USDC that works in real life.

Mo is a USDC wallet for everyday life. You hold and earn yield, spend on Travel and Store, and collect Mo Points that connect wallet activity and commerce. Send and receive stay available when you need them — including Mo Box tags — with plain money language and clear fees before you confirm. Stablecoins and blockchain power the rails; you do not need to manage them first.

USDC is Mo’s hero asset: a digital dollar designed to stay close to one US dollar. Other tokens on Mo (such as EURC or supported fiat-pegged assets) are supporting rails so you can reach spendable USDC. You hold and spend value with the speed of the internet, without treating Mo as a trading venue.

Mo Plus is Mo’s membership: Free and Plus tiers with fixed-term purchases paid in USDC, Mo Points, or both. Plus increases Store and Travel points accrual and reduces Mo integration fees. It is not a bank product and does not replace virtual bank accounts.

Mo is self-custodial: you keep control of your keys and wallet funds. Your USDC lives in your wallet on the blockchain, not on Mo’s servers. When you use bank money-in or money-out, funds may pass briefly through regulated banking partners during settlement, and identity verification applies only where fiat touches a bank.

Holding, receiving, sending between Mo users, and adding money are free. Moving money out to a bank has a fee (see /pricing). Conversion has a flat fee. You can redeem Mo Points to reduce Store and Travel checkout prices, offset bank-out fees, and purchase Mo Plus on its dedicated screen. Mo keeps 10% of Earn yield — Mo earns when you earn. Always confirm live rates in the app.

Peer-to-peer sends between Mo users have no minimum from Mo. Bank-rail deposits and withdrawals may have partner minimums (often around $1). Check in-app limits for your rail and region.

Next-day ACH can take 1–3 days. Same-day ACH sent before 4:00 PM EST may arrive that day. Wires often land within a few hours if received before 5:00 PM EST. USDC transfers on Base are near-instant.

If your bank triggers a microdeposit verification, notifications are sent to your registered email or via push notifications. It typically takes 1 day for the small amounts to arrive. The required 3-letter code (common with Plaid) is available in the transaction descriptor on your statement.

Please reach out to Mo support at support@mo.xyz and avoid contacting banking partners directly. To expedite your request, please provide a Trace ID (for ACH) or an IMAD number (for Wires) from the sending bank so we can track the transaction.