INFRASTRUCTURE FOR HOW YOU MOVE
At home, abroad, and everywhere in between, Moto gives its members a quieter way to move.
THE CARD IS ONLY THE BEGINNING
Spend globally. 0 FX Fees built in.
- Frictionless
- One system everywhere
- Global spend
24/7Concierge.Anything.Anytime.
- Dedicated concierge
- Global support
- Private inventory
One system everywhere
Global spend
Frictionless
0% FX globally
Global support
Dedicated concierge
Private inventory
PRemium CARD
Made for the places you already move through.
Hotels
Preferred stays, selected rates, and member benefits.
Dining
Access connected to restaurants and hospitality moments.
Travel
Benefits designed around movement between cities and countries.
Experiences
Selected access across retail, culture, and events.
Wellness
Selected access to spaces and services designed for recovery, balance, and wellbeing.
ACCESS
OUR NETWORK
Membership includes preferred rates and exclusive experiences across our catalogue of partners.
FREQUENTLY
ASKED QUESTIONS
ABOUT MOTO
Moto is infrastructure for how you move.At home, abroad, and everywhere in between, Moto gives its members a quieter way to move through the world. It starts with a Visa Infinite card built for global spending, with zero FX fees and one system that works wherever you go. Beyond the card, Moto connects members to preferred stays, dining, travel, culture, experiences, and wellness. The card is only the beginning.
Moto combines a Visa Infinite credit card and a self-custodial wallet into a single app. Deposit funds, receive a collateral-backed credit limit, and use your card anywhere Visa is accepted. Moto does not deduct each purchase from your balance like a debit card. You spend on credit and settle your balance monthly. The infrastructure is built onchain. The experience is designed to feel like a premium card.
No. Moto is built for both mainstream and crypto-native members. You do not need an external wallet, prior crypto experience, or an understanding of DeFi. Bank accounts are also supported.Moto handles the technical complexity behind the scenes, giving you a familiar way to fund, spend, and manage your account.
COSTS & BENEFITS
Moto Membership costs $2,500 per year or $250 per month. Annual membership includes two months complimentary.
Moto Membership is designed to make every part of spending more valuable.
Members earn points on every dollar spent: 1x points on all purchases, 3x on dining and retail, and 5x on travel. Points can be redeemed for flights, hotels, or up to $200 per month in statement credits. More airline and hotel programs will be added by the end of the year. 1 point = 0.01 dollars.
Membership also includes zero FX fees, zero transfer fees, unlimited access to airport lounges, and a dedicated Relationship Manager available whenever you need assistance.Beyond the card, Moto Lens gives members our global curation of restaurants, hotels, shops, and bars. Moto Spaces, our dedicated coworking and event spaces, are coming soon.
Usage
Applications are open on the Moto website and reviewed periodically. If your application is approved, you’ll receive an email with the next steps. To apply for Moto, simply download Moto from the App Store or Play Store and begin your application.
You can fund your account using the methods shown in the Moto app, including supported crypto and stablecoins. For crypto deposits, Moto provides the correct address for each supported asset and network. Always confirm that the asset, network, and destination address match the details shown in your account. Transactions confirmed onchain cannot be reversed.
Processing time depends on the asset, network, and withdrawal method. These are estimates. Network conditions and additional security or compliance checks may extend processing times.
Some transactions require an additional security or compliance review. These checks help protect Moto members and the integrity of the platform. Most reviews are completed within 24 hours. If your transaction has remained under review for longer, contact Moto Support, and we’ll look into it.
Every Moto member must complete identity verification during onboarding. This helps us meet our regulatory obligations and keep the platform secure. Depending on your jurisdiction or account activity, we may occasionally require additional information. If we do, you’ll receive clear instructions in the Moto app.
Onchain transactions are irreversible. Funds sent to an incorrect address, unsupported asset, or unsupported network may not be recoverable. Before confirming a transfer, verify the asset, network, and deposit address against the details shown in your Moto account. If you believe you made an error, contact Moto Support immediately. We’ll review the transaction and explain any available options, but recovery cannot be guaranteed.
Moto uses multiple layers of security, including encrypted communications, device-bound passkeys, multisignature wallet infrastructure, and ongoing fraud monitoring. Moto is self-custodial, meaning you retain control of your assets. You should still protect your device and credentials, review transaction details carefully, and never share verification codes or recovery information. Moto Support will never ask for your passkey or private recovery credentials.
A payment can be declined because of:
- Insufficient available credit
- A merchant or transaction restriction
- A security check
- A payment-network issue
- A temporary service interruption
Check your available credit and confirm that your card is active, then try again. If the payment continues to fail, contact Moto Support with the merchant name, transaction amount, and approximate time of the attempt.
