Mo vs Slatefi

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 Points are separate from USDC yield and cannot be withdrawn or redeemed for cash or USDC.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.

Slate is a global money account built for how you actually move money today. Hold, send, and spend across currencies and borders without the usual friction. One account with access to bank rails, crypto, and mobile money. Hold multiple currencies • USD, EUR, and GBP accounts with your own details for ACH, Wire, SEPA, and Faster Payments • USDC, USDT, PYUSD, and EURC on Solana, Ethereum, Base, and Polygon • NGN and GHS wallets for instant local payouts Send money globally • Bank transfers to the US, UK, EU, Nigeria, and Ghana • Crypto transfers to any wallet across supported networks • Mobile money payouts to MTN, Telecel, AirtelTigo in Ghana, and major Nigerian banks • Live FX rates so you see exactly what the recipient gets before sending Spend with a virtual card Create a virtual card funded from your balance. Pay online, track transactions, and view merchant details in real time. Earn on your balance Idle dollar balances earn yield automatically. No lockups. Withdraw anytime. Built for real-world use • Face ID and PIN protection on every session • Instant notifications when money moves • Clear, detailed receipts • Support for 20+ countries at launch Pay a freelancer in Lagos, send money to family in Accra, get paid in USD, or hold stablecoins. Slate keeps it simple. Download Slate and get a global account in minutes.