Mo has two reward mechanics and they work together. Mo Points are what you collect. Mo Plus is a fixed term you buy that makes points arrive faster and Mo’s own fees smaller.
What a point is worth
One Mo Point is worth $0.01 when you spend it inside Mo. That rate does not float and it does not change with the market.
Points are a rewards balance, not money. They never expire, they are not transferable between people, and they cannot be withdrawn or exchanged for USDC or cash. They pay for things inside Mo and nowhere else.
Do not confuse points with Earn yield. Yield from a vault is real USDC sitting in your own wallet, withdrawable whenever you want. Points are not.
Two ways to collect points.
Cash-paid app Travel earns 5 points per dollar, or 10 with Mo Plus. The points-paid portion earns none. Holding a portfolio no longer issues points; existing rewards stay valid.
The inviter receives 100 Mo Points after the invited person’s first fulfilled cash-paid app Travel purchase. Their first app eSIM uses the Plus earning rate without granting membership. The pilot is limited to 100 pairs, with existing monthly and wallet lifetime limits. Web purchases do not qualify.
Points need a Mo account. If you book travel through Base App with your own wallet and no Mo account, you neither collect nor redeem.
Four places to spend
| Where | What it does |
|---|---|
| Travel checkout | Brings the price of a booking down. |
| Bank withdrawal fees | Covers the Mo fee and the bank fee, as far down as nothing. |
| Buying Mo Plus | Pays for a term, on its own or mixed with USDC, from the Mo Plus screen. |
| Mystery Stock | Opens a draw in the app, where available. Costs 10 points; odds 90%/9%/1% for $0.05/$0.50/$1. |
That list is exhaustive. Points cannot pay for sending, receiving, adding money, converting, Earn deposits, or the Mo Plus add-on offered inside Travel checkout.
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.
How Mo Plus changes things
Mo Plus comes in fixed terms: 30 days for $5, or 360 days for $50. You can pay in USDC, in Mo Points at $0.01 each, or split across both from the Mo Plus screen. The 360-day add-on offered inside Travel checkout is USDC only.
| Benefit | Free | Mo Plus |
|---|---|---|
| Mo fee on Trade | 0.10% | None |
| Mo fee on cross-chain route | 0.10% | None |
| Mo fee on bank withdrawal | 1% | 0.5% |
| Points on hotel stays | 5 per $1 | 10 per $1 |
Bank fees on withdrawals (ACH $0.50, wire $10, SWIFT $25) apply on both tiers, and Mo Points can cover them. Third-party network and routing costs are not Mo’s fees and still apply on both tiers.
Nothing renews automatically, so there is no cancellation to remember. Buying another term extends the one you hold rather than replacing it. Buying Mo Plus never awards points back, and the add-on price is excluded from the spend a Travel purchase accrues points on.
Leaving Mo Plus
Exiting ends the membership and refunds every term you still hold, returned in the same mix of USDC and points you paid with.
A first exit within 3 days of purchase is refunded in full, and that full refund is available once in a rolling year. Later exits are prorated for the unused part of each term, with a floor: Mo keeps at least 10% of list price, or one day of the term, whichever is larger. Benefits you already used stay yours.
Flights are not bookable yet, so the flight multiplier is part of the Mo Plus contract but is not being awarded today.
Questions about a specific balance or refund go to support@mo.xyz.