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Use cases: Brokerage, prediction & betting

A card on the cash in every account

Let customers spend the cash or winnings in their account with a card in your brand, checked against your own ledger at every purchase, through one API.

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Idle cash, and winnings, without the withdrawal

Brokerage, prediction market and betting customers often hold cash in their account between trades, after a sale or after a win. To spend it they withdraw to a bank and wait a few days, and the money rarely comes back. Many of them would keep it with you if they could spend it from where it sits.

Moon lets you run your own Visa card program on those balances, in your brand and through one API. With real-time authorization enabled for your program, every purchase comes to your system first and is approved against the customer's available cash in your own ledger, so the card spends what the account can spare and nothing leaves until a purchase is made.

Or move money onto the card: when a customer cashes out, your system loads it from your prepaid balance, and the amount is ready to spend once the call succeeds. Each card carries your account ID, so every purchase maps back to the right customer, and webhooks report each one as it happens.

How the money moves

  1. Card issued to the accountacct_77120 · verified
  2. Cash-out loads the cardco_5521 · $640.00
  3. Customer spendsRestaurant · $48.60
See the API call
curl --request POST \
     --url https://api.themooncard.com/v1/api-gateway/card/8f1c611d-098d-4f61-b106-f7b6d344b1ae \
     --header 'accept: application/json' \
     --header 'content-type: application/json' \
     --header 'x-api-key: YOUR_API_KEY' \
     --data '{
        "external_id": "acct_77120",
        "amount": 640.00,
        "metadata": { "cash_out": "co_5521" }
      }'

What your card program can do

  1. 01

    Spend cash between trades

    Let customers pay for everyday purchases with the uninvested cash in their account, approved against their available balance in your ledger, without a withdrawal first.

  2. 02

    Winnings on a card

    When a market resolves or a bet settles, put the winnings on the customer's card in your brand instead of sending a bank withdrawal.

  3. 03

    Cash-outs in seconds

    Load a card the moment a customer cashes out, so the money is spendable right away, while bank withdrawals keep running for those who prefer them.

  4. 04

    Responsible-play controls

    Block gambling merchant categories on a card, or cap what it can spend per day, week or month, so winnings go to everyday life.

  5. 05

    Rewards for active customers

    Reward deposits, referrals and milestones with discounts of up to 10% at major brands, paid from your prepaid balance.

  6. 06

    The card inside your app

    Show the card, its purchases and its controls inside your own app, and let customers freeze or unfreeze it there in one tap.

Why brokerages and prediction markets build on Moon

  • Cash stays in the account

    With real-time authorization, each purchase is approved against the customer's available cash in your own ledger, so balances stay with you until the moment they're spent.

  • Your brand at checkout

    Customers carry a card in your brand and manage it in your app. You set cardholder fees, and they can be zero.

  • Your rules on every purchase

    With real-time authorization, your system decides each purchase: approve against settled cash only, hold back unsettled funds, or decline the categories you choose.

  • Answers for ops and support

    Webhooks report every load, purchase and decline with its reason. Card and load requests accept an idempotency key, so a retry never pays twice, and daily reconciliation files tie each cash-out to your books.

How it works

  1. Connect

    Integrate the Moon API, or start with our team on a pilot.

  2. Issue

    Create cards and send payouts from your own product.

  3. Control

    Set limits per card and see every transaction.

Questions

Does the card spend the account balance directly?
It can. With real-time authorization enabled for your program, every purchase comes to your system first, and you approve or decline it against the customer's available cash in your own ledger. Or load the card from your prepaid balance when a customer cashes out.
Do we have to change our withdrawals?
No. Bank withdrawals keep working. The card is one more way for customers to use their cash, created and managed by API.
Can we keep the card away from betting?
Yes. Block merchant categories such as gambling, or limit a card to the categories you choose, and add spend limits by day, week or month.
Do customers need to verify their identity again?
You already verify them to open an account. If your program requires it, Moon also gives you a hosted identity verification (KYC) link for each cardholder, and a webhook tells you when their status changes.
Where can we launch, and which licenses do we need?
Card programs can launch for customers in the US, Latin America and Southeast Asia. Tell us where your customers are based, and we'll confirm what fits before you build. Cards are issued by Moon's partner financial institutions under their licenses, so you don't need a card-issuing license of your own; you keep the brokerage, prediction-market or gaming licenses your own business needs in each market.
Can we start with a pilot?
Yes. Offer the card to one group of customers first, see how they spend their cash, then open it to everyone. Before any real money moves, the Sandbox runs the same endpoints as production with its own keys: issue cards, load a cash-out, and simulate purchases, refunds and reversals.

Give every account a card on its cash.

Tell us how customers withdraw cash or winnings today, and we'll set up a sandbox for your team.

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