Moto Card Tier 2
A plan byMoto Card · Visa
Moto is a stablecoin-backed secured credit card aimed at high-net-worth individuals, built by Moto Finance (founders Shimon Newman and Ramses Kamanda, both ex-Squads). The model is non-custodial: funds stay in smart-contract reserves on Solana and keep earning yield while Moto fronts the transaction at the point of sale and settles monthly using the user's deposited funds. The card is a Visa Infinite with up to 5% cashback on every spend and zero FX fees (spend at the real exchange rate in 180+ countries). Yield on deposits is tiered: 2% (Tier 1, $0-100k), 3% (Tier 2, $100k-499k), 5% (Tier 3, $500k+); cashback stays at 5% across all tiers. ATM withdrawals are not yet supported. The card is members-only, invite-only, and not yet publicly available. Issuance and annual fees are not publicly disclosed, so they are shown as 0 in this entry in the absence of an official figure. Moto Finance raised $1.8M in pre-seed funding from Cyber Fund and Eterna Capital (announced January 2026).
Tier 2
- Cashback
- 5%
- deposito_min_usd
- $100K
- deposito_max_usd
- $499K
- rendimento_pct
- 3%
The number that matters
The banner cashback isn't what you pocket.
After FX markup, fees and withdrawals, on an average profile of €1,000/mo (20% abroad).
Data & conditions
§ Amounts in USD/GBP are shown in the service's native currency.
| Network | Visa |
|---|---|
| Fund custody | Self-custody (funds in your control) |
| Issuance fee | Free |
| Annual fee | Free |
| Free ATM limit | Prelievi ATM non ancora supportati |
| ATM withdrawal | Free |
| FX markup | 0% |
| Cashback | 5% · Nessuno |
| Chains | Solana |
| On-chain settlement | Yes |
| Contactless | Yes |
| Virtual card | Yes |
| KYC | Full |
| Privacy | 3/10 |
| Supported countries | US, EEA, UK |
| Funding / solidity | Moto Finance Inc. e una societa fintech privata fondata nel 2025 da Shimon Newman e Ramses Kamanda (entrambi ex Squads, il maggiore protocollo per valore su Solana). Nel gennaio 2026 ha annunciato una raccolta pre-seed di 1,8 milioni di dollari da Cyber Fund ed Eterna Capital per sviluppare una piattaforma con conto di risparmio ad alto rendimento e carta di credito Visa Infinite. |
| Estimated net annual cost | €0/year |
| Regulator | Nessun regolatore proprio: opera in partnership con emittenti regolati e fornitori di linee di credito |
| Segment | B2C |
| Funding / solidity | Moto Finance Inc. is a private fintech company founded in 2025 by Shimon Newman and Ramses Kamanda (both ex-Squads, the largest protocol by value on Solana). In January 2026 it announced a $1.8M pre-seed round from Cyber Fund and Eterna Capital to build a platform with a high-yield savings account and a Visa Infinite credit card. |
| MiCA / License status | Nessuna licenza propria: opera in partnership con emittenti regolati e fornitori di linee di credito (modello collateralizzato) Moto Finance holds no license of its own and operates through partner regulated issuers; the product is invite-only and not yet publicly available. |
Strengths
- Non-custodial: funds stay in smart-contract reserves on Solana and keep earning yield
- Up to 5% cashback on every spend and zero FX fees in 180+ countries
- Visa Infinite with tiered yield up to 5% on deposits
- Self-custody: funds stay in your wallet — the platform cannot touch them.
Weaknesses
- Members-only and invite-only: not yet publicly available
- ATM withdrawals not yet supported
- Early-stage project (pre-seed) aimed at high-net-worth individuals
- Full KYC required: verified identity, zero pseudonymity.
- Subject to regulation (Moto Finance holds no license of its own and operates through partner regulated issuers; the product is invite-only and not yet publicly available.): reporting to authorities and freezes on order.
Verdict
Limited protection: Moto holds no license of its own and operates in partnership with regulated issuers. The model is non-custodial (funds in smart contracts on Solana), but KYC is full and the product is early-stage, invite-only and not yet publicly available.
Partial sovereignty: funds stay in smart-contract reserves on Solana under user control and keep earning yield, but full KYC and reliance on the Visa rails and third-party issuers reduce real autonomy.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
FAQ
Is the Moto Card custodial or self-custody?
Moto uses a non-custodial model: funds stay in smart-contract reserves on Solana and keep earning yield, while the card fronts the spend and settles monthly using the deposited funds.
How much cashback and yield does the Moto Card offer?
Cashback reaches up to 5% on every spend, with zero FX fees. Yield on deposits is tiered: 2% up to $100k, 3% up to $499k, and 5% above $500k. The card is invite-only and not yet publicly available.
Sources
- Official service page Payment network · FX markup · Cashback · Regioni · +1 Data verified on Jun 22, 2026
- globenewswire.com Azienda info · Azienda info en · Plans & pricing · Regulator · +2 Data verified on Jun 23, 2026
- electronicpaymentsinternational.com Azienda · Issuer · Payment network · Regioni Data verified on Jun 22, 2026
- todey.xyz Payment network · Custodial · Blockchain · Cashback · +5 Data verified on Jun 22, 2026