Mo is built on transparent, published limits. Here is every limit that applies to your account, what triggers each one, and how to increase them.
Individual Account Limits
Proof of Address Threshold
Individual customers who have not submitted a Proof of Address are subject to:
$3,000 USD-equivalent rolling 7-day inbound transaction limit
This is a cumulative limit across all inbound (deposit) transactions in any rolling 7-day window. When you approach or exceed this limit:
- Inbound transactions over the limit are held.
- Your account goes into compliance review.
- You are asked to submit a Proof of Address.
- Once approved, the limit is lifted and held transactions are released.
Outbound transfers (withdrawals) and USDC sends between Mo users are not subject to this threshold.
US Residents, Database-Only Verification Threshold
US residents who complete identity verification through database checks without a photo ID can transact up to:
| Limit | Amount |
|---|---|
| Per-transaction maximum | $10,000 |
| Lifetime maximum | $100,000 |
Once either threshold is exceeded, photo ID verification is required to continue.
Payment Rail Limits
United States Dollar (USD)
Domestic dollars move on two rails: ACH, the batch system behind most US bank transfers, and Fedwire, the same-day wire network the Federal Reserve runs.
| Rail | Per-Transaction Cap | Notes |
|---|---|---|
| Same Day ACH | $1,000,000 | Transactions above this cap route via Next Day ACH |
| Wire (Fedwire) | No published cap | Fastest USD rail |
| Next Day ACH | No published cap | Standard for most US transfers |
International Payouts
Payouts abroad go over SWIFT, the messaging network banks use to instruct each other across borders. They do not carry a published per-transaction cap through Mo. What applies instead is your account verification level, plus whatever the correspondent and receiving banks impose on their own side.
Large Transaction Processing
Transfers over $500,000 across any rail may require an additional processing hour. This is an automated compliance check, not a manual hold. No action is required on your part, the transfer will settle within the normal window plus this buffer.
How to Increase Your Limits
| Limit | How to raise it |
|---|---|
| $3,000/7-day Proof of Address threshold | Submit a Proof of Address |
| $10,000/$100,000 US database threshold | Complete photo ID verification |
Frequently Asked Questions
Does the $3,000 limit apply to every user? Only to individuals who have not submitted a Proof of Address. Once it is approved, this limit is removed.
Does the limit reset every week? It is a rolling 7-day window, not a weekly reset. The window tracks the last 7 days from any given moment, not Monday–Sunday.
Can I send USDC between Mo users without hitting these limits? Yes. Mo-to-Mo USDC sends do not count toward fiat onramp/offramp volume limits and have no fee.
My transaction was held, will it be released automatically? Yes, once your Proof of Address is approved, any held transactions are automatically released.
What happens if I never submit a Proof of Address? Your account continues to work normally up to the $3,000/7-day inbound limit. There is no deadline to submit, you only need to if you want to transact above that threshold.