of the billing cycle. The current product is intended for high-net-worth and global-spending users and offers virtual and physical cards, no foreign exchange fee, travel benefits, concierge services and spending points.
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 differs from ordinary crypto debit cards in that spending is not deducted from the wallet balance immediately. Users provide digital-asset collateral in a self-custody smart-contract wallet. Moto establishes a credit line based on the collateral value, completes online or in-person transactions through Visa Infinite, and automatically settles the outstanding balance from the account at month-end. The current APR is 0%. In principle, the collateral value must cover at least the US-dollar value of spending already incurred; if the collateral value falls below the outstanding balance and the user does not top up in time, the smart contract may trigger liquidation. In 2026, Moto also integrated MoonPay/Iron Virtual Accounts, allowing users to fund their accounts through fiat channels.
Visa card experienceRegional availabilityTerms may change
Notice: No additional notice is available.
Card variants and fee differences
Compare verified fee records across card forms and tiers
M Moto Visa Infinite 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 China applicability
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
China applicability
The source text is retained below.
Original
1、中国大陆：当前不支持新申请，Moto最新开放计划仍以美国用户为主；已合法取得的Visa卡理论上可在接受国际Visa的商户消费，但受当地及发卡风控限制。
2、香港：当前不支持香港居民直接申请新版Moto Membership，国际申请仍处开放前阶段；已有有效Visa卡可在香港正常Visa受理场景使用。
3、澳门：当前不支持澳门居民直接申请新版Moto Card；已从合资格地区取得有效卡片的用户，可在澳门接受Visa的合规线上及线下商户消费。
4、台湾：当前不支持台湾居民直接申请新版Moto Card；国际会员开放后资格仍需重新审核，已有有效Visa卡可用于正常Visa商户消费。
Updated: Aug 14, 2026
KYC requirements
Current identity-verification requirements and restrictions
KYC required
YesRequiredKYC level
UnconfirmedPendingProof of address
UnconfirmedPendingAccepted documents
Unconfirmed
Review time / regional limits
Unconfirmed
KYC provider
Unconfirmed
Updated
Aug 14, 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
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