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Moto Finance
DeFi-Backed Consumer Banking
Last verified August 17, 2026 · Updated daily
What Moto Finance is building
Moto is building a Visa Infinite credit card and high-interest savings account that runs on blockchain infrastructure underneath a product that looks and feels like a normal bank account. Deposits earn between 2% and 5% interest depending on balance size. All card spend earns 5% cashback. The yields are generated through DeFi protocols - insured, stablecoin-backed mechanisms - not traditional treasury operations. The card also bundles lifestyle perks: Spotify, Netflix, YouTube Premium, Financial Times, airport lounge access, concierge services, and curated event invitations. The target customer is the next generation of high-balance savers who want DeFi-level returns without having to touch a wallet or understand a protocol.
Why this matters
The conventional neobank model - Revolut, Monzo, Brex - competes on UX and FX rates. The yield is incidental. Moto's entire product thesis is that the yield is the product, and DeFi infrastructure is the only way to deliver it at a margin that makes sense. The founders came from Squads, the largest protocol by value secured on Solana - they built the infrastructure layer first and are now building the consumer layer on top of it. The regulatory environment has shifted materially: the GENIUS Act, Circle's IPO, and the broader institutional acceptance of stablecoins have made a compliant DeFi-backed consumer card viable in a way it simply was not two years ago. Moto is timed well. The gap between what a savings account pays at Chase and what a DeFi protocol pays is still enormous, and the first product to bridge that gap cleanly - compliantly, with a Visa card attached - wins a very large market.
Open roles at Moto Finance
4 positions we're tracking. Roles are re-checked daily and removed when filled.
Solana / Blockchain Engineer
First seen 4 months ago
Compliance and Regulatory Associate
First seen 4 months ago
Growth Marketing Associate
First seen 4 months ago
Customer Operations Associate
First seen 4 months ago
Know when Moto Finance is hiring before anyone else
A role stays uncontested for about four days. Here's the window — and where we put you in it.
From $9/month, cancel any time.
Watching Moto Finance
0 applicantsRole spotted & verified
1You get the alert
1You've applied
~8Hits the job boards
250+Hiring outlook
Pre-seed with explicit hiring priorities named in press release: engineering, compliance, market entry. Two-person team with aggressive roadmap.
Working at Moto Finance
Since , Moto Finance has built DeFi-Backed Consumer Banking. The team is now people. For a Fintech company this size, the reality is opportunity to shape your role based on the company stage.
The majority of roles are in New York.
How to actually get hired at Moto Finance
Why applying the normal way doesn't work
Moto Finance runs an applicant tracking system, but hiring managers still work referrals first. A cold application to Moto Finance isn't dead, it's just fourth in line behind internal referrals, sourced candidates and recruiter pipelines.
Who to contact at Moto Finance
What to show them
The entire product runs on Solana infrastructure. The founders built Squads - the largest multisig protocol on Solana by value secured, and the CTO, Ramses Kamanda, comes from Squads Labs directly. The yield layer, the stablecoin routing, and the settlement logic all live onchain. The first engineering hire needs to extend that protocol work into a consumer product with real compliance constraints - card settlement flows, real-time balance updates, yield distribution across a large user base. This is not a Web2 fintech role with a blockchain badge on it. Core skills: Rust or TypeScript on Solana, Anchor framework, familiarity with Squads multisig architecture, experience with stablecoin or DeFi yield routing, smart contract security fundamentals, understanding of how DeFi protocols interact with fiat settlement layers. For proof of work, fork an existing Solana program, add a basic yield-routing function that splits deposits between two mock protocols based on live APY, and write a short README explaining the design decisions. Post it on GitHub.
A cold email that works at Moto Finance
What Moto Finance screens for
The investor lens makes this sharper. Cyber Fund's published 2025 thesis is AI x Crypto - specifically onchain models and the infrastructure needed to make them operate at scale. Their bet on Moto is a bet that the consumer fintech layer will eventually need AI for underwriting, fraud detection, personalised yield optimisation, and spend analysis. That means an ML or data engineering hire is coming, even if it is not in the first wave. Eterna Capital is a London-based firm that has backed Securitize which partnered with BlackRock to launch a tokenised fund on Ethereum and AscendEX. Their portfolio is consistently in regulated, institutional-grade financial infrastructure. They do not back casual DeFi experiments. When Eterna writes a cheque, they are expecting the company to build toward something audit-ready and exchange-grade. Two investors with two very different but complementary theses - one pushing toward AI capability, one pushing toward institutional credibility - means the hiring roadmap is wider than two founders can cover alone, and it is going to open up fast.
Customize your CV for the Moto Finance role. Matching the job description language helps clear ATS filters.
Don't make these mistakes
Don't send generic crypto enthusiasm. Lead with specific proof of work - a Solana demo, a compliance memo, or a launch campaign. Reference Shimon's debanking report if reaching out for business roles - it is the intellectual origin story of the whole company and acknowledging it shows you read past the press release. For engineering roles, reach Ramses directly and lead with something you built on Solana.
Mistakes that kill Moto Finance applications
Generic CVs stand out at a -person company — and not in a good way. Fastest path to rejection.
Skip 'I'm looking for...' — start with The conventional neobank model - Revolut, Monzo, Brex - competes on UX and FX rates and your specific angle on solving it.
Applying and waiting = silence. Follow up at day five — it roughly doubles your odds of a reply.
Applying to Moto Finance? Get the contact, not the form.
The Moto Finance interview process
4 stages · 14 days typical · take-home: no · modelled from similar companies
We don't yet have verified candidate reports for Moto Finance. What follows is the typical process for a -person Fintech company — treat it as a model, not confirmed detail.
Interview stages
Recruiter Screen
Phone or video · 30 min
Basic qualification and logistics
Recruiter or HR
Hiring Manager Interview
Video call · 45 min
Role fit and experience deep-dive
Hiring manager
Technical/Functional Round
Video call · 60 min
Skills assessment and problem-solving
Team members
Final Round
In-person or video · 60 min
Culture fit and cross-functional alignment
Senior leadership
Moto Finance interview timeline
Expect days total. Compared to similar Fintech companies (14 days median), Moto Finance is about average.
Interviewed at Moto Finance?
Tell us how it went — stages, questions, timeline. Takes 90 seconds and it's how this page stays accurate for the next person.
Submit your Moto Finance interview experience →Moto Finance jobs, frequently asked questions
How many jobs does Moto Finance have open?
4 open roles at Moto Finance, last checked March 2025.
Does Moto Finance hire remotely?
No remote roles right now — all positions are in New York.
What roles is Moto Finance hiring for?
Moto Finance is hiring across Engineering, Other, Marketing, Operations. The most recent opening is Solana / Blockchain Engineer.
How do I apply for a job at Moto Finance?
Use the apply links above, or check our guide to getting hired at Moto Finance.
Does Moto Finance respond to cold emails?
Not enough data yet on Moto Finance's cold email response rates.
Who is the hiring manager at Moto Finance?
At this size, hiring is usually run by the hiring manager.
How competitive is it to get hired at Moto Finance?
Typical applicant count for Fintech roles ( people): 100-250 in two weeks. Apply fast.
How many rounds is the Moto Finance interview?
4 stages: Recruiter Screen, Hiring Manager Interview, Technical/Functional Round, Final Round.
Is the Moto Finance interview hard?
Focus on relevant experience and culture fit, not puzzles. Final Round is reportedly the most challenging round.
Does Moto Finance give a take-home task?
No, Moto Finance does not include a take-home stage.
How long does Moto Finance take to get back to you?
Around 14 days across the full process.
What should I prepare for the Moto Finance interview?
relevant experience and culture fit is the priority. Show you can work autonomously — that matters more than algorithms at people.
Where is Moto Finance based?
Moto Finance is headquartered in New York, US.
Get Moto Finance roles before they're posted
A role stays uncontested for about four days. Here's the window — and where we put you in it.
From $9/month, cancel any time.
Watching Moto Finance
0 applicantsRole spotted & verified
1You get the alert
1You've applied
~8Hits the job boards
250+