Directory/MOA Protocol
MOA Protocol

MOA Protocol

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Category
  • DeFi Apps
  • Fintechs
  • Neobanks
  • Payments
Use Cases
  • Cross-Chain Transfers
Circle Products Used
  • USDC
  • CCTP
Blockchains Supported
  • Base
  • Ethereum
  • Solana
  • Monad
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  • Android
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MOA Protocol

A borderless financial ecosystem that unifies global payments, onchain yield generation, and stablecoin foreign exchange into one seamless Web3 lifestyle platform.

MOA Protocol is a borderless financial ecosystem that empowers anyone to manage and grow wealth without the limits of traditional finance. Founded on transparency, security, and user empowerment, MOA is redefining wealth management by uniting the efficiency of blockchain with the privileges of global living.

Our mission is to build a global ecosystem where everyone can manage and utilize their wealth freely through blockchain technology and innovative financial infrastructure.

The MOA Ecosystem

1. MOA-Fi - Universal Stablecoin Yield Aggregator

A stablecoin-centric yield protocol aggregating opportunities across both EVM and non-EVM ecosystems. By removing cross-chain complexity, MOA-Fi enables users to deposit stablecoins once and access industry-leading yields through a single, Solana-native interface. It is designed to let Solana-based stablecoins access EVM vaults through an integrated cross-chain routing layer.

2. MOA Card - Global Payments + Lifestyle Membership

A global payment card enabling real-time spending of MOA tokens, digital dollars, and other fiat-referenced stablecoins at online and offline merchants. Partnerships across hospitality, aviation, retail, dining, and healthcare drive adoption with tiered memberships (Entry → Infinite) and lifestyle rewards.

3. MOA Swap - Next-Generation Stablecoin FX

A foreign currency stablecoin exchange enabling near-instant, low-cost swaps to bypass legacy FX systems, unlocking efficiency for cross-border settlements and remittances.

The MOA Advantage

  • One Ecosystem: Unifies yield, payments, and FX under a single protocol.
  • Cross-Chain Abstraction: MOA-Fi’s bridging, routing, and execution layer is built on a canonical cross-chain transfer architecture that preserves stablecoin integrity across networks.
  • Real-World Utility: A payment card with lifestyle perks bridges DeFi to everyday life.
  • Scalability: MOA is stablecoin-driven and adaptable to any fiat currency market.

By combining transparency, security, and user empowerment, we are establishing a new paradigm for borderless finance: Card, Finance, and Swap — All in One Place.

Use Cases

MOA-Fi (www.moafi.io)

MOA-Fi Web 1.0 is designed to let Solana-based stablecoins access EVM and non-EVM yield strategies through a single, integrated cross-chain routing layer. Users can deposit Solana-based stablecoins and seamlessly reach curated yield opportunities with one click, without managing bridges or complex multi-step workflows. The bridging, routing, and execution layer is built to preserve canonical stablecoins across networks, avoiding third-party bridge risk and simplifying UX. Users interact with a simple “one-click” interface while all cross-chain movements are handled behind the scenes in a controlled, infrastructure-grade environment. As MOA-Fi expands to more chains, protocols, and strategies, this architecture will become the default interoperability layer across the MOA ecosystem.

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Ready to connect with MOA Protocol?

Digital assets are subject to a number of risks, including price volatility. Transacting in digital assets could result in significant losses and may not be suitable for some consumers. Digital asset markets and exchanges are not regulated with the same controls or customer protections available with other forms of financial products and are subject to an evolving regulatory environment. Digital assets do not typically have legal tender status and are not covered by deposit protection insurance. The past performance of a digital asset is not a guide to future performance, nor is it a reliable indicator of future results or performance. Additional disclosures can be found on the Legal and Privacy page.

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