40% of Americans need to borrow or sell something to cover an emergency1. Nearly 50% of Black households are unbanked or underbanked2. It’s time to transform our relationship with money, credit, and personal growth.


The MoCaFi Prepaid Card is issued by SunRise Banks, Member-FDIC. No fees to direct deposit, move money from a linked bank account, or pay bills (other fees may apply; see Cardholder Agreement for a full list of fees). Deposit approved checks using the Ingo™ Money Service¹ or load cash using Reload at the Register™ powered by Greendot. Create up to five sub-cards for managing allowances and budgets. Share money with MoCaFi cardholders at no cost and track all transactions in real-time in the MoCaFi app.

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Report positive rent payment history to Equifax and TransUnion by uploading rental receipts in the app or paying rent electronically with 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.

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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.

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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”
— Tiffany, New York

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


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 or negative net worth8. MoCaFi is based in Newark, NJ and Harlem, NYC.


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

3 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.

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

5 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.

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

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

MoCaFi Wealth Coaching Session is provided to you by a MoCaFi counselor. Your session is based on the information provided by you to your MoCaFi counselor related to your financial needs and objectives. Your session is intended to provide only broad, general guidelines which may be helpful in assessing and making decisions about financial products and services which may be available to you (such as securities, insurance, lending, banking services, credit reporting, etc.) and that may help meet your needs and objectives. Your session may also contain general educational topics about investing and financial matters. It is most important that you understand that your actual experience will differ from the discussions held during your session. That is why you should reassess your financial needs and objections with updated data and assumptions on a regular basis.  The discussions provided during your session are not intended to be investment advice or a projection of future investment performance.  Discussions provided during your session are not a projection of the potential return of any investment, nor are they a projection of future inflation rates or the state of the world or domestic economy. You should seek the guidance from a financial or investment professional before proceeding with any investment decisions. Any illustrations provided during your session do not contain income tax calculations and legal concepts. The discussions provided during your session do not constitute tax or legal advice.

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

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