Make more of your USDC
Mo brings the ways you grow and move USDC together. Trade assets, earn yield, borrow against supported crypto, and send or receive money from one self-custodial app.
Grow a balance you control
Trade crypto, tokenized US stocks and currency stablecoins with live quotes. Choose a quick order or compare providers in Advanced. Earn puts eligible USDC and other supported assets to work in vaults; yield accrues to you in the deposited asset.
Borrow and move money
Borrow USDC or EURC against supported collateral you post. Send and receive across supported networks, or use available bank rails to bring money in and move it out. Identity checks apply where money touches a bank; holding, trading, earning, borrowing and travel do not require them.
Spend it on real life
Use your USDC for stays, flights and eSIM data. Mo account Travel purchases collect Mo Points; points are a rewards balance for use in Mo, not cash or yield. Mo Plus combines lower Money fees with a higher Travel points rate.
Is Mo a bank or an exchange?
No. Mo is a self-custodial USDC app. It does not operate an exchange or provide insured bank deposits; bank services are provided by regulated partners.
Are Mo Points money?
No. Points cannot be withdrawn and are only used inside Mo. Earn yield, by contrast, is USDC you can withdraw.