The World's Money App.
Mo brings the power of stablecoins to everyday money, made simple and secure.
Modern Money Experience
With passkey-secured self-custody, only you control your funds. Mo can never access your money.
Send USDC Free
Move money for free instantly worldwide. As simple as sending a text with just a mobile number.
Cash In & Out Anytime
Easily convert between USDC and your local currency without fees via licensed fiat partners.
One-click High Yield
Access curated yield opportunities once reserved for the few.
How It Works
From signup to sending money in seconds.
01
Create Your Wallet
Sign up in seconds. Use your passkey to generate and securely access your self-custodial wallet.
02
Add Money Easily
Deposit from bank or exchange, or receive USDC instantly with just a mobile number.
03
Money Your Way
Send money free, earn yield on your balance, or cash out anytime with flat 1% fees.