Company Overview - Moto Finance has raised $1.8 million in pre-seed funding from Cyber Fund and Eterna Capital to enhance its blockchain-enabled savings account and credit card platform [1] - The company aims to integrate decentralized finance (DeFi) features within a compliant framework for end-users [2] Product Offering - Moto Finance's platform combines a high-interest savings account with a Visa Infinite credit card, allowing users to deposit funds, earn interest, and spend globally [3] - Users can earn interest on deposits and receive cashback rewards sourced from insured mechanisms supported by DeFi protocols [4] Reward Structure - The platform features a tiered reward structure based on deposit levels, with Tier 1 offering 5% cashback and 2% annual interest for deposits between $0 and $100,000 [4] - Tier 2 applies to deposits from $100,000 to $499,999, providing 5% cashback and 3% interest, while Tier 3 covers deposits of $500,000 and above, offering 5% cashback, 5% interest, and additional exclusive benefits [5] Market Positioning - Moto Finance positions itself as an alternative for individuals seeking integrated financial experiences amid low average savings rates in the US banking sector, which are around 0.6% [6] - The company targets users who may otherwise rely on disconnected financial services by unifying spending, saving, and earning functions into a single digital product [6]