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關於Moto
Moto 是一家總部位於紐約、以加密貨幣為核心的信用卡公司，提供與自託管錢包連結的Visa Infinite卡。用戶存入USDC（穩定幣）作為抵押品，Moto透過Solana區塊鏈上的智能合約，以該抵押品為基礎提供信用額度。這張卡的使用方式與傳統信用卡相同：用戶消費後按月結算。存款在作為抵押品的同時，仍可持續產生收益。 其核心價值在於連接加密資產與日常消費，且無需強迫用戶出售持有的資產。與即時扣款的簽帳型加密卡不同，Moto提供真正的信用額度，讓用戶在消費時仍能保留加密資產的曝險並賺取收益。該基礎設施採用可程式化抵押品及自動結算，Moto宣稱這比傳統信貸系統更具可靠性。 Moto所解決的市場痛點，在於加密貨幣持有者在將資產兌換為法幣以支付日常開支時，常面臨稅務事件或需透過離線通道轉換的摩擦。Moto讓用戶以加密資產抵押借款而非出售，從而避免立即的稅務影響，並維持市場曝險。 在過去六個月（2026年3月至9月），Moto專注於擴大其信貸設施。3月，該公司強調了與鏈上結構化金融協議Credit Coop在信用與結算層面的合作。6月，Visa在其關於鏈上貸款的機構研究中提及Credit Coop，間接肯定了Moto的基礎設施策略。在此期間未傳出重大負面事件，不過該產品仍處於等候名單階段，且僅限於北美地區使用。
Moto issues credit cards spendable with stablecoins for crypto users, built around the Solana ecosystem, with a core team drawn from the multisig wallet infrastructure Squads.
On January 3, 2026, Moto announced a 1.8 million US dollar pre-seed round led by Cyber Fund with participation from Eterna Capital, funding the rollout of its Visa Infinite card product and self-custody wallet. The offering lets users borrow against USDC on Solana, turning on-chain assets into everyday spending power.
Future strategy and roadmap: Moto plans to pursue issuing compliance in additional jurisdictions, raise collateral eligibility and credit limits, and integrate with more wallets and liquidity providers to extend self-custody card usage to a wider range of everyday payments.
Shimon Newman — Co-founder & CEO; former Director of Research at Squads; focuses on on-chain credit and private-banking style consumer finance.
Moto membership costs $2,500 per year or $250 per month, with the annual plan including two complimentary months and covering global spending plus published withdrawal timings.