Only individuals who interact with the fiat system - such as adding money (onramp) or withdrawing money (offramp) - are required to go through KYC.
If you only send, receive, or hold USDC within Mo, you do not need to verify your identity.
Standard Individual Onboarding Requirements
Mo requires the following information for standard individual onboarding:
- First and last name
- Country
- Street address
- City
- Postal code
- Province / State
- Date of birth
- National identity number (required for non-USA residents)
- Social Security number (required only for USA residents)
- ID verification (optional for US residents with minimal payment activity)
- Proof of address
- Required when conflicting location signals are detected such as a photo ID from prohibited/controlled region
- Also triggered when inbound transaction volume exceeds the $3,000/7-day rolling threshold (see below)
Proof of Address Transaction Threshold
Individual customers who have not submitted a Proof of Address are subject to a $3,000 USD-equivalent rolling 7-day inbound transaction limit. When this limit is reached, inbound transactions are paused and the account enters compliance_review status until a PoA is submitted and approved by compliance.
The poa_status field on your application reflects where your document stands:
poa_status | Meaning |
|---|---|
missing | No PoA on file. The $3,000/7-day limit applies. |
submitted_pending_review | Document uploaded and awaiting compliance review. |
approved | PoA approved. The threshold no longer applies. |
rejected | PoA rejected. You must submit a new document. The threshold continues to apply. |
See Proof of Address Guide for accepted documents and how to submit.
Verification Thresholds for US Residents
For residents of the United States of America, end customers verified via database checks without a photo ID can transact up to $10,000 per transaction or $100,000 lifetime. Once those thresholds are exceeded, photo ID verification will be required.
Enhanced Requirements for High-Risk or High-Volume Users
For high-risk populations (resident of high-risk region or person 60 years or older) and/or high-volume transactors, Mo collects additional information:
- Occupation and Employment status
- Source of funds
- Primary purpose of the account
- Expected monthly amounts to be sent or received
- Intermediary status (“Are you receiving or sending funds on behalf of someone other than yourself?”)
Individual Identification Numbers by Country
The following identification numbers are accepted by region. In addition to these specific items, passport, national_id, and other are valid options for all countries except the USA.
| Region | Identification Type |
|---|---|
| Afghanistan (Afg) | tin - Tax Identification Number |
| Angola (Ago) | nif - Número de Identificação Fiscal |
| Albania (Alb) | tin - Tax Identification Number |
| United Arab Emirates (Are) | emirates_id - National Identity Card |
| Argentina (Arg) | cuil, cdi, or dni |
| Australia (Aus) | tfn - Tax File Number |
| Austria (Aut) | si - Social Insurance Number |
| Azerbaijan (Aze) | voen - State Taxpayer Identification Number |
| Belgium (Bel) | nrn - National Register Number |
| Brazil (Bra) | cpf - Cadastro de Pessoas Físicas |
| Canada (Can) | sin - Social Insurance Number |
| Chile (Chl) | rut - Registro Único Tributario |
| China (Chn) | ricn - Resident Identity Card Number |
| Colombia (Col) | nit or rut |
| France (Fra) | spi - Social Security Number |
| Germany (Deu) | steuer_id - Tax Identification Number |
| India (Ind) | pan - Permanent Account Number |
| Japan (Jpn) | mn - My Number |
| Mexico (Mex) | rfc, curp, or ine |
| Nigeria (Nga) | tin, nin, or bvn |
| United Kingdom (Gbr) | nino - National Insurance Number |
| United States (Usa) | ssn or itin |
Note: This is a partial list. Most countries accept national IDs or passports. If your country is not listed, use your primary government identification number.
Frequently Asked Questions
Do I need KYC if I only use Mo to send/receive USDC? No. KYC is only required if you’re moving money between Mo and the traditional banking system.
How long does it take? Form completion usually takes less than 5 minutes. Approval can range from a few minutes to 1 business day.
Is my personal information secure? Yes. Your data is encrypted, handled only by trusted providers, and never shared without consent.
