New York City, January 2, 2026
Moto Finance Inc., a financial technology startup, has successfully completed a $1.8 million pre-seed funding round. Led by Cyber Fund and Eterna Capital, this investment will support the development of a new blockchain-driven platform aimed at transforming traditional savings and credit services with decentralized finance features. Founded by experienced entrepreneurs, the platform promises high-interest savings accounts and premium credit cards, catering to a growing consumer demand for modern financial solutions.
Moto Finance Inc. Raises $1.8 Million to Revolutionize Banking
A New Blockchain-Driven Financial Platform Set to Change Savings and Credit Services
New York, NY – On January 1, 2026, Moto Finance Inc., a promising financial technology startup, announced a significant achievement by completing a $1.8 million pre-seed funding round led by Cyber Fund and Eterna Capital. This capital investment is set to bolster the creation of Moto’s innovative blockchain-powered financial platform, which aims to transform traditional savings and credit card services by infusing them with decentralized finance (DeFi) features.
Founded by Shimon Newman and Ramses Kamanda, both pioneers previously engaged in significant roles at Squads—the largest protocol by value secured on the Solana blockchain—Moto Finance Inc. is at the forefront of bridging traditional finance with the burgeoning world of DeFi. Their platform promises users attractive savings accounts and premium Visa Infinite credit cards designed to offer a seamless combination of conventional financial services with cutting-edge technology.
Innovative Financial Structure
The Moto platform features a tiered structure aimed at rewarding users with increasing benefits based on their deposited balances:
- Tier 1: Deposits from $0 to $100,000 offer 5% cashback on card purchases and 2% interest on deposited funds.
- Tier 2: For deposits from $100,000 to $499,999, users receive the same 5% cashback plus 3% interest.
- Tier 3: Deposits of $500,000 and above provide the user with 5% cashback, 5% interest, along with exclusive benefits.
This structured approach not only incentivizes users to engage deeply with the Moto ecosystem but also maintains consistent benefits across all tiers, fostering a more rewarding banking experience.
Emerging Consumer Interest
Consumer appetite for alternatives to traditional financial products has surged, driven by unfavorable savings rates offered by conventional banks. Average bank savings rates in the U.S. continue hovering near historic lows, encouraging individuals to explore more integrated and rewarding financial options. Platforms like Moto Finance are seizing this opportunity by offering modern, user-centric solutions that cater to the changing landscape of consumer expectations.
Plans for Future Development
With the completion of this crucial pre-seed financing, Moto Finance is poised to accelerate its platform development further. Upcoming priorities include technological innovation, expanding the internal engineering and compliance teams, and cultivating partnerships with regulatory and infrastructure providers, ensuring a robust and compliant launch.
Exclusive Lifestyle Benefits for Users
Moto’s offering goes beyond financial incentives. Cardholders will have access to a premium suite of lifestyle benefits, including subscriptions to digital services such as Spotify Premium, YouTube Premium, Netflix, and the Financial Times. Additionally, the Visa Infinite card will grant access to global concierge services, airport lounges, and invitations to carefully curated events, ensuring a luxurious experience for its users.
How to Stay Informed
Individuals interested in gaining early access to Moto’s revolutionary platform can join the company’s waitlist by visiting their website. With increasing consumer interest in streamlined financial services, Moto Finance Inc. represents a significant step toward an innovative banking future.
Conclusion
The announcement of Moto Finance Inc.’s successful funding round is a testament to the resilience and ingenuity of local entrepreneurs in New York, NY. As they leverage blockchain technology to improve financial products, they create new pathways for consumer engagement and satisfaction. This initiative aligns well with the ongoing trends of innovation and investment in the financial technology sector, positioning Moto as a significant player in the economy. Support for such startups fosters economic growth, community involvement, and a bright future for all involved.
Frequently Asked Questions (FAQ)
What is Moto Finance Inc.?
Moto Finance Inc. is a financial technology company developing a blockchain-enabled platform that combines a high-interest savings account with a premium credit card. The company aims to integrate modern financial infrastructure with consumer-friendly rewards and lifestyle benefits, offering users a single experience for saving, spending, and earning.
How much funding did Moto Finance Inc. raise?
Moto Finance Inc. raised $1.8 million in pre-seed funding from Cyber Fund and Eterna Capital.
What will the funding be used for?
The funding will support product development, regulatory infrastructure, and the initial rollout of Moto’s blockchain-powered financial platform designed for individuals seeking modern approaches to saving, spending, and wealth management.
Who are the founders of Moto Finance Inc.?
The company was founded by Shimon Newman and Ramses Kamanda, who previously worked at Squads, the largest protocol by value secured on Solana.
What are the key features of Moto’s platform?
Moto’s platform offers a tiered structure based on deposited balances, providing users with high-interest savings accounts and Visa Infinite credit cards. The platform integrates traditional consumer finance features with decentralized finance (DeFi) infrastructure, allowing users to earn interest on deposits and receive cashback rewards.
What lifestyle benefits do Moto cardholders receive?
In addition to financial incentives, Moto cardholders will receive a suite of premium lifestyle benefits, including access to select digital subscriptions such as Spotify Premium, YouTube Premium, Netflix, and the Financial Times. The Visa Infinite card also includes access to global concierge services, airport lounges, and invitations to exclusive events and curated dining and lifestyle experiences.
How can consumers access Moto’s platform?
Consumers interested in early access to Moto’s platform can join the company’s waitlist by visiting [http://moto-card.com](http://moto-card.com).
Key Features of Moto Finance Inc.’s Platform
| Feature | Description |
|---|---|
| High-Interest Savings Accounts | Users can earn interest on deposited funds through insured, DeFi-powered yield generation mechanisms. |
| Visa Infinite Credit Cards | Provides users with a premium credit card offering 5% cashback on all purchases and additional exclusive benefits. |
| Tiered Structure | Offers three tiers based on deposited balances, each providing varying levels of interest rates and benefits. |
| Lifestyle Benefits | Includes access to digital subscriptions, global concierge services, airport lounges, and invitations to exclusive events. |
| Integrated Financial Experience | Combines traditional finance features with decentralized finance infrastructure, allowing users to save, spend, and earn rewards seamlessly. |
Now Happening on X
- @usemotocard (December 16, 2025): Announcing Moto’s $1.8M pre-seed round led by @eternacapital and @cyberFund, introducing the first true onchain credit card powered by @solana, with waitlist now live. View on X
- @Richbycoin_com (January 1, 2026): Moto Finance secures $1.8 million in pre-seed funding to develop a blockchain-enabled platform combining high-interest savings with a Visa Infinite card and DeFi-backed yields. View on X
- @OndoFinance (November 30, 2025): The institutional era of tokenization is underway, with the New York Fed highlighting open blockchains and major asset managers advancing onchain money market funds. View on X
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- @Shahzaib0x (January 1, 2026): Bullish on BTCfi with projects like @Lombard_Finance and @GOATRollup making Bitcoin productive, liquid, and composable on-chain for real utility. View on X
- @Cointelegraph (July 23, 2025): Goldman Sachs and BNY Mellon launch tokenized money market funds on blockchain, targeting the $7.1T industry with support from BlackRock and Fidelity. View on X
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