MoonPay powers Moto Card with Virtual Accounts integration
Moto users can now fund their accounts instantly with multiple fiat rails, powered by Iron and MoonPay.
By Team MoonPay
Published on Apr 9, 2026
Last modified on Apr 9, 2026
MoonPay has partnered with Moto to integrate Virtual Accounts, powered by Iron, unlocking a faster, more flexible way for users to fund their crypto-backed Visa Infinite card experience.
Moto is a blockchain-powered spend card that lets users deposit fiat or stablecoins as collateral and spend assets without being debited until the end of each month. Paired with premium Visa Infinite benefits, Moto offers buy now pay later at 0% interest, up to 5% cashback, up to 5% interest on deposits, no first-year foreign transaction fees, and access to exclusive perks like concierge services and lounge access. The platform allows users to fund their lifestyle through the capital efficiencies of decentralized finance..
With Virtual Accounts now integrated, Moto users gain access to dedicated named deposit accounts linked to their profile. This enables seamless fiat funding directly from a bank account, with support for USD ACH, Fedwire rails and SEPA Instant allowing deposits to complete in just seconds. From bank to card in a single transfer.
The integration gives Moto users more control over how and when they fund their accounts, with faster settlement, fewer failed deposits, and a streamlined flow built directly into the platform. Users can now move between fiat and crypto-backed spending with minimal friction, maintaining liquidity and flexibility without compromising on rewards or service quality.