Mo shows a status for every transaction so you always know where your money is. Here is what each status means and what to do if something looks stuck.
Transaction Status Reference
| Status | Terminal? | What it means |
|---|---|---|
pending | No | Your transaction has been received and is queued for processing. |
processing | No | Mo is actively working on your transaction. |
in_progress | No | The transaction is mid-flight — funds have been handed off but not yet settled. |
awaiting_confirmation | No | Waiting for the blockchain to confirm the transaction. |
broadcasted | No | The on-chain transaction has been submitted and is awaiting final confirmation. |
completed | Yes | The transaction has settled successfully. Funds have arrived. |
failed | Yes | Something went wrong during processing. See the FAQ below. |
canceled | Yes | The transaction was canceled before it completed. |
reversed | Yes | A completed transaction was reversed. Your funds have been returned. |
rejected | Yes | The transaction was blocked — typically by a compliance or provider check. |
timed_out | Yes | The transaction did not complete within the expected window. |
invalid | Yes | The transaction parameters were invalid and cannot be processed. |
Terminal means the status will not change — it is the final outcome.
How a Typical Transaction Flows
Fiat → Digital Dollar (Deposit / Onramp)
pending → processing → in_progress → completedBank wires and ACH transfers settle within standard banking hours. SEPA, PIX, and SPEI settlements follow the timelines in Payment Cutoffs & Timelines.
Digital Dollar → Fiat (Withdrawal / Offramp)
pending → processing → in_progress → completedOnce completed, your bank should receive the funds within the settlement window for your payment rail.
Crypto On-Chain Transfer
pending → processing → awaiting_confirmation → broadcasted → completedOn-chain transfers add the blockchain confirmation step. This can take anywhere from a few minutes to 30 minutes depending on network congestion.
Why Transactions Can Take Longer
- Banking hours: ACH, Wire, and SEPA rails do not process on weekends or bank holidays.
- Large transfers: Transfers over $500,000 may require an additional hour for internal processing.
- Compliance review: All deposits are subject to automated compliance checks, which can add up to one business hour.
- Network congestion: On-chain transactions may take longer during periods of high blockchain activity.
What to Do If a Transaction Fails or Gets Stuck
Note: A transaction in
failed,rejected, ortimed_outstatus is a terminal state — it will not automatically retry.
- Check the specific status against the table above.
- If the status is
failedorrejected, contact Mo Support with your transaction ID. Compliance-blocked transactions cannot be explained in detail for regulatory reasons, but we will let you know what we can. - If the status has been
processingorin_progressfor more than one full business day, contact support.
Frequently Asked Questions
How long should a status stay in “pending”?
Most transactions leave pending within minutes. Fiat transactions submitted after the daily cutoff will queue overnight and move to processing at the next banking day open.
My deposit shows “completed” but I don’t see the funds in my balance — why?
completed means the settlement to your digital dollar wallet has confirmed. If you don’t see a balance change, refresh the app. If it persists for more than 10 minutes, contact support.
Can I cancel a transaction that is still “pending”?
Cancellation is sometimes possible for transactions in early non-terminal states. Contact support immediately — once a transaction moves to processing, cancellation is no longer guaranteed.
What does “reversed” mean? A reversal is uncommon and typically happens when a bank recalls a wire or an ACH transfer is returned. Your funds are returned to the original source. If you did not expect a reversal, contact support.
What is a “rejected” transaction? Rejected transactions are blocked by compliance or provider screening. This can happen when the destination wallet address or counterparty fails a sanctions check. For details, contact support with your transaction ID.
