Virtual accounts are how Mo connects local bank rails to your USDC wallet. They are for money in and out when fiat must touch a bank, not the whole Mo product story, and not the same thing as Mo Plus membership.
Opening a virtual account requires an approved application with the banking partner. Holding, sending, receiving, Earn, converting, and spending on Travel do not require that verification.
How Virtual Accounts Work
When you open a virtual account with Mo, you get US banking details (ACH routing number and account number) that bridge traditional finance and your USDC wallet.
- Receive payments: Collect funds from 1st-party (your own) or allowed 3rd-party accounts, per rail rules.
- Automatic conversion: Supported deposits settle into USDC for use in Mo (hold, Earn, send, Travel).
- USD rails: ACH and domestic wires. See the USD page for 1st/3rd-party rules and limits.
Supported currency rail
Mo virtual accounts are USD only.
- USD (US Dollar): ACH and domestic wires.
Key Considerations
- Compliance & KYC: All virtual account users must complete identity verification.
- Bank Holidays: Traditional rails are subject to banking hours and holiday schedules.
- Volume Limits: Limits depend on your verification level and the specific currency rail.