Moto
A Visa Infinite where the credit line is your own USDC earning 2–5% in smart contracts — 5% cashback at every tier, Netflix/Spotify/FT rebated at the top, settled monthly from collateral.
DeFi charge card on Solana: USDC collateral earns yield while backing the credit line; lounge access + subscription rebates.
The facts
| Category | web3-native |
| HQ | New York, US |
| Founded | 2025 |
| Custody | Self-custodial |
| Regulation type | Other / mixed |
| Licence detail | Non-custodial; collateral held in Solana smart contracts, DeFi insurance pool instead of FDIC |
| Card | Visa · Credit (Visa Infinite, waitlist) |
| Cashback | 5% base, up to 8% top tier |
| Yield | 2–5% APY on USDC collateral |
| Stablecoins | Yes |
| KYC | Card only |
| Active regions | North America |
| Countries | United States |
| Founders | Shimon Newman, Ramses Bautista (ex-Squads) |
| Funding | $1.8M pre-seed (Cyber Fund, Eterna Capital, Dec 2025) |
Verified links: official site ↗ · @usemotocard ↗
Early investors
comparePut Moto side by side with any of the other 373 tracked neobanks in the directory — custody, licence, cashback, yield, stablecoins and geography in one view.
Peers
Phantom · Eco (Beam) · Dakota · MetaMask · Solflare · Rainbow
Figures compiled from public sources, for comparison only — not financial advice. "Up to" rates change constantly; always confirm with the issuer. Spotted an error? Suggest a fix.