Mo vs. Phantom

Nothing to write down. Mo's embedded wallet authorizes transactions with your device, self-custody without a recovery phrase.

Phantom's standard setup gives you a 12-word Secret Recovery Phrase (mnemonic). It is the root every key is derived from, and Phantom can't restore it if it's lost. Source

Gas is sponsored via Coinbase's Paymaster for supported Base actions, so most sends and swaps skip a separate gas charge.

The first send from a new Phantom wallet needs a one-time network fee of about $0.16 to open the token account; gas after that is paid by the user. Source

Mo Trade charges a 10 bps (0.10%) integration fee on Free and no Mo surcharge with Mo Plus. Vendor conversion and network costs, when applicable, are shown in the quote.

Phantom charges 0.85% on select swaps, plus variable network and route fees.

Bank deposits are free; withdrawals run 1% on Free, 0.5% with Mo Plus.

Funding Phantom's debit card costs 1.75% by debit card and 3.5% by credit card; ACH deposits run 0.3% and wires 1%. Source

Base is home, but Mo also receives ETH and USDC sent to your address on Ethereum, Optimism, Polygon, and Arbitrum, then sweeps it to USDC on Base.

Phantom runs across Solana plus the EVM and Bitcoin networks it has added, from one wallet.

USDC anchors the wallet; Mo also supports ETH, cbBTC, cbHYPE, SOL, other stablecoins, and Coinbase's tokenized US stocks.

Phantom supports SPL tokens on Solana alongside assets on its other connected networks.

Coinbase's tokenized US stocks trade with live pricing for eligible non-US users, right inside Trade.

Eligible users can buy, sell, and hold xStocks and Ondo tokenized stocks in Phantom; availability varies by issuer and region.

Mo Points build from holding a balance, Travel spend, and referrals. They are redeemable for Travel checkout, a bank-withdrawal-fee offset, Mo Plus, or Mystery Stock. See Rewards.

No equivalent rewards program.