Most Mo users never need to submit a Proof of Address (PoA). This article explains the specific situations that trigger the request, which documents are accepted, and what happens next.
When Is Proof of Address Required?
Proof of address is required in two situations:
1. Conflicting Location Signals During KYC
During identity verification, if your government-issued ID shows an address from a prohibited or controlled region but you claim to reside elsewhere, Mo will ask you to confirm your actual address with a supporting document.
2. Exceeding the Transaction Volume Threshold
Individual customers who have not submitted a PoA are subject to a $3,000 USD-equivalent rolling 7-day inbound transaction limit.
If your inbound volume crosses this threshold:
- Your account is temporarily frozen for new inbound transactions.
- You will be asked to submit a Proof of Address through your original onboarding link.
- Transactions already in flight that would put you over the limit are held until PoA review is complete.
Note: This limit applies to inbound transactions (deposits/onramp) only. Sending USDC between Mo users or holding a balance is not affected.
Current PoA Status
Your application will show a poa_status field that reflects where your document stands:
| Status | What it means |
|---|---|
missing | No PoA on file. Your account is subject to the $3,000/7-day inbound limit. |
submitted_pending_review | Document submitted. Compliance is reviewing it. Inbound transactions remain paused. |
approved | PoA approved. The threshold no longer applies to your account. |
rejected | PoA rejected. You need to submit a new document. The threshold continues to apply. |
Accepted Documents
All documents must:
- Be addressed to you (the account holder)
- Show your current residential address — no PO boxes or virtual addresses
- Be issued within the last 90 days
For Individuals
- Bank statement
- Utility bill (gas, electric, water, internet)
- Government-issued letter or notice
- Government-issued ID (if issued within the last 90 days)
- Residential lease agreement (must be currently active)
For Businesses
- Bank statement
- Utility bill
- Government-issued letter
- Office lease agreement (must be currently active)
Note for DAOs: If your organization does not have a physical operating address, you may provide the residential PoA for your verified control person.
How to Submit
- Use the onboarding link you originally received when creating your Mo account.
- Upload one of the accepted documents listed above.
- Wait for compliance review — this typically takes 1 business day.
Once your PoA is approved, any transactions that were held during the review period will be processed.
Frequently Asked Questions
I never hit $3,000 — will I ever need to submit a PoA? No. If your inbound volume never exceeds the rolling 7-day threshold, you will not be prompted for a PoA unless conflicting location signals appear on your ID.
How long does PoA review take? Typically 1 business day. You will be notified by email when a decision is made.
My PoA was rejected — what should I try instead? Check that your document is less than 90 days old and shows your full residential address (not a PO box). If a bank statement was rejected, try a utility bill or a government letter.
Can I still send USDC while my PoA is under review? Yes. The restriction only affects inbound fiat transactions. You can continue to send, receive, and hold USDC within Mo.
Where do I find my onboarding link? Check the email you received when you first created your Mo account. If you can’t find it, contact Mo Support and we will resend it.
