What Is Moto? Solana-Based On-Chain Credit Card Project Raises $1.8M Pre-Seed Round

Moto, a innovative fintech project building native credit card solutions on the Solana blockchain, announced on December 18, 2025, the successful closure of a $1.8 million Pre-Seed funding round.

The round was led by Eterna Capital and cyber•Fund, with participation from notable crypto angels and strategic partners including Privy and Crossmint. The project has opened a waitlist for early access, positioning itself as a bridge between traditional credit infrastructure and on-chain finance in the high-throughput Solana ecosystem. For those searching Solana crypto cards 2026, on-chain credit projects, or Moto waitlist, this funding marks an early milestone in decentralized payment tools blending blockchain speed with real-world spending.

What Is Moto and How Does It Work on Solana?

Moto aims to deliver on-chain credit cards that allow users to spend crypto assets seamlessly in everyday scenarios—online, in-store, or via digital wallets—while leveraging Solana’s low fees and fast settlement. Key features include:

• Native Solana Integration: Built for speed and cost efficiency.
• Credit Lines: On-chain underwriting and borrowing against crypto collateral.
• Card Issuance: Virtual/physical cards linked to blockchain balances.
• Partners: Privy (account abstraction/wallets) and Crossmint (NFT/card minting) for smooth UX.

The project focuses on compliant, user-friendly spending without selling underlying assets, targeting both retail and institutional use cases.

• Core Value: Spend crypto like fiat without off-ramps.
• Ecosystem Fit: Complements Solana’s DeFi, NFTs, and payments growth.
• Waitlist Open: Early registration for priority access.

![Moto solana (Sources:Moto Card website)

Details of the $1.8 Million Pre-Seed Round

The funding provides runway for product development, partnerships, and regulatory compliance ahead of mainnet launch.

• Amount: $1.8 million.
• Lead Investors: Eterna Capital, cyber•Fund.
• Participants: Crypto angels + Privy, Crossmint.
• Stage: Pre-Seed, early validation round.
• Use of Funds: Infrastructure, card issuance, user acquisition.

This capital signals confidence in on-chain payments amid 2025–2026 trends like stablecoin cards and RWA spending tools.

Why On-Chain Credit Cards Matter in the Solana Ecosystem

(Sources:Moto Card website)

Solana’s performance advantages make it ideal for real-time payments, positioning projects like Moto to compete with off-chain solutions. Benefits include:

• Instant Settlement: No multi-day delays.
• Low Fees: Sub-cent transactions vs. traditional networks.
• DeFi Composability: Borrow/spend against yield-bearing assets.
• Global Access: Borderless spending for unbanked/underbanked.

Similar efforts (e.g., earlier Solana pay projects) have gained traction, but Moto’s credit focus adds leverage and flexibility.

Broader Trends in Crypto Payment Cards 2025–2026

The sector is heating up with:

• Visa/Mastercard partnerships expanding stablecoin settlements.
• Competitors like RedotPay, Stripe crypto payouts.
• Regulatory progress enabling bank-issued crypto cards.

Moto’s Solana-native approach targets DeFi users seeking seamless fiat-like spending.

In summary, Moto’s $1.8 million Pre-Seed round on December 18, 2025—led by Eterna Capital and cyber•Fund with Privy/Crossmint support—fuels its Solana-based on-chain credit card vision, now with open waitlist registration. As crypto payments evolve, Moto aims to simplify leveraged spending in the high-speed Solana ecosystem. Join the official waitlist for updates, and explore similar tools while prioritizing secure, compliant platforms in blockchain finance.