MOA: My Own Access

MOA Redefining the way you manage wealth. An all-in-one Web3 finance platform to earn, spend, and exchange digital assets.

Grow·Spend·Swap

APP REVIEW

Finance, Card, and Swap
— All in One Place

MOA brings asset growth, global payments, and stablecoin exchange into one seamless app — built for the next generation of finance.

Features

From Digital Wealth to Daily Life

Open Access

Blockchain-powered, stablecoin-based access to global financial opportunities for everyone.

Decentralized Growth

Aggregated yield opportunities across chains, simplified for better returns without complexity.

Seamless Global Use

Use your digital assets as real money, anywhere in the world.

Real-World Integration

Connect Web3 finance with everyday life — travel, retail, dining, healthcare, and more.

Borderless Liquidity

Fast, low-cost stablecoin FX without borders or friction.

AI Optimization

AI-driven rebalancing keeps your assets continuously optimized.

Products

One Platform. Three Core Products.

MOA-Fi

Stake once. Stay in control. Earn everywhere.

MOA-Fi is a stablecoin-centric yield protocol that aggregates top-performing DeFi strategies across chains. Access the best available yields without cross-chain complexity.

Unlock Your Finance

MOA Card

Swipe once. Unlock global access. Enjoy exclusive perks.

With the MOA Card, stablecoins and MOA Tokens move beyond wallets into real-world spending. Pay globally and enjoy exclusive partner benefits across travel, retail, dining, healthcare, and more. The MOA Card is available in four membership tiers: the White,the Blue, the Red, and the Black.

Apply Your Card

MOA Swap

Swap once. Cross chains. Stay stable.

Instantly exchange USDC, USDT, fiat-pegged stablecoins, and major digital assets on a single, seamless platform.

Swap Instantly

How It Works

From Sign-Up to Real-World Use. Simplified.

Sign up with your email

Create your MOA account easily using just your email — no complex setup required.

Wallet auto-created

Your MOA wallet is auto-created at sign-up, giving you instant access to your assets.

Earn with MOA-Fi

Put your stablecoins to work with MOA-Fi and access optimized DeFi yields across chains — all in one place.

Spend with MOA Card

Use your assets in real life with the MOA Card. Pay globally and enjoy exclusive partner benefits.

MOA-Fi

One Deposit. Optimized Yield.

Earn without complexity

MOA-Fi simplifies how you earn with stablecoins. Access curated DeFi strategies without manual steps, bridging, or cross-chain hassle.

Cross-chain yield, unified

Tap into yield opportunities across multiple chains from a single, seamless interface — without managing multiple wallets or protocols.

Designed for automated optimization

MOA-Fi is built to support automated rebalancing and smarter yield routing as the protocol continues to evolve.

Simplifying asset management

MOA-Fi organizes stablecoin yield into a single, streamlined flow. By reducing unnecessary steps, it minimizes the effort required to manage your assets.