Deposit from bank
Get ACH-only onramp instructions for a named US bank account, then receive USDC in Mo.
Bank
Move money between your bank and Mo.
Onramp by ACH to a named US bank account, or offramp by ACH, Fedwire in the US, or SWIFT globally.
Two directions
Bank rails in and bank payouts out.
Withdraw to bank
Choose ACH, Fedwire in the US, or SWIFT globally when you off-ramp from USDC.
Deposit from bank
Verify once, then get ACH instructions.
- Complete Mo Plus verification
Identity verification unlocks bank deposit instructions in the app.
- Get deposit instructions
View the named US bank account details for your USD onramp.
- Send USD by ACH
Send USD by ACH to the named account shown in Mo.
- Receive USDC
Deposits convert to USDC in your Mo Wallet.
Withdraw to bank
Pick the payout rail and review.
- Link a bank account
Add the bank account that should receive your payout.
- Enter amount and rail
Choose ACH, Fedwire, or SWIFT based on where the money needs to land.
- Review the estimate
See fees before you confirm. Redeem Mo Points to offset eligible bank fees.
- Submit withdrawal
Authenticate with email verification or OTP when required, then track status in the app.
Requirements
What to expect before you start.
Mo Plus
Bank deposit and withdraw both require Mo Plus identity verification.
Onramp rail
Onramp is ACH only to a named US bank account.
Offramp rails
Offramp supports ACH, Fedwire in the US, and SWIFT globally.
Platform note
Mo is a technology platform, not a bank. Banking services are provided by regulated partners.
Minimum withdraw
Bank withdrawals start at 100 USDC.
Ready to move?
Global money movement, with absolute clarity.
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