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.
- Who holds it
- You do. Funds sit on-chain in a wallet the company cannot freeze.
- The ledger
- The blockchain — no company keeps the authoritative record.
- If it fails
- Nothing on the company side to fail; but lose your keys and the money is gone for good.
Derived from Moto’s regulation type and custody — a class of protection, not a guarantee. Limits and eligibility vary by scheme, balance and jurisdiction; confirm before you rely on it. What happens if a neobank shuts down →
The facts
| Category | web3-native |
| HQ | New York, US |
| Founded | 2025 |
| Custody | Self-custodial |
| Regulation type | Other / mixed |
| License 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 ↗
Common questions about Moto
What is Moto?
Moto is a self-custodial, on-chain-first neobank, headquartered in New York, US and founded in 2025. You hold the keys: Moto never takes custody of your funds. Its regulatory structure is mixed (Non-custodial; collateral held in Solana smart contracts, DeFi insurance pool instead of FDIC).
Does Moto have a card, and where can you use it?
It issues a Visa credit (visa infinite, waitlist) card, and identity checks apply to the card but not to the wallet. It is available in North America.
Does Moto require KYC?
Partly. You can use Moto itself without verifying your identity, but ordering its card requires KYC.
What does Moto cost?
From the verified fields: cashback 5% base, up to 8% top tier; yield 2–5% APY on USDC collateral. Cashback and yield are "up to" figures that change constantly and often depend on a paid plan — confirm current terms with Moto before relying on them.
Early investors
Peers
Phantom · Zengo · Eco (Beam) · Dakota · MetaMask · Solflare
Moto appears in
Neobanks where only the card requires ID (33) · Neobanks available in North America (127) · Neobanks that issue a Visa card (183) · Neobanks in United States (67)
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.