Flowxi vs Mo

Flowxi is the app that lets you manage your money simply, quickly, and from anywhere in the world. Send, receive, and convert funds in seconds, open an account in EUR, USD, and USDC, and enjoy a smooth experience designed for real-life needs. Open your account in minutes and start receiving payments right away. Your virtual card is available as soon as you sign up, ready for online or in-store payments, fully compatible with Apple Pay. Flowxi makes everyday and international payments effortless. Send money instantly to your contacts, convert currencies with ease, and benefit from global access without banking delays. Buy and sell USDC securely between users through a supervised exchange system that protects every transaction. Flowxi acts as an intermediary to guarantee safe, transparent, and accessible transfers for everyone. Your money stays fully under your control: instant notifications, clear history, real-time spending tracking, automatic categorisation, and complete management directly in the app. Your security is a priority. Flowxi includes identity verification, biometrics, fraud protection, and the ability to freeze your card at any moment. And whenever you need help, responsive support is available directly in the app to guide you and assist you at every step. Designed for travellers, freelancers, students, expatriates, and anyone who wants a simple, modern, and international solution, Flowxi goes with you everywhere—without complexity. Join Flowxi and enjoy money that moves as fast as you do.

Earn yield on USDC, a digital dollar. Grow your balance, use Mo without gas fees, and keep control of your assets. Eligible non-US users can trade supported tokenized US stocks 24/7. When it is time to travel, book hotels directly with USDC. GROW YOUR USDC Put your USDC to work in Mo Earn vaults and earn yield in USDC. Choose from strategies with different risk levels and withdraw your yield in USDC. Returns vary and are not guaranteed. Yield involves risk, including loss of funds. USE MO WITHOUT GAS FEES Send, trade, use Earn, and manage borrowing without paying gas fees. Mo sponsors gas for in-app transactions, so you do not need to keep a separate gas-token balance. Other service fees, third-party routing and provider costs, and borrowing interest may apply. TOKENIZED STOCKS FOR ELIGIBLE NON-US USERS Buy and sell supported tokenized US stocks 24/7, with assets held in your own wallet. Available only to eligible non-US users, subject to jurisdiction and provider restrictions. BOOK YOUR NEXT STAY WITH USDC Search and book hotels directly in Mo, pay with USDC, and collect Mo Points on eligible bookings. Manage your booking in the app, including cancellations, guest changes, and rebooking where available. Use Mo Points toward future hotel bookings, eligible bank withdrawal fees, or Mo Plus. Points are separate from USDC yield and cannot be withdrawn or redeemed for cash or USDC. ACCESS USDC WITHOUT SELLING YOUR COLLATERAL Borrow USDC against supported crypto through Morpho or supported tokenized Mag7 stocks through Aave, with no Mo loan origination fee on either protocol. Stock-backed borrowing is available only to eligible non-US users, subject to jurisdiction and provider restrictions. Keep exposure to your collateral while accessing USDC. Borrowing interest is variable, and collateral can be liquidated if your position exceeds the protocol's borrowing limits. MOVE MONEY ON YOUR TERMS Send and receive USDC, or share your Mo Box tag so anyone can pay you, even without the Mo app. Add USDC through supported bank transfers with no Mo onramp fee. Bank and intermediary fees may apply. Banking features require identity verification and are subject to provider and jurisdiction availability. Optional Mo Plus removes Mo's integration fee on eligible trades and cross-chain routes, reduces eligible bank withdrawal fees, and increases Travel points. Third-party costs still apply. Mo Plus uses fixed terms without automatic renewal. YOUR WALLET, YOUR CONTROL Mo is self-custodial. Your assets stay in your wallet. Mo is not a bank or an exchange, and your assets are not insured bank deposits. Download Mo and put your USDC to work.