Moto Card

What Moto is

Moto is not a standard crypto debit card. It combines a Visa Infinite credit card with a self-custodial wallet in one app: you deposit assets - fiat or crypto such as USDC - receive a collateral-backed credit limit, and spend on credit rather than drawing down the balance on each purchase. You settle the balance monthly, as with any credit card, but the credit line is secured by what you have deposited.

Membership rather than card fees

There is no per-card pricing model here. Moto Membership costs $2,500 a year or $250 a month, with two months complimentary on the annual plan. That fee is what buys the card, the rewards structure, lounge access and concierge, so Moto competes against premium travel cards rather than against $0-fee crypto cards.

Rewards and perks

Points accrue at 1x on all purchases, 3x on dining and retail and 5x on travel, at a value of one cent per point. Points can be redeemed for flights, hotels or statement credits worth up to $200 a month, with more airline and hotel programmes promised. Membership also includes zero FX fees, zero transfer fees, unlimited airport lounge access and a dedicated relationship manager, plus access to a curated catalogue of hotels, restaurants and experiences.

Crypto exposure, quietly

Moto is deliberately built for both crypto-native and mainstream members: you do not need an existing wallet or any DeFi knowledge, and bank accounts are supported alongside digital assets. Virtual IBANs are provided for EUR transfers, and crypto deposits are made to the address and network shown for each supported asset. The on-chain infrastructure is real, but the experience is designed to feel like a premium credit card.

Moto pairs a Visa Infinite credit card with a self-custodial wallet, letting you deposit USDC or fiat and borrow against the balance rather than sell it. Avici and XPlace follow the same principle with different collateral rules. Compare the borrowing terms in the crypto cards directory.

Credit and collateral

• Deposit fiat or digital assets and receive a collateral-backed credit limit.
• Spend on credit and settle the balance monthly rather than debiting each purchase.
• Fund with fiat, USDC or other supported digital assets, with virtual IBANs for EUR transfers.

Card benefits

• Visa Infinite card accepted wherever Visa is taken.
• Zero FX fees and zero transfer fees on global spending.
• Unlimited airport lounge access.
• Dedicated 24/7 concierge and relationship manager.

Rewards

• 1x points on all purchases, 3x on dining and retail, 5x on travel.
• 1 point equals $0.01, redeemable for flights, hotels or statement credits up to $200 a month.
• More airline and hotel transfer partners promised by the end of the year.

Beyond the card

• Preferred rates and access across hotels, dining, travel, experiences and wellness through the Moto partner catalogue.
• Moto Spaces coworking and event venues listed as coming soon.

Deposit assets

Moto accepts fiat and digital assets, with USDC named as the example, for funding the collateral that backs your credit limit. Bank accounts are supported directly, and virtual IBANs are provided for euro transfers, so the card does not require you to hold crypto at all.

How collateral works

Rather than spending your crypto, Moto holds it as collateral against a credit line. That distinction matters: your deposited assets are not sold to fund purchases, and you repay the balance monthly. The trade-off is that the size of your credit limit, the collateral ratio and the treatment of the collateral if asset prices fall are all set by Moto and are not published on the site.

Deposits and networks

For crypto deposits, Moto shows the correct address and network for each supported asset in the account. Confirm the asset, network and destination before sending, since confirmed on-chain transactions cannot be reversed.

Membership

• $2,500 per year, or $250 per month
• Annual membership includes two months complimentary
• No separate card issuance fee, monthly card fee or annual card renewal fee

Transaction costs

• FX fees: 0% globally
• Transfer fees: zero
• Airport lounge access: unlimited within membership
• Points value: 1 point = $0.01, with up to $200 per month redeemable as statement credits

Not published

Moto does not publish the interest rate or terms applied to the credit line, ATM withdrawal fees, or the loan-to-value ratio used when setting a collateral-backed limit. Because the card is a credit product secured by deposited assets, those terms matter more than the membership fee does - ask for them during the application review before depositing collateral.

Access

Applications are reviewed periodically rather than issued instantly, and approval is not automatic. Applications are made through the Moto mobile app.