Moonight Card

The Moonight Card is a virtual debit card powered by Rain.xyz, enabling users to spend their vault yields in the real world.

How It Works

Vault C (vmoonUSD)
    ↓ withdraw
moonUSD
    ↓ swap (Ekubo)
USDC
    ↓ fund (Rain API)
Virtual Debit Card
    ↓ spend
Visa/Mastercard merchants

Features

Virtual Debit Card

Issued after KYC verification through Rain.xyz
Visa-compatible virtual card (Apple Pay / Google Pay)
Funded from moonUSD vault withdrawals (converted to USDC)
Real-time balance tracking

Auto-Top-Up

Configure automatic refills when card balance drops below a threshold:

Setting	Description	Default
Source	Which vault to withdraw from	Vault C
Threshold	Balance trigger for top-up	$50
Amount	How much to top-up	$200
Frequency cap	Minimum time between top-ups	24 hours

Transaction History

View all card transactions with merchant name, category, amount, and status.

KYC Flow

User initiates KYC from the Moonight app
Redirected to Rain.xyz verification portal
Rain processes identity verification
On approval: virtual card is automatically issued
Card details (number, expiry, CVV) available in the Moonight app

API Endpoints (Backend)

Method	Endpoint	Description
POST	`/api/card/kyc`	Initiate KYC verification
GET	`/api/card/status`	Get card status and details
POST	`/api/card/topup`	Manual card top-up
PUT	`/api/card/auto-topup`	Configure auto-top-up settings
GET	`/api/card/transactions`	Get transaction history

Webhook Events

Rain.xyz sends webhook notifications for card events:

Event	Action
`cardholder.kyc_approved`	Issue virtual card
`cardholder.kyc_rejected`	Notify user
`transaction.authorized`	Log transaction
`transaction.settled`	Final settlement
`balance.low`	Trigger auto-top-up check

All webhooks are verified using HMAC-SHA256 signatures.

Network Note

Card functionality requires mainnet USDC for real transactions. On Sepolia testnet, the card interface is available in sandbox mode for testing the flow.

Credit Card (Coming Soon)

A credit card product with on-chain credit scoring based on:

CDP history and repayment record
Vault deposit duration and size
Protocol participation score

Vault D — Covered Call Development Setup