SPEND SMART

MOCAFI PREPAID CARD

The MoCaFi Prepaid Card is issued by Sunrise Banks N.A., Member FDIC, pursuant to a license from Mastercard International Incorporated.

No enrollment fee.  No fee to make domestic debit purchases.  No fees to direct deposit, move money from a linked bank account or pay bills (other fees apply; see Cardholder Agreement for a full list of fees).  Deposit funds from approved checks via photo using Ingo™ Money3 . Load cash using Mastercard® rePower or GreenDot @ the RegisterTM. Create up to five sub-cards for managing allowances, budgets, and money sharing among family and friends. Share money with MoCaFi cardholders at no cost. Track all card transactions in real-time in the MoCaFi app. 

CARD FEES

BUILD CREDIT

MOBILITY SCORE 

The Mobility Score6 is our proprietary algorithm for measuring and rewarding positive financial health.

We use your activity on the platform to assess money management, financial literacy, and financial planning activities. Mobility Scores are used to provide access to services and resources that can stabilize and improve your financial position.

GET MOCAFI

DO YOU

MOBILITY PATHS 

Mobility Paths7 are a set of financial steps and requirements that must be met to achieve an economic goal.

With our financial partners, we are developing roadmaps to securing home mortgages, new apartment leases, and small business funding through money management , financial planning, and educational activities on the MoCaFi platform.

GET INVITED TO THE BETA LAUNCH

The Akimbo MoCaFi Prepaid Mastercard is issued by Sunrise Banks N.A., Member FDIC, pursuant to a license from Mastercard International Incorporated. This card may be used everywhere Debit Mastercard is accepted. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Use of this card constitutes acceptance of the terms and conditions stated in the Cardholder Agreement.

1 Board of Governor’s of the Federal Reserve Report on the Economic Well-Being of US Households 2017

2 2017 FDIC National Survey of Unbanked and Underbanked Households

Ingo Money is a service provided by Ingo Money, Inc. and First Century Bank, National Association, Member FDIC, subject to Ingo Money and First Century Bank Terms & Conditions and Privacy Policy. Approval review usually takes 3-5 minutes, but may take up to one hour. All checks are subject to approval for funding in Ingo Money’s sole discretion. Unapproved checks will not be loaded to your card. Ingo Money reserves the right to recover funds from bad checks if you knew the check was bad when you submitted it, if you attempt to cash or deposit it elsewhere after funding or if you otherwise act illegally or fraudulently. Fees may apply for loading or use of your card. See your Cardholder Agreement for details.

The Rental Payment Reporting, Mobility Score, and Mobility Path features are not Sunrise Banks N.A. products or services, nor does Sunrise Banks N.A. endorse this feature.

Results may vary depending on the user's specific credit profile.  Tenants who are more than 30 days past due will be reported to the credit bureaus for non-payment.  Tenants with inconsistent reporting may see a decrease in their credit score.

Mobility Score is not  a Sunrise Banks N.A. products or services, nor does Sunrise Banks N.A. endorse this feature.

The Mobility Path is not a Sunrise Banks N.A. products or services, nor does Sunrise Banks N.A. endorse this feature.

8 Economic Policy Institute: How African-Americans have been shortchanged out of the materials to build wealth

No liability is assumed by MoCaFi resulting from the use of the information contained in any financial illustrations. You are solely responsible for any financial decisions you make.  MOCAFI MAKES NO WARRANTY AS TO THE RESULTS THAT YOU MAY OBTAIN FROM YOUR SESSION WITH A MOCAFI COUNSELOR AND ANY INFORMATION OR ADVICE YOU RECEIVE.  MOCAFI WILL NOT BE LIABLE FOR ANY DIRECT, CONSEQUENTIAL OR INCIDENTAL DAMAGES, WHETHER FORESEEABLE OR NOT, WHICH MAY RESULT FROM YOUR SESSION WITH A MOCAFI COUNSELOR.  MoCaFi respects your privacy and will maintain the confidentiality of any information you provide to a MoCaFi counselor in accordance with the MoCaFi Privacy Policy available on the MoCaFi website at MoCaFi.com.

BUILD CREDIT

RENT REPORTING & VANTAGESCORE 

Make rent payments4 count toward your credit profile by reporting them to Equifax and TransUnion each month.  

We give you the ability to report by uploading rental receipts or paying rent electronically from your MoCaFi Prepaid Card.  Some of our customers have seen scores improve by 50 points after consecutive months of reporting5.  We offer rent payment and reporting as a free service to all of our customers. VantageScore Tracker by Equifax is a free tool to track the behavior of your credit profile over time. VantageScore is growing as a rival to FICO for thin-credit file consumers with 12 billion scores provided to consumers and lenders  between 2018 and 2019.

GET MOCAFI

WOLE COAXUM 
FOUNDER & CEO of MOCAFI

ABOUT MOCAFI

MISSION

BRIDGING THE INEQUALITY GAP

Mobility Capital Finance is a fintech startup with a mission to provide low-cost financial services to communities disconnected from the mainstream economy.  We have a particular focus on closing the racial wealth gap, where more than one in four Black households have zero to negative wealth8
MoCaFi is based in Newark, NJ and Harlem, NYC.

DO YOU

START YOUR PATH TO FINANCIAL MOBILITY WITH THE MOCAFI PREPAID MASTERCARD®

THE STRUGGLE IS REAL

40% of Americans need to borrow or sell something to cover an emergency 1.  
Nearly 50% of Black and Hispanic households are unbanked or underbanked2
It's time to transform our relationship with money, credit, and per sonal growth.

IMPORTANT DISCLOSURES

COMPANY

215 West 125th St
New York, NY 10027

1 Washington Place
Newark, NJ 07102

1-800-342-7374

support@mocafi.com

DO YOU

START YOUR PATH TO 
FINANCIAL MOBILITY WITH A 
MOCAFI PREPAID MASTERCARD®

THE STRUGGLE IS REAL

40% of Americans need to borrow or sell something to cover an emergency 

Nearly 50% of Black and Hispanic households are unbanked or underbanked  

It's time to transform our relationship with money, credit, and personal growth

MOCAFI PREPAID CARD

The MoCaFi Prepaid Card is issued by Sunrise Banks N.A., Member FDIC, pursuant to a license from Mastercard International Incorporated 

No enrollment fee.  No fee to direct deposit, make domestic debit purchases or pay bills (other fees apply; see Cardholder Agreement for a full list of fees).  Deposit funds from approved checks via photo using the Ingo™ Money. Load cash using Mastercard® rePower or GreenDot @ the RegisterTM. Create up to five sub-cards for managing allowances, budgets, and money sharing among family and friends. Share money with MoCaFi cardholders at no cost. Track all card transactions in real-time in the MoCaFi app.

SPEND SMART

ENROLL IN THE APP

BUILD CREDIT

RENT REPORTING + 
VANTAGE
SCORE TRACKER

Make rent payments count toward your credit profile by reporting them to Equifax and TransUnion each month  

We give you the ability to report by uploading rental receipts or paying rent electronically from your MoCaFi Prepaid Card.  

Some of our customers have seen scores improve by 50 points after consecutive months of reporting5.  We offer rent payment and reporting as a free service to all of our customers.

VantageScore Tracker by Equifax is a free tool to track the behavior of your credit profile over time. VantageScore is growing as a rival to FICO for thin-credit file consumers with 12 billion scores provided to consumers and lenders  between 2018 and 2019.

ENROLL IN THE APP

RENT REPORTING + 
VANTAGE
SCORE TRACKER

GET MOCAFI

BUILD CREDIT

CREDIT BUILDER LOANS

MoCaFi credit builder loans2 of up to $500 are offered to qualified borrowers with 6 months of current rent payment history and have completed a financial coaching session with a MoCaFi Financial Coach.  Approved borrowers who direct deposit to their MoCaFi card are eligible to receive a 2% interest rate reduction.

LEARN MORE

BUILD CREDIT

MOBILITY SCORE

The Mobility Score is our proprietary algorithm for measuring financial health

We use your activity to assess money management, financial literacy, and financial planning activities performed in the MoCaFi app and service platform.  Mobility Scores are used to provide access to services and resources that can stabilize and improve your financial position.

GET MOCAFI

DO YOU

MOBILITY PATHS

Mobility Paths are a set of financial steps and requirements that must be met to achieve an economic goal 

With our financial partners, we are developing roadmaps to securing home mortgages, new apartment leases, and small business funding through money management , financial planning, and educational activities on the MoCaFi platform.

GET MOCAFI

TESTIMONIAL

MoCaFi is one of my tools for creating a better financial life. Reporting rent with the app is safe & simple. My score went up 50 points one month after reporting 

MISSION

BRIDGING THE INEQUALITY GAP

Mobility Capital Finance is a fintech startup with a mission to provide low-cost financial services to communities disconnected from the mainstream economy.  We have a particular focus on closing the racial wealth gap, where more than one in four Black households have zero to negative wealth8.
MoCaFi is based in Newark, NJ and Harlem.

ABOUT MOCAFI

DOWNLOAD THE APP


ENROLL IN THE CARD


START YOUR PATH TO FINANCIAL MOBILITY

Board of Governor’s of the Federal Reserve Report on the Economic Well-Being of US Households 20172017 FDIC National Survey of Unbanked and Underbanked HouseholdsEconomic Policy Institute: How African-Americans have been shortchanged out of the materials to build wealth

EDUCATION

DEVELOP YOUR WEALTH MINDSET

Get the MoCaFi Guide to Building Wealth to start transforming your thinking about money, credit, and personal growth.

TIFFANY, NEW YORK

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