Moppy Complete Guide 2026 — From sign-up to cash-out, and how to pull the highest rate

What Moppy is — if you only keep one point site, keep this one

Moppy is a point site run by Ceres Inc. (listed on the Tokyo Stock Exchange Prime market, ticker 3696) and is one of the largest in Japan. It has over 12 million registered members and routinely carries 5,000+ live offers — everything from everyday categories like Rakuten Ichiba, Yahoo! Shopping and furusato nōzei (hometown tax), all the way up to high-payout offers like credit-card sign-ups, FX accounts and brokerage accounts.

Compare point sites side by side for a while and a pattern jumps out: whoever has the highest payout for a given offer is very often Moppy — especially for the high-value credit-card, FX and brokerage offers, where it leads by a clear margin. If you're new and want to start with just one site, Moppy is the safe pick.

Specs at a glance

Unlike Gendama's "10 pt = 1 yen", Moppy is 1 pt = 1 yen, so an offer's payout is obvious at a glance — no mental math, which is a real win for beginners (Pointtown was also revised to 1 pt = 1 yen in 2022).

How to sign up (PC / mobile)

Signing up takes three minutes. But if you realize afterwards that you forgot the invite code, the 2,000-pt welcome bonus is gone for good — so always go in through an invite link first.

Mobile sign-up

1. Open Moppy via an invite link Sign up directly without one and you forfeit the welcome bonus. Go through the column or the point-site list.
2. Enter your email → receive the verification mail Carrier email (docomo / au / softbank) often lags; Gmail / Yahoo Mail is recommended.
3. Set password, nickname, date of birth, gender, prefecture No real name needed. This data is used for ad targeting and does not affect whether offers credit.
4. Complete SMS verification (phone number) Required to prevent duplicate accounts. One number = one account.
5. Set one security question Used to verify identity if you forget your password. Pick one you'll remember.
6. Done → 2,000-pt welcome bonus credited instantly A starter mission appears (do 5+ offers for extra) — worth a look.

Signing up on PC

The flow is the same as mobile, but the PC view often lists "PC-only high-payout offers". For offers that are easier to complete on a big screen — FX or brokerage account openings — open the site in a desktop browser after registering so you don't miss them.

Rate comparison vs other sites — where Moppy wins

The same offer pays differently across point sites. Below are the "categories where Moppy tends to out-pay the rest", drawn from what shows up most often in Pointnavi's data.

While Moppy is strong in many high-value offers, for some offers another company like Hapitas may have a higher reward. That's exactly why the correct approach is "not to fixate on Moppy alone, but to apply at the site with the highest reward per offer." Moppy and Hapitas in particular are the two giants that many points-play users use together, with slightly different strong genres. The features of both, and the approach to which to make main and which sub, are organized in detail in the Moppy vs. Hapitas Comparison. Registering with both lets you choose the higher one each time you apply, reducing misses. Which is higher swaps by offer and timing, so cross-comparing on Pointnavi before applying is the sure way.

7 ways to earn points — in the order to tackle them

① Route Rakuten Ichiba / Yahoo! Shopping (build the habit)

Step one is simply to switch your everyday shopping to go through Moppy. If you spend 10,000 yen a month on Rakuten, that alone earns 100 yen of points automatically each month — zero-effort "auto-savings". Stack SPU on top and the effective rate climbs further.

② Free video / music trials

Hulu / U-NEXT / Spotify Premium / Amazon Music Unlimited and the like pay 700–2,000 yen equivalent the same day for a free trial. Cancel within the trial window and your real cost is zero. Just put the cancel date in your calendar.

③ Credit-card sign-ups (the high-value clincher)

5,000–30,000 yen equivalent per card — the top-tier payout category. Mitsui Sumitomo Card (NL) / Epos / JCB Card W / Rakuten Card are the staples. Issue one annual-fee-free card a month and you've got a 10,000-yen-plus monthly income. Caveats in the next section.

④ FX account + first trade

10,000–30,000 yen equivalent per offer. If you don't want to take on FX risk, the "complete the minimum trade volume, then close immediately" approach keeps your real loss to a minimum — a few hundred yen of spread for a 10,000-yen-plus reward.

⑤ Brokerage account + trade campaigns

SBI / Rakuten / Monex Securities pay 5,000–15,000 yen equivalent for opening an account. Demand is up since the new NISA launched, so campaigns are richer.

⑥ Furusato tax — note on current rules

Furusato nozei (hometown tax donation) remains a valid way to receive regional return gifts within your deductible limit. However, since October 1, 2025, a Ministry of Internal Affairs directive prohibits point-site rewards on furusato nozei donations — including portal-specific points. Routing through Moppy or any other point site no longer earns cashback on furusato nozei. The tax deduction and return gifts themselves remain fully valid, but no additional point-site reward can be stacked on top.

⑦ Referrals (the mainstay for intermediates and up)

Covered below — a long-term income stream for those with a blog or social account.

The decisive move for efficiently piling up points on Moppy is, after all, credit-card issuance offers. Many give a large number of points in one go, reaching a substantial sum in a shorter period than steadily stacking everyday shopping referrals. However, since they're high-value, managing the timing and number of applications matters, and applying for many in a short period can affect screening (see also "mistakes you must not make" later). Which card suits points play, and the application order and cautions, differ by card, so grasping the big picture in the credit card sign-up cashback guide before starting helps avoid misses and screening rejections. Confirm annual fees and accompanying conditions, and issue cards planfully starting from one that fits your main economic zone.

Cash-out routes & fees

Moppy offers 30+ exchange destinations — cash, e-money, partner points. From 300 yen, and most routes are fee-free.

For beginners, PayPay direct is the easiest

If you use PayPay day to day, don't overthink it — direct exchange to PayPay is fastest and simplest. From 500 pt, fee-free, real-time, all on your phone.

JAL / ANA mile collectors: know the post-TOKYU-route playbook

The old "Solachika" and "TOKYU" routes are gone. As of 2026, the go-to path from Moppy to ANA miles is Moppy → JQ CARD → ANA miles, around 81% effective. JAL miles spike to 88% during the "Dream Campaign". For mile collectors, concentrating exchanges during the campaign is the basic strategy.

If exchanging to miles is your main goal, beyond Moppy's own cash-out routes, grasping "which point site exchanges easily to which miles" across the board raises efficiency. Moppy has exchange routes to both JAL and ANA, but the shortcut to the miles you want changes depending on the combination of relays and campaigns. The viewpoint of using point sites by role as a land-mile collector, and the approach to the starting point for JAL fans and ANA fans, are organized in the miles point-site comparison article. Exchange rates, required mile amounts, and campaign conditions change by period, so check the latest with each official source and Pointnavi before actually exchanging.

Referral program — Moppy's signature strength

Once you're seriously aiming for 50,000–100,000 yen a month on Moppy, referrals become the mainstay. Here's how it works:

• 300 pt per person referred (to the referrer)
• When the referred person earns points, 5–30% of that also goes to the referrer (down-line bonus)
• The down-line bonus is paid extra and does not reduce the referred person's points — zero downside for them
• Referrer rank (Gold / Platinum) pushes the down-line rate up to 30%

How to create your referral link

1. My Page → open "Refer a Friend" Your personal invite URL and QR code are shown.
2. Share on social / blog / email Standard practice is to post it alongside the keyword "Moppy" — a bare URL leaves search traffic on the table.
3. Referred friend earns 5,000+ pt in month one → you get a 2,000-pt bonus There are step-up bonuses too, so check the mission terms periodically.

Standing campaigns for 2026

• Bingo: monthly. Clear easy offers to complete a line for up to 1,000 pt.
• JAL Dream Campaign: a few times a year, the window where JAL mile conversion jumps to 88%. Mile collectors must watch for it.
• Referral step-up campaign: bonus for referring several people within a month — e.g. +5,000 pt for 5, +12,000 pt for 10.
• Stamp rally on the 1st: small daily login points plus a month-end extra.
• New-member campaign: depending on timing, up to +5,000 pt for hitting first-month conditions. A bonus if the timing lines up.

5 mistakes to never make

① Doing an offer with cookie-blocking on

Moppy tracks completions with cookies, so if iOS ITP, a browser ad-blocker, or private browsing is on, the completion won't register. Before tapping an offer, check "accept cookies", "ad-blocker off", and "normal mode".

② Bouncing from Moppy's link to another tab/app and back to order

"Open the Moppy offer page → get sent to another site → come back and apply" breaks the cookie trail. Make sure "offer button → application page → completion" all happens within one session.

③ Applying for many credit cards in a short span

Card offers pay well, but applying for 3+ at once in a month causes cascade rejections from multiple applications. Your credit file (CIC) keeps application records for 6 months — one card a month is the safe zone.

④ Opening an FX account without reading the "minimum trade volume"

FX offers usually require something like "complete 1 lot or more", and you get nothing if you miss it. Read the volume, the time window and the eligible currency pair before you start.

⑤ Not reading the offer page's fine print

Terms like "no other point site in the path", "household members excluded", "once per person" decide whether you credit. Always read the "Notes" and "Eligibility" on the offer page — it's the line between earning 10,000 yen and losing it.

Mini glossary — key terms in Moppy and point-site earning

Here are the core terms that tend to trip people up when getting started with Moppy and point sites. Each entry includes the meaning and the key watch-out from a money and crediting standpoint.

These are the foundational concepts for understanding Moppy and point-site earning. Moppy is the one site to keep when starting out — but don't lock yourself to a single site; sign up through whichever pays most for each offer, that's the real play — almost all crediting failures come down to a broken cookie trail, multiple card applications, or missing the fine print. Complete each referral in a single session and always read the offer conditions first.

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