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Points

Collect Mo Points on Travel and Trade.

Mo Points are funded by Mo-owned Travel commerce. Collect them on eligible account Travel purchases and Easy or Advanced trades. Points are a rewards balance, not money or yield.

One point is worth $0.01 inside Mo.

Collecting

Collect Mo Points on Travel and Trade.

Spending on Travel and Trade

Eligible app Travel purchases with a Mo account award 5 Mo Points per cash-paid dollar with Free, or 10 with Mo Plus. Points do not apply to Mo Plus add-ons or web Travel purchases. Travel Points have no daily cap. Easy and Advanced trades collect one Point per $10 of net output, rounded to the nearest whole Point; output must be at least $10. Get lucky and currency-to-currency trades collect none. Free Trade Points are uncapped; Mo Plus Trade Points are capped at 100 per UTC day.

Redeeming

Four places points can be spent.

Travel checkout

Apply points at checkout to bring the price of an order down.

Bank withdrawal fees

Offset the fee when you move money out to a bank, all the way down to nothing.

Buying Mo Plus

Buy a Mo Plus term with points, with USDC, or with a mix of the two.

Mystery Stock

Open Mystery Stock in the app, where available. Each draw costs 10 points; odds are 90% for $0.05, 9% for $0.50, and 1% for $1.

The boundary

What Mo Points are not.

Points are a rewards balance, not money. They cannot be withdrawn or exchanged for cash.

Points never expire, and they are not transferable between people.

Points cannot be used for sending, receiving, adding money, converting, or Earn deposits. Earn yield is separate: that is real USDC and it is yours to withdraw.

Points need a Mo account. Wallet-only users booking through Coinbase Wallet neither collect nor redeem.

Questions about Mo Points.

What a point is worth, how points arrive, and where they can be spent.

What are Mo Points?

Mo Points are a rewards balance, not money. Each point is worth $0.01 when you spend it in Mo.

How many points do I get?

Eligible app Travel purchases with a Mo account award 5 Mo Points per cash-paid dollar with Free, or 10 with Mo Plus. Mo Plus add-ons and web Travel purchases do not award Points. Easy and Advanced trades collect one Point per $10 of net output, rounded to the nearest whole Point, when output is at least $10. Currency-to-currency trades and Get lucky collect no Points.

How do I collect points?

Eligible app Travel purchases with a Mo account award Mo Points on the cash-paid portion; Mo Plus add-ons and web Travel purchases do not qualify. Easy and Advanced trades collect Points on net output of at least $10. Get lucky and currency-to-currency trades are excluded. The 100 Points per UTC day cap applies to Mo Plus Trade Points only; Free Trade Points are uncapped and Travel Points have no daily cap.

Where can I spend points?

Use points for Travel discounts, eligible bank-withdrawal fees, Mo Plus, or Mystery Stock where available. Points are non-transferable and cannot be withdrawn as cash or USDC. Mystery Stock costs 10 points: a $0.05 stock prize with 90% probability, $0.50 with 9%, or $1 with 1%. Most prizes are worth less than the same points’ guaranteed discount value. Mo pays delivery costs. Eligibility and stock availability apply.

Do points expire?

No. Points stay in your balance until you spend them.

Can I withdraw or transfer points?

No. Points cannot be cashed out, sent to someone else, or swapped for USDC. Earn yield is different: it is real money, and you can withdraw it anytime.

Need more detail?

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Mo Points apply only to the cash-paid portion of eligible app Travel purchases with a Mo account. Mo Plus purchases and web Travel purchases do not qualify.

Your money. More possibilities.