Learn with Mo

Mo is built on Base Network, Coinbase's low-cost Layer 2 network. Mo combines stablecoins with smart wallets (ERC-4337). You sign in with a passkey (via Biometrics) and can send, receive, and earn USDC on Base Network instantly with no seed phrases, no gas fees, and no complexity.

Yes. Mo is fully self-custodial, which means you own your wallet and funds at all times. Mo never has access. Security is handled through passkeys and blockchain transparency, not passwords or intermediaries.

With Google, passkeys sync through Google Password Manager across devices and recovery is handled through Google's account recovery process. With Apple, passkeys sync through iCloud Keychain when logged into your Apple ID, and recovery is managed through Apple's standard account recovery process.

With a normal non-custodial wallet, anyone who knows your address can see your full history. Mo improves privacy by letting you share a Mo Box username or mobile number instead of your raw wallet address.

Mo works with trusted partners to swap your local money into USDC (and back). You can withdraw to your local currency when you want to but you don't have to. This lets you send and receive money across borders instantly and without worrying about FX fluctuations.

Yes. Mo transacts in an exchange rate which is usually very close to the official market rate (Reuters Open Bid).

P2P transfers via phone number or Mo Box are free. Onramps and offramps are free subject to further notice. For Mo Earn, Mo takes a 10% share of the yield you generate.

Returns come from lending protocols where traders borrow assets and pay interest to access liquidity. All loans are overcollateralized, so if a borrower defaults their collateral is liquidated automatically. This protects you as a lender while the borrower assumes the risk.

Reach out to help@mo.xyz. Please avoid contacting our banking partners directly, as they are not best suited to help you.