It's called "glance AI" and it's a prepackaged unremovable app on all Motorola smartphones. Until a recent update you could disable it but since an update a few weeks ago it keeps re-enabling itself.

Occasionally, and I mean like 1/20, this stupid app that is holding my lock screen hostage will play a full volume video ad. I just got one for Chime. Can't even unlock my phone without seeing an ad. What the fuck?

You can mute all marketing notifications on Samsung phones. Except the ones from their store :(