MOTO CARD Buy Now, Pay Later
Card Feature Overview.
| W BONUS | NONE |
|---|---|
| REGISTER FEE | 0/$100K DEPOSITED |
| CASHBACK | UP TO 5% |
| NEED KYC | YES |
| FX FEE | 0% |
| APR / YIELD | YES |
| CARD TYPE | VIRTUAL, PHYSICAL AND CREDIT |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | NON CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | NO |
| ATM LIMIT | NOT DISCLOSED |
| DAILY LIMIT | NOT DISCLOSED |
| W BONUS | NONE |
|---|---|
| REGISTER FEE | $100K/$499K DEPOSITED |
| CASHBACK | UP TO 5% |
| NEED KYC | YES |
| FX FEE | 0% |
| APR / YIELD | YES |
| CARD TYPE | VIRTUAL, PHYSICAL AND CREDIT |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | NON CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | NO |
| ATM LIMIT | NOT DISCLOSED |
| DAILY LIMIT | NOT DISCLOSED |
| W BONUS | NONE |
|---|---|
| REGISTER FEE | $500K DEPOSITED |
| CASHBACK | UP TO 5% |
| NEED KYC | YES |
| FX FEE | 0% |
| APR / YIELD | YES |
| CARD TYPE | VIRTUAL, PHYSICAL AND CREDIT |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | NON CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | NO |
| ATM LIMIT | NOT DISCLOSED |
| DAILY LIMIT | NOT DISCLOSED |
The Real Story on This Card.
PROS
UP TO 5% CASHBACK
Zero FX fees
Graduated yield on deposits: 2% (Tier 1), 3% (Tier 2), 5% (Tier 3)
Tier 3 exclusive perks: YouTube Premium, Spotify Premium, Financial Times, The Economist, curbside pickup
Visa Infinite luxury benefits (travel insurance, concierge, lounge access, hotel upgrades)
Non-custodial wallet on Solana
Buy Now, Pay Later model collateralized by deposits
Curated lifestyle experiences (hotels, retail, sport, nightlife)
CONS
Strictly invite-only — not publicly available
High capital requirement for meaningful tiers ($100K+ for Tier 2, $500K+ for Tier 3)
ATM withdrawals not yet supported
No ACH/SEPA fiat on-ramp — deposits are on-chain crypto only
Only supports Solana blockchain
No sign-up bonus or welcome offer
Physical card ATM withdrawals "coming later"
