diff --git a/public/assets/my.js b/public/assets/my.js
index b4f9f1c..a03273e 100644
--- a/public/assets/my.js
+++ b/public/assets/my.js
@@ -1182,6 +1182,23 @@
 
   // ── in-dashboard package buying ──
   const PKG = { 1: 'Micro', 2: 'Activation', 3: 'Builder', 4: 'Growth', 5: 'Leader' };
+  // Card on-ramp: buy POL with a card via MoonPay, delivered to the buyer's own
+  // wallet. Signed + wallet-prefilled once MoonPay keys are set; generic page
+  // otherwise. The site never touches funds — MoonPay is merchant of record.
+  async function openMoonpay(pol) {
+    try {
+      let addr = '';
+      try { const me = await (await fetch('/api/me')).json(); addr = me.address || ''; } catch (e) {}
+      const q = '/api/moonpay-url?pol=' + encodeURIComponent(pol || '') + (addr ? '&address=' + encodeURIComponent(addr) : '');
+      const r = await (await fetch(q)).json();
+      if (r && r.url) {
+        window.open(r.url, '_blank', 'noopener');
+        IAP.status(r.signed
+          ? 'MoonPay opened in a new tab with your wallet address pre-filled. Choose POL on Polygon, finish the purchase, then come back and buy your package.'
+          : 'MoonPay opened in a new tab. Choose POL on the Polygon network and paste your own wallet address as the destination, then come back.', 'ok');
+      }
+    } catch (e) { IAP.status('Could not open MoonPay: ' + ((e && e.message) || e), 'bad'); }
+  }
   async function loadBuyTiles() {
     try {
       const { products } = await (await fetch('/api/catalog')).json();
@@ -1221,6 +1238,15 @@
         } catch (e) { IAP.status('Purchase failed: ' + ((e && e.message) || e), 'bad'); }
         finally { b.disabled = false; }
       }));
+      // brand new to crypto? buy POL with a card, sent straight to the wallet
+      const builder = products.find(p => p.priceCents === 5000) || products[products.length - 1];
+      const needPol = (builder && builder.costWei) ? Math.max(30, Math.ceil(Number(builder.costWei) / 1e18) + 3) : 30;
+      const cta = document.createElement('div');
+      cta.style.cssText = 'grid-column:1/-1;margin-top:10px;text-align:center';
+      cta.innerHTML = '<p class="muted small" style="margin:0 0 8px">New to crypto? Buy POL with a debit or credit card, Apple Pay, or Google Pay. It lands straight in your own wallet, and this site never touches your money.</p>'
+        + '<button class="btn small sec" id="moonpayBtn" type="button">💳 Buy POL with a card</button>';
+      wrap.appendChild(cta);
+      const mb = $('moonpayBtn'); if (mb) mb.addEventListener('click', () => openMoonpay(needPol));
     } catch (e) {}
   }
   loadBuyTiles();
diff --git a/public/my.html b/public/my.html
index 6404742..163ec0d 100644
--- a/public/my.html
+++ b/public/my.html
@@ -687,7 +687,7 @@
 </div>
 <script src="/assets/common.js?v=20260908c"></script>
 <script src="/assets/wallet.js?v=20260907q"></script>
-<script src="/assets/my.js?v=20260908e"></script>
+<script src="/assets/my.js?v=20260908f"></script>
 <script src="/assets/chat.js?v=20260907l"></script>
 </body>
 </html>
diff --git a/server.js b/server.js
index 8134f3a..512dc9f 100644
--- a/server.js
+++ b/server.js
@@ -316,6 +316,27 @@ const server = http.createServer(async (req, res) => {
         chainName: c.chainName, explorer: c.explorer, rpc: c.rpcs[0],
         emailAuth: mailer.hasKey() || !IS_PROD }, siteConfig()));
     }
+    if (p === '/api/moonpay-url' && req.method === 'GET') {
+      // Card on-ramp deep link. With MoonPay keys set — PUBLIC key via
+      // MOONPAY_PUBLIC_KEY env or site config, SECRET key via MOONPAY_SECRET_KEY
+      // env ONLY (never site config, since /api/config exposes siteConfig) —
+      // returns a SIGNED checkout URL prefilled with the buyer's own wallet and
+      // a POL amount; otherwise a generic MoonPay buy page. Zero custody either
+      // way: MoonPay is merchant of record and the crypto goes straight to the
+      // buyer's wallet — this site never touches or holds anyone's money.
+      const addr = (u.searchParams.get('address') || '').trim();
+      let pol = Math.round(Number(u.searchParams.get('pol')) || 0);
+      if (!pol || pol < 30) pol = 30;
+      if (pol > 100000) pol = 100000;
+      const pk = (process.env.MOONPAY_PUBLIC_KEY || siteConfig().moonpayPublicKey || '').trim();
+      const sk = (process.env.MOONPAY_SECRET_KEY || '').trim();
+      if (pk && sk && /^0x[0-9a-fA-F]{40}$/.test(addr)) {
+        const qs = '?apiKey=' + encodeURIComponent(pk) + '&currencyCode=pol_polygon&walletAddress=' + encodeURIComponent(addr) + '&quoteCurrencyAmount=' + pol;
+        const sig = crypto.createHmac('sha256', sk).update(qs).digest('base64');
+        return json(res, 200, { url: 'https://buy.moonpay.com/' + qs + '&signature=' + encodeURIComponent(sig), signed: true, pol });
+      }
+      return json(res, 200, { url: 'https://www.moonpay.com/buy/pol', signed: false, pol });
+    }
     if (p === '/api/catalog' && req.method === 'GET') {
       return json(res, 200, { products: await chain.catalog() });
     }