SecondsTypical settlement time on Base
Send with a handle
Pay another Mo user as easily as sending a message. No addresses to copy, no gas fees to calculate.
The world's money app
The easiest way to move money worldwide.
Send USDC instantly, earn on your balance, and cash out to your local bank. Experience the speed of digital dollars with the familiarity of a modern banking app.
Operational summary
Digital dollars on Base
Available to move
$3,402.18
SettlementSeconds on Base
CustodyYou hold the keys
FXShown before you confirm
Operational infrastructure
Mo is assembled from regulated rails, Base-native settlement, and reliable cloud infrastructure.
Global reach
Global money movement, simplified.
Mo combines the speed of a global settlement network with the trust of a familiar financial app. Familiar money actions without wallet jargon.
180+Countries covered by payout partners
Hold global dollars
Keep value in USDC and move in or out through local rails when you actually need fiat.
10%Mo's share of generated yield
Earn without lockups
Put idle balances to work while staying in control of principal, withdrawals, and visibility into fees.
FAQ
Everything you need to know about Mo.
Transparency is at our core. Here's how we handle custody, fees, and global transfers.
What is Mo and how does it work?
Mo is a financial technology app that enables anyone to send, earn, and hold digital dollars globally with clearer fees and fewer steps. Behind the scenes, we use stablecoins and smart wallets to route value, but the experience stays familiar: you sign in, manage funds, and send money using a simple Mo Box tag.
What are digital dollars?
Digital dollars (like USDC or PYUSD) are cryptocurrency tokens pegged 1:1 to the US Dollar. They are backed by highly liquid reserves of actual dollars and short-term US treasuries, allowing you to hold and move value globally with the speed of the internet without price volatility.
What is Mo Plus?
Mo Plus is our premium banking rail integration. It provides you with local banking details (like an IBAN, ACH routing number, or CLABE) allowing you to receive local currency directly from traditional banks, which are then automatically converted to digital dollars in your wallet.
Is my money safe and where is it held?
Mo is self-custodial, meaning you maintain control over your keys and funds at all times. Your digital dollars reside in your wallet on the blockchain, not on our servers. For Mo Plus features, funds passing through traditional rails are held briefly by our regulated banking partners (like Lead Bank) during settlement.
What are the fees?
Peer-to-peer transfers between Mo Box tags are free. Bank money in is free. Bank money out is 1%. Debit card money in costs 2.5% through Coinbase with no markup from Mo. Universal Deposits carry a 0.1% markup. You can also redeem Mo Points to offset fees. Mo keeps 10% of Earn yield — Mo earns when you earn.
What is the minimum amount I can send or receive?
For standard Mo peer-to-peer transfers, there is no minimum amount. For Mo Plus transactions (ACH or Wires), minimum amounts vary slightly based on the currency rail providers, but usually start at around $1. Refer to the documentation in your dashboard for specific limits.
When will my funds land in the account?
Next-day ACH transactions can take 1-3 days to arrive. Same-day ACH transactions sent before 4:00 PM EST arrive that day. Wires typically arrive within a few hours if received before 5:00 PM EST. digital dollar transfers are near-instantaneous.
What types of transactions can I receive in my Mo Plus account?
For Non-US Residents:
- 1st-party payments from your own bank account
- Business payments from registered corporate accounts
- Third-party payments from family with the same surname
- P2P payments up to $4,000
- 1st-party transfers from your accounts
- Direct deposit Payroll from employers
- Broad 3rd-party payments in most US states
How do I verify my account with microdeposits?
If your bank triggers a microdeposit verification, notifications are sent to your registered email or via push notifications. It typically takes 1 day for the small amounts to arrive. The required 3-letter code (common with Plaid) is available in the transaction descriptor on your statement.
What if my funds haven’t arrived?
Please reach out to Mo support at support@mo.xyz and avoid contacting banking partners directly. To expedite your request, please provide a Trace ID (for ACH) or an IMAD number (for Wires) from the sending bank so we can track the transaction.
No matching questions. Try another topic or browse the guides below.
Ready to move?
Global money movement, with fees and FX shown before you confirm.
Built for rent, payroll, and family support. Fast settlement is standard; the clarity of our interface is what earns your trust.
Self-custodial wallet architecture
Partner-led onramp and offramp coverage
Transparent fees before confirmation