MOA-Fi Web 1.0 is the first — and currently the only — platform that enables Solana-based stablecoins to access EVM vaults entirely through Circle’s CCTP. This means users can deposit Solana-based USDC and seamlessly access top-performing EVM and non-EVM yield strategies with just one click. A key technical milestone is that MOA-Fi’s entire bridging, routing, and execution layer is powered exclusively by Circle’s Cross-Chain Transfer Protocol (CCTP) — ensuring all user deposits move across chains in a secure, canonical, and fully USDC-native manner. This makes CCTP the backbone of our multi-chain yield infrastructure. MOA-Fi does not rely on third-party bridges; all cross-chain movements occur only through CCTP for maximum security and UX simplicity. Users interact with a simple “one-click” interface, while every behind-the-scenes transfer is CCTP-native, preserving canonical USDC throughout the lifecycle. As we expand to more chains, protocols, and strategies, CCTP becomes the default interoperability layer across the MOA ecosystem.
- DeFi Apps
- Fintechs
- Neobanks
- Payments
- Cross-Chain Transfers
- USDC
- CCTP
- Base
- Ethereum
- Solana
- Monad
- No
- Android
- iOS
- Web
- Free
- APAC
- Hong Kong
- Indonesia
- Japan
- Malaysia
- Singapore
MOA Protocol is a borderless financial ecosystem that unifies global payments, on-chain yield generation, and stablecoin foreign exchange into one seamless Web3 lifestyle platform. It turns digital assets into a complete wealth & lifestyle experience
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 — 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 the first, and currently the only platform that enables Solana-based stablecoins to access EVM vaults entirely through Circle’s CCTP. Future iterations expand support to TRC & USD1 stablecoins and evolve into an AI-powered on-chain Neobank, optimizing portfolio allocation and maximizing returns around the clock.
2. MOA Card - Global Payment + Lifestyle Membership
A global payment card enabling real-time spending of MOA tokens, USDT/USDC/USD1, and fiat 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 (e.g., USDT → EURC, KRW1 → JPYC) to bypass legacy FX systems — unlocking efficiency for cross-border settlements and remittances.
Competitive Advantage
• One Ecosystem — Unifies yield, payments, and FX under a single protocol
• Cross-Chain Abstraction — MOA-Fi’s entire bridging, routing, and execution layer is powered exclusively by Circle’s Cross-Chain Transfer Protocol (CCTP)
• Real-World Utility — A payment card with lifestyle perks bridges DeFi to everyday life
• Scalability — Stablecoin-driven, adaptable to any fiat currency market
By combining transparency, security, and user empowerment, we establish the new paradigm for borderless finance.
Card, Finance, and Swap — All in one place
My Own Access, a new standard where rewards become finance
Use Cases
This site contains content and information, including links to other sites and resources, that was prepared by third parties ("Third Party Content") who are not affiliated with Circle or any of its affiliates (collectively "Circle"). Circle makes no representations on the accuracy, suitability, or validity of Third Party Content. As such, Circle is neither responsible nor liable for any Third Party Content, including any errors, omissions, or delays, or for any actions taken in reliance upon any Thirds Party Content. Reference to any specific company, product, service, or website of any third party does not constitute an implied or express endorsement, recommendation, favoring or validation by Circle. All content provided is for educational and informational purposes only. Circle shall not be liable for any damage or loss relating to use of, or reliance upon, the Third Party Content.