Mo makes it simple to move US dollars in and out of digital dollars (USDC). Onramp instantly with debit card or Apple Pay, or use USD Virtual Accounts for ACH and wire transfers. Cash out to your bank account in local currency with fair FX rates, full transparency, and flexible settlement times. Or to keep your money in USDC to earn yield.
Onramp: Turn USD into USDC in Minutes (min 1 USD)
Deposit USD into Mo using the payment methods that work best for you:
- FedWire: Up to 2 hours (before 4:45 PM ET).
- ACH Bank Transfer: 1-2 banking days (Standard) or Same Day (submitted before 2:30 PM ET).
Once added, your USD is converted directly into USDC and stored securely in your Mo smart wallet.
Offramp: Send USDC to USD (min 1 USD)
Cash out USDC directly into your US bank account with flexible options:
- FedWire: Up to 2 hours (before 4:45 PM ET).
- ACH Bank Transfer: 1-2 banking days (Standard) or Same Day (submitted before 2:30 PM ET).
Your funds settle in USD, with no hidden fees.
Keep It in Digital Dollars
Not ready to convert back to United States Dollar (USD)? Mo gives you the freedom to hold your remittance in USDC:
- Earn Yield: Yield opportunities for USDC, EURC (Digital Euro), cbBTC and ETH with Mo Earn.
- Trade: Trade between USDC, EURC, cbBTC and ETH (available on Web and Android app) with Mo Trade.
Why Use Mo for USD?
- Multiple Rails: Onramp with debit card, Apple Pay, ACH, or wire.
- Both Directions: Deposit United States Dollar (USD) into Mo and withdraw back when you need.
- Transparent Fees: No hidden markups or surprise charges.
- Flexible: Choose between keeping digital dollars or cashing out.
FAQs about USD with Mo
How do I send or receive United States Dollar (USD) with Mo? Deposit United States Dollar through local payment methods into Mo, where it becomes USDC. You can then withdraw to a US bank account, or send USDC to friends and family using their Mo Box handler via Mo. They can choose to cash out in their local currency or hold USDC.
Are there any hidden fees? No. Mo charges a clear, transparent fee with fair FX rates—and it’s always free to send USDC between Mo users. See Mo Pricing.
Can I keep my money in USDC instead of converting back? Yes. You can earn yield with Mo Earn or trade via Mo Trade.
How long does a transfer take? Most United States Dollar (USD) onramps and offramps settle in minutes or same day, and never more than 2 business days depending on local payment methods.
