Moomoo Expands Crypto Access and AI Tools as Retail Investors Grow More Sophisticated

TLDR

• Moomoo U.S. has expanded crypto trading to Texas, now available in five states with 32 cryptocurrencies and zero commission trades
• The platform launched Direct Crypto Deposit & Withdraw, letting users move assets between Web3 wallets and their Moomoo account
• Moomoo released API Skills, allowing users to connect their own AI agents to the platform to build investment strategies
• Executives say retail investors are becoming more disciplined, using options strategies and looking beyond big tech for AI-related plays
• Moomoo was the first U.S. brokerage to offer retail access to Figure Technology Solutions’ blockchain-native share offering

Moomoo U.S. has expanded its cryptocurrency trading to Texas and launched a new direct crypto transfer feature, continuing its push to build a single platform for both traditional and digital asset investing.

Texas investors can now trade 32 cryptocurrencies on Moomoo with zero commission and a transaction fee as low as 0.49%. The service is now live in California, New Jersey, Pennsylvania, Texas, and additional states.

The new Direct Crypto Deposit & Withdraw feature lets users move supported cryptocurrencies between external Web3 wallets and their Moomoo accounts. Once transferred, crypto can be converted to fiat and used across the platform’s other investment options.

Moomoo supports connections with dozens of leading wallets and exchanges and offers access to more than 50 cryptocurrencies in the U.S., including newer listings such as MON and BNB.

To mark the Texas launch, Moomoo is running a limited-time rewards program. New crypto traders can earn $10 in Bitcoin for a first trade over $1,000, $15 more for completing three trades totaling $3,000, and $35 for reaching $10,000 in total trading volume.

AI Tools and Changing Investor Behavior

On the technology side, Moomoo recently launched API Skills. This feature lets users connect their own AI agents to Moomoo’s infrastructure and turn natural-language investment ideas into structured strategies.

McDonald said the platform’s 30 million retail clients are paying closer attention to macro factors like interest rates, inflation, and geopolitics. Options activity surged throughout 2025 and has continued rising into 2026, with users employing covered strategies, protective puts, spreads, and multi-leg positions.

He also said retail interest in AI-related investments has broadened beyond large tech companies to include semiconductors, data centers, cybersecurity, and software productivity.

Tokenization and Blockchain Infrastructure

Albi Mema, Director of Crypto Operations at Moomoo U.S., said the near-term benefits of tokenization are mainly for institutions, covering faster settlement and more efficient issuance. The retail impact, he argued, comes later.

Moomoo was the first U.S. brokerage to give retail investors access to Figure Technology Solutions’ blockchain-native share offering, the first SEC-registered public equity issued in blockchain-native form.

Both executives pushed back on the idea that retail investors panic during market downturns. McDonald said many use volatile periods to reassess portfolios and find opportunities. Mema added that the old stereotype of retail investors chasing headlines “is too simplistic.”

The company said it plans to keep expanding crypto capabilities and geographic availability in the U.S. in the months ahead.

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