Mo: USDC Wallet & Rewards

Mo is a self-custodial USDC wallet that helps you get more from your digital dollars.

Add USDC from your bank with no Mo onramp fee via ACH, earn yield, send money, book hotels with USDC, and earn Mo Points along the way.

USDC REWARDS FOR MONEY YOU ALREADY HOLD

Mo turns your USDC balance into more than money sitting in a wallet.

Earn Mo Points from eligible balance holding, hotel bookings, and referrals. Redeem your points to save on Travel, offset eligible bank withdrawal fees, purchase Mo Plus, and access supported rewards.

Mo Points are rewards, not cash or investment return, and cannot be withdrawn.

ADD USDC FOR FREE VIA ACH

Move dollars from your bank into USDC using supported ACH transfers.

Mo charges no onramp fee for supported bank deposits. Your bank or banking provider may still charge its own fees.

Banking features require identity verification and are provided through regulated banking partners.

BOOK HOTELS WITH USDC AND EARN POINTS

Search and book hotel stays directly inside Mo.

Pay with USDC, earn Mo Points on eligible Travel purchases, and use your points to reduce the price of future bookings.

Mo supports your booking after checkout too, including eligible cancellations, guest amendments, and rebooking.

EARN YIELD ON USDC

Put your USDC and other supported assets to work with Mo Earn.

Choose from risk-tiered vault strategies. Yield accrues in the deposited asset and can be withdrawn.

Yield and Mo Points are completely separate. Yield is your asset. Mo Points are rewards used inside Mo.

SEND AND RECEIVE USDC

Send and receive supported assets directly from your self-custodial wallet.

Claim a Mo Box tag to get a simple personal money address that anyone can use to pay you, even if they do not have Mo.

TRADE FROM YOUR WALLET

Buy and sell supported crypto, stablecoins, and other eligible assets through a simple quote and confirm experience.

Assets settle directly to your self-custodial wallet.

MO PLUS

Mo Plus is an optional fixed-term membership for people who want more from Mo.

Plus can remove Mo integration fees on eligible trades and cross-chain routes, reduce eligible bank withdrawal fees, and increase Travel points accrual.

Third-party network, routing, or provider costs may still apply.

No surprise auto-renewal.

YOUR MONEY, YOUR WALLET

Mo is self-custodial. Your assets stay in your wallet.

Mo is not a bank, credit card, or trading venue. It does not offer credit or insured deposits and does not operate an exchange or order book.

ONE APP FOR YOUR USDC

Home: See your balance, Earn positions, and activity.

Trade: Buy and sell supported assets.

Send: Move money.

Travel: Book hotels with USDC and earn Mo Points.

Me: Manage your account, Mo Plus, rewards, and settings.

Download Mo and get more from your USDC.