Stabledash
Stabledash
Partnership
Partnership with MoonPay’s Iron enables Moto users to create named deposit accounts and instantly top up their Visa Infinite card using institutional-grade fiat rails.
April 9, 2026
MoonPay has partnered with Moto to integrate Virtual Accounts powered by Iron, delivering a faster and more flexible way for users to fund their blockchain-powered Visa Infinite card. The integration allows Moto users to create named deposit accounts linked to their profile and top up instantly using institutional-grade fiat rails.
Moto is a next-generation spend platform that lets users deposit fiat or stablecoins as collateral and spend globally without immediate debits. Balances settle at the end of each billing cycle, effectively offering buy-now-pay-later at 0% interest while users continue earning yield on their deposits.
Paired with premium Visa Infinite benefits — including concierge services, airport lounge access, purchase protections, and more — Moto delivers an elevated experience: up to 5% cashback on purchases, up to 5% interest on deposits (tiered by balance), no foreign transaction fees in the first year, and lifestyle perks that turn everyday spending into a luxury experience.
The platform leverages the capital efficiencies of decentralized finance, allowing users to keep earning yield on their assets even while spending.
With Iron Virtual Accounts now live inside Moto, users gain dedicated named deposit accounts that streamline the entire funding process. Supported rails include:
This enables deposits to complete in seconds, moving funds from a user’s bank account directly into stablecoin collateral that backs the card — all in a single, streamlined flow built natively into the Moto app.
The result is greater control, faster settlement, fewer failed deposits, and minimal friction when moving between fiat and crypto-backed spending, all while preserving full rewards and premium card benefits.
“Virtual Accounts bring institutional-grade funding rails to consumer crypto experiences,” said Max von Wallenberg, CEO of Iron. “By integrating MoonPay Virtual Accounts, Moto is giving users the speed and reliability they need to access liquidity instantly, without relying on slower traditional funding methods.”
This partnership highlights the growing demand for financial products that blend the flexibility and yield of crypto with the reliability and global acceptance of traditional payment infrastructure. Moto stands out by offering a genuine credit-like experience — users spend first and settle later — backed by on-chain collateral and DeFi yield, rather than functioning as a simple debit card.
With the new Virtual Accounts integration, onboarding and funding become significantly smoother, lowering barriers for users who want premium card benefits without sacrificing crypto advantages.
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