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 ACH and wire transfers when needed. Cash out to your bank account in local currency with no FX markup, full transparency, and flexible settlement times. Or to keep your money in USDC to earn high yield or spend globally.
Onramp: Turn USD into USDC in Minutes
Deposit USD into Mo using the payment methods that work best for you:
- Debit Card or Apple Pay: Instant onramp, funds ready in seconds. User with a verified US mobile number and a US debit card can onramp up to $500/week.
- ACH Bank Transfer: 1 - 2 business days.
- Domestic Wire: 1 - 5 business days.
- International Wire (SWIFT): 1 - 5 business days.
Once added, your USD is converted directly into USDC and stored securely in your Mo smart wallet.
Offramp: Send USDC to USD
Cash out USDC directly into your US bank account with flexible options:
- ACH Bank Transfer: 1 - 2 business days.
- Domestic Wire: 1 - 5 business days.
- International Wire (SWIFT): 1 - 5 business days. Read more on SWIFT Payouts.
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: Grow your balance automatically with Mo Earn.
- Trade: Swap into ETH or cbBTC with Mo Trade.
- Spend Globally: Use USDC anywhere Visa is accepted, with 0% FX fees and 1% cashback via Mo Spend.
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.
- Secure: Passkey-protected smart wallets - your money, your control.
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 mobile number 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 no FX markup—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, trade via Mo Trade, or spend worldwide with Mo Spend.
How long does a transfer take? Most United States Dollar (USD) onramps and offramps settle in minutes, and never more than 2 business days depending on local payment methods.
