Holding a balance
Portfolios above $1,000 are eligible for a daily award. The floor is deliberate: rewards for holding are meant for meaningful balances.
Rewards
Rewards-card benefits, without the credit card.
Mo Points are funded by what Mo earns on Store and Travel, not by interest or interchange. That is why there is no credit check and no card.
One point is worth $0.01 inside Mo.
Collecting
Three ways points arrive.
Spending on Store and Travel
Collect 5 points per $1 on Store and hotel stays, or 10 points per $1 with Mo Plus. This starts from your first dollar, with no minimum.
Inviting other people
Both sides collect points when someone you invite starts using Mo. Referral rewards are capped, because they are acquisition spend rather than shared margin.
Redeeming
Three places points can be spent.
Store and 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.
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 They cannot be withdrawn or exchanged for cash.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 Base App neither collect nor redeem.
Ready to move?
Global money movement, with fees and FX shown before you confirm.
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