Mo supports stablecoin transfers across multiple blockchain networks. Here is every supported network, which assets work on each, and how to pick the right one.
Supported Networks
| Network | Type | Supported Assets | Notes |
|---|---|---|---|
| Ethereum | EVM | USDC, USDT | Highest liquidity; higher gas fees |
| Polygon | EVM | USDC | Lower fees, fast settlement |
| Arbitrum | EVM | USDC | Ethereum L2, low fees |
| Base | EVM | USDC, DKUSD | Coinbase L2; DKUSD available only on Base |
| Optimism | EVM | USDC | Ethereum L2, low fees |
| Solana | Non-EVM | USDC | Very fast and low-cost |
Note: DKUSD (digital dollar) is exclusively available on the Base network. Attempting to send or receive DKUSD on any other network is not supported.
EVM vs. Non-EVM Networks
All EVM networks (Ethereum, Polygon, Arbitrum, Base, Optimism) share the same wallet address format — your 0x... address works identically across all of them. You do not need separate wallets.
Solana uses a different address format (Base58 encoded). Make sure you are sending to the correct type of address for the selected network.
How to Choose a Network
| Goal | Recommended Network |
|---|---|
| Lowest fees for small transfers | Polygon, Arbitrum, or Optimism |
| Fastest settlement for USDC | Solana or Polygon |
| Highest USDT liquidity | Ethereum |
| DKUSD transfers | Base only |
| Widest wallet compatibility | Ethereum |
Important: Always confirm the destination wallet supports the network you choose before sending. Sending USDC on Polygon to an address that only accepts Ethereum USDC may result in unrecoverable funds.
Network and Settlement Speed
Crypto rails operate 24/7 — there are no banking cutoffs or holiday restrictions.
| Network | Typical Confirmation Time |
|---|---|
| Ethereum | 15 seconds to a few minutes |
| Polygon | Under 1 minute |
| Arbitrum | Under 1 minute |
| Base | Under 1 minute |
| Optimism | Under 1 minute |
| Solana | Under 30 seconds |
End-to-end settlement (including Mo’s conversion and delivery) is typically under 30 minutes. See Payment Cutoffs & Timelines for full details including fiat rails.
Stablecoin Quick Reference
USDC (USD Coin) — Available on all supported networks. The primary stablecoin on Mo.
USDT (Tether) — Available on Ethereum only.
DKUSD — Mo’s native digital dollar, available on Base only.
Frequently Asked Questions
Can I receive USDC on any of these networks? Yes. Mo supports receiving USDC on Ethereum, Polygon, Arbitrum, Base, Optimism, and Solana.
What happens if I send to the wrong network? Funds sent to the wrong network are generally unrecoverable without direct access to the destination wallet on that network. Always double-check the network before confirming.
Does it cost more to use Ethereum vs. Polygon? The transaction fee (gas) for the on-chain transfer itself is higher on Ethereum. Mo’s own fee remains the same regardless of the network — see Pricing for Mo’s fee schedule.
Is Solana USDC the same as Ethereum USDC? They represent the same value ($1 USD) but exist on different blockchains. They cannot be sent directly between chains without a bridge or a swap. Mo handles cross-chain conversion when withdrawing to fiat.
Why is DKUSD only on Base? DKUSD is Mo’s native digital dollar and is deployed on Base. It is not bridged to other networks.
