Moola is a financial services app built to allow users to buy, swap, earn and spend both fiat currencies and cryptocurrencies in one place. In the app, staking AXPR unlocks different membership tiers for a crypto debit card. Higher tiers offer greater benefits, such as lower fees or exclusive card designs.

The app supports multiple fiat currencies and many major cryptos. Users can stake AXPR to access upgraded debit card tiers, earn rewards on crypto holdings, and use fiat payment features integrated into the platform. Moola also includes a swap feature allowing crypto-to-crypto trades within the app, with an interface designed for ease of use.