Imagine having the freedom to use your crypto as seamlessly as cash. With Moonwell Card, this vision has become a reality. From buying your morning coffee to shopping online or paying bills, Moonwell Card transforms how you access and spend your crypto in everyday life.

Combining onchain finance with real-world utility, the Moonwell Card is the ultimate crypto debit card. With no annual fees and powerful features like automated top-ups and the ability to borrow against your supplied assets to load funds, the Moonwell Card makes it easy to leverage what’s yours, IRL.

What is the Moonwell Card?

Developed in partnership with Cypher, the Moonwell Card brings your onchain assets into the real world, allowing you to spend your crypto wherever VISA is accepted. With Apple Pay and Google Pay support, automated card reloading, and smart spending controls, Moonwell Card makes managing and spending your crypto simple, secure, and convenient.

Best of all, there are no annual fees, so you can enjoy its benefits forever. And beginning this January, you'll even be able to order a physical Moonwell Card for added convenience.

Behind the scenes, Moonwell Card streamlines the complex fund flow required for real-world spending. When you load your card, USDC is sent to Cypher, where it is redeemed for USD via their Circle Mint account. From there, the funds are routed to Cypher’s partner bank, Reap, enabling instant fiat transactions both in-store and online. This sophisticated infrastructure ensures that your onchain assets are effortlessly transformed into real-world utility, delivering a smooth and reliable payment experience.

A Day in the Life with Moonwell Card

Imagine this:

You’ve supplied Coinbase cbBTC as collateral on Moonwell and borrowed USDC to fund your new Moonwell Card. While your cbBTC remains in the onchain economy and earning interest, you’re free to spend the borrowed USDC wherever you need it.

• Morning Coffee: You stop at your favorite café and tap your phone using Apple Pay or Google Pay linked to your Moonwell Card. The payment processes instantly, just like a traditional debit card.

• Online Shopping: Later, you buy a gift for a friend from an international website. The card’s customizable security controls give you confidence when shopping overseas or purchasing from international merchants.

• Evening Savings: While you’re out enjoying your day, your supplied cbBTC and additional USDC savings in Moonwell’s Flagship USDC Vault continue earning interest and rewards. Later, when you return home and find a bill that needs to be paid, you use your Moonwell Card to settle it instantly. USDC is automatically loaded from the USDC Vault to your card to replenish the balance, ensuring uninterrupted spending while keeping the rest of your yield-earning assets untouched until needed.

Moonwell Card gives you the freedom to spend today while continuing to build your tomorrow.

Effortless Onboarding: Start Spending in Minutes

Getting started with the Moonwell Card is quick and easy. Just follow these four simple steps:

1. Navigate to moonwell.fi

2. Tap on "Get your card"

3. Connect your wallet and complete the KYC verification process

4. Load your card and start spending!

Need additional help? Check out Cypher’s Moonwell Card FAQ. for a detailed onboarding guide including step-by-step instructions, KYC requirements and supported countries.

Flexible Ways to Load Your Moonwell Card

With Moonwell Card, funding your real-world spending has never been easier. Whether you’re loading funds directly or leveraging the power of your supplied assets, Moonwell Card offers seamless and flexible solutions tailored to your needs. Plus, with Auto Load coming soon, topping up your card will be even more effortless.

1. Load

Adding funds to your Moonwell Card is quick and intuitive:

• Load with Available USDC: Instantly top up your card using USDC already in your wallet, directly from the Moonwell app you know and love.

• Borrow and Load: Running low on USDC? Borrow directly against your supplied assets on Moonwell, such as cbBTC, ETH, or AERO. With a single click, you can borrow USDC and instantly load it onto your card, empowering you to spend confidently while keeping your position in the onchain economy intact.

2. Auto Load

Take your spending to the next level with the upcoming Auto Load feature:

• Earn rewards in the Morpho-powered Moonwell Flagship USDC Vault.

• Enable automatic reloading from your Vault holdings when your card balance falls below a customizable threshold, ensuring uninterrupted spending.

• Set both a balance threshold and top-up amount, giving you precise control over how and when your card is funded.

With these loading options, the Moonwell Card gives you the flexibility to stay prepared for any spending need while keeping your onchain assets working for you.

Built for Security, Convenience, and Control

The Moonwell Card is packed with advanced features to make using, managing, and securing your card effortless:

• Apple Pay and Google Pay Support: Add your Moonwell Card to your favorite digital wallet for fast and convenient contactless payments.

• Instant Security: Freeze your card with a single tap to protect your funds.

• Customizable Purchase Controls: Manage international transactions and tailor spending rules to your needs.

• Smart Spending Limits: Set daily and weekly spending caps for added flexibility and peace of mind.

• Real-Time Notifications: Stay informed of every transaction with instant alerts via email and Cypher’s Telegram bot.

Take full control of your Moonwell Card using tools designed for flexibility and convenience:

• Moonwell App: Simplify card management with the Moonwell app. Easily load your card, borrow and load funds, and set up Auto Load to ensure uninterrupted spending.

• Cypher’s Moonwell Card Dashboard: Gain detailed insights and control with Cypher’s Moonwell Card dashboard. View card details, track transaction history, set spending limits, and manage security controls.

Ready to Unlock the Power of Onchain Finance?

The Moonwell Card is more than just another crypto debit card — it’s a bridge between your onchain assets and the real world. Spend smarter, manage effortlessly, and take control of your financial future today.

With powerful features and unmatched flexibility, the Moonwell Card empowers you to leverage what’s yours while continuing to build your tomorrow. Find us at moonwell.fi, and connect on social — X and Discord.

Note: Card services are provided through our partner, CypherD Wallet Inc, and require KYC verification to ensure regulatory compliance.