Make USDC useful.

Mo is a self-custodial digital dollar wallet powered by USDC, so you hold your own wallet keys. Money lets you earn yield, trade, send, receive, and move USDC to and from a bank. Life lets you spend it on Travel. Rewards, meaning Mo Points and Mo Plus, connect the two.

Add money from a supported bank or from another crypto wallet. Bank transfers settle through a regulated partner. Crypto arrives directly in your own wallet. Fees and availability depend on the route and your region, and you see the cost before you confirm.

Earn puts supported assets into yield vaults and pays yield in the same asset. Trade buys and sells supported crypto, Coinbase tokenized US stocks, and stablecoins from your own wallet. Borrow lends USDC or EURC against supported collateral you post. Send moves assets to another person or wallet. Each feature depends on provider and regional availability.

Travel lets you search and book stays and flights, and buy eSIM data for a trip. Each offer shows its price and supplier terms before you confirm. Cancellation or changes depend on the specific booking and supplier rules.

Collect Mo Points on eligible Travel purchases and Easy or Advanced trades. Trade Points apply only when net output is at least $10; Get lucky and currency-to-currency trades do not collect Points. Free has no daily Trade Points cap; Mo Plus can collect up to 100 Trade Points per UTC day. Eligible Travel purchases have no daily cap. Points are rewards, not money: they cannot be transferred or withdrawn, and can be used in Mo for Travel, eligible bank-withdrawal fees, Mo Plus, or Mystery Stock where available.

Mo Plus is a 30-day or 360-day membership you buy on the Mo Plus screen with USDC, Mo Points, or both. It never renews automatically; buying again extends your term. It removes Mo’s fee on Trade and cross-chain transfers, halves the bank withdrawal fee, and adds Travel points. Third-party network costs still apply.

Holding USDC and direct sends and receives on supported networks have no Mo fee. Trade has a conversion fee. Cross-chain transfers can carry third-party network costs, plus a Mo fee for Free members shown in the quote, which Plus removes. Bank withdrawals have their own fee, which points can cover.

You do. Mo is self-custodial, so you hold your wallet keys and funds. You verify your identity only for bank features, such as opening a virtual account or withdrawing to a bank. Bank, Trade, and cross-chain features depend on your region and provider eligibility.

No. Base is Mo's home network, and Universal connects it to other chains. Tap 'Add money', then send tokens like ETH or USDC to your Mo address on Ethereum, Polygon, Optimism, or Arbitrum. Universal converts them to USDC on Base. Tap 'Withdraw' to send USDC out as supported tokens on chains like Solana and Robinhood Chain. Fees apply.