Mo vs Collis

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 Points are separate from USDC yield and cannot be withdrawn or redeemed for cash or USDC.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

Collis helps travelers pay easily in Rwanda without carrying cash or needing a local SIM card. Top up your wallet with a debit or credit card, pay directly into local mobile money accounts, and withdraw whatever's left when your trip is over. INSTANT WALLET TOP-UP Skip the search for an ATM, the currency exchange counter, and the SIM card registration desk. Add money to your Collis wallet straight from your debit or credit card, and it's available immediately. Start paying for what you need without delays. PAY ANYONE, ANYTIME In Rwanda mobile money is how everyday transactions happen — from street food to taxis to splitting a bill with a friend. Collis lets you send money directly to a mobile money number from your wallet, so you're never stuck without the right change or hunting for an ATM machine. In Rwanda, for example, you can pay directly to MTN Mobile Money or Airtel Money numbers. WITHDRAW WHAT YOU DON'T USE Leftover balance at the end of your trip doesn't have to go to remain. Send what's left in your Collis wallet back to your card via PayPal, so you only spend what you actually need while you’re here and keep the rest. WHO COLLIS IS FOR Whether you're backpacking, on a business trip, or visiting Rwanda for any other reason, Collis is built to remove the friction of paying in Rwanda where you don't have a SIM card, a local bank account, or easy access to cash. Download Collis and pay your way, wherever your trip takes you. PRICING Sending money costs 350 RWF (about $0.25) each time, no matter how much you send. Getting your money back to your card costs $3, sent through PayPal. Adding money to your wallet costs an extra 3% of the amount you add. These prices may change, but you'll always see the exact cost before you confirm anything in the app.