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 Pointtown's "20 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.

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.

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 (via Rakuten Furusato Nōzei)

Like Rakuten Ichiba, Rakuten Furusato Nōzei earns 1% via Moppy on top of Rakuten SPU and Rakuten points. The bigger the donation, the more it matters — always route year-end donations through Moppy.

⑦ Referrals (the mainstay for intermediates and up)

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

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.

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.

FAQ