Modern business banking. Built for global teams and AI agents.
Accounts, cards, cross-border payments, and stablecoin infrastructure – run it yourself or let your AI agent do it.
One platform.
Every way to move money.
Accounts, cards, payments,
invoicing — built natively
on our stablecoin settlement layer
Business Accounts
Named segregated accounts at Tier-1 partner banks
Corporate Cards
Unlimited virtual & physical cards
Cross-Border Payments
SWIFT, SEPA, Wire & 10+ local rails
Invoicing
Branded invoices in minutes. Auto-reconcile incoming payments.
Crypto Processing
Accept stablecoins via widget, checkout, API. Auto off-ramp to fiat, or hold on-chain
Mass Payouts
Payroll, contractors, affiliate rewards
Built for your industry
From Web3 exchanges to travel agencies — teams across nine verticals run on Mosta
Web3 & Crypto Platforms
DeFi, exchanges, OTC desks, tokenized assets.
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AI & Agentic Startups
Agent cards, MCP-native ops, programmable spend.
E-commerce & Marketplaces
Cross-border sellers, online stores, delivery platforms.
Agencies & Media Buyers
Performance agencies, ad networks, affiliates.
Cross-Border Payroll & EOR
Global contractor and salary payouts in 40+ countries.
Tech Startups & SaaS
Software, mobile, subscription platforms.
Online Travel Agencies
Booking platforms, tour operators, travel tech.
Wholesalers & B2B Trade
Import/export, cross-border commerce.
Investment & Asset Management
Funds, brokers, family offices, real estate.
One entry. One exit.
Zero friction.
Every product above flows through one architecture — fiat in, stablecoin settlement, fiat or crypto out. 24/7.
Money
is changing.
Money →
is changing.
Mosta makes it seamless.
Mosta makes it seamless.
USDM. The settlement layer
for modern business.
A USD stablecoin built for instant cross-border settlement, zero-fee stablecoin flows, and institutional custody. Used across Mosta — and beyond.
Zero-fee flows
Instant settlement on stablecoin rails — no intermediaries, no markup.
Cross-border settlement
Instant settlement across borders, with institutional-grade custody.
Banking that moves
at the speed of AI
Use our AI, bring your own, or give your autonomous agents their own cards. However you operate — Mosta has the rails.
Your finance chief of staff,
inside Mosta
-> Draft payments with approval workflows
-> Answers across all entities, in seconds
-> Reports on demand
-> Auto-reconciliation with your accounting
Bring your own AI. Connect Claude,
ChatGPT, Cursor — or any MCP client.
-> Works across
ACH, Wire, SWIFT, SEPA, mUSD/USDC/USDT
-> One-line setup, any MCP client
-> Real-time balances and transactions
-> Open accounts, issue cards, send payments
Give your AI agents their own
cards. Safely.
-> Per-card limits, time-boxed TTL
-> Funded instantly with fiat or mUSD
-> Issue via API or MCP
-> Single-use, merchant-locked, MCC-restricted
Built on Mosta's own banking infrastructure. No middleware, no external issuer.
Global
by Default
countries with card acceptance
currencies to hold & transact
local payment rails
Security beyond banking
Institution-grade protection, regulated infrastructure, global licensing.
MSB
Licensed
Fully licensed operations with trusted partners across every key jurisdiction.
SOC 2
Type II
Annual independent auditsacross security, availability,confidentiality.
Real-time KYC/KYB
Integrated onboarding, sanctions screening, transaction monitoring
Real-time KYC/KYB
Named accounts in your entity's legal name at Tier-1 partner banks.
MPC
custody
Institutional MPC wallets, or self-custody for enterprise clients
PCI-DSS compliant
Card issuance and tokenization that meet every major network standard.
24/7
monitoring
Live incident response and global support across all time zones.
Agent guardrails
Per-card limits, MCC locks, TTL expiry, full audit trails for every agent action.
Teams running real
money on Mosta
processed
globally
countries with
active customers
business
on mosta
Simple plans.
Built to grow with you.
Start free. Upgrade when you need named accounts, full API, and AI.
Free
Your first account — live in minutes, $0 to start.
Incoming payments · 0%
Mosta-to-Mosta · 0%
Virtual USD accounts
Payouts in 25+ currencies
On/off-ramp · 0.8%
10 virtual + physical cards
Mosta AI · MCP · 10 Agent Cards
Mass Payouts & Invoicing
Starter
Go global. Named accounts and cards that work everywhere.
Named segregated accounts
3rd-party cross-border pay-in & pay-out
100 virtual + physical cards · $0 monthly
On/off-ramp · 0.7%
Pro
When business is humming and you want it all in one place.
Named accounts · USD/EUR/AED
100 cards · $0 monthly
On/off-ramp · 0.5%
3rd-party cross-border & contractor transfers
Full Mosta AI · MCP · unlimited Agent Cards
Full API · webhooks
Dedicated manager
Enterprise
Big plans? Banking, shaped around you.
Volume-based · at-cost rails
Unlimited cards
mainUSD (USDM) · 0% settlement
Crypto Processing · 35+ networks
MPC self-custody or hybrid
Dedicated AI agents
24/7 priority SLA
Move money at the speed of modern business
Let's Talk
Still have questions?
Ask us anything. Let’s explore how Mosta can help your business move money globally
FAQ
How fast can I open a Mosta account?
Standard accounts go live in 24–48 hours after we receive your KYB documents. Named bank accounts (with your business name on the IBAN) take 3–10 days, depending on jurisdiction and complexity. You see your status at every step — no black-box waits.
Which countries and businesses can use Mosta?
We support businesses incorporated in most major jurisdictions. We don't onboard businesses in sanctioned countries or in restricted industries — the full list is in our Prohibited Activities Policy. If you're unsure about your situation, talk to sales — we'll tell you in a day.
What documents do I need to apply?
For the company: — Certificate of Incorporation — Articles of Association — Proof of Ownership — Proof of Address (dated within the last 90 days)
For each UBO: — Passport or government-issued ID — Proof of Address (dated within the last 90 days)
Depending on your structure, we may ask for additional documents during review. Everything is uploaded through your dashboard — no notarization, no couriers.
Can I open accounts for multiple entities?
Yes — manage multiple entities (subsidiaries, holding structures, fund vehicles, DMCC / Free Zone companies) from one login. Each entity gets its own accounts, cards, and balances. You can move funds between them in seconds via USDM.
Do I need to be a tech or stablecoin-native business?
No. Mosta works for any global business — agencies, e-commerce, SaaS, marketplaces, payroll providers, travel agencies, funds. You don't need to know anything about stablecoins to use Mosta — they work in the background as a settlement rail when it's faster or cheaper.
What if my business is brand new?
We work with early-stage companies as long as you have legal incorporation, a clear business model, and standard KYB documents. We're not a fit if you're a personal venture without a registered entity, or in industries listed in our Prohibited Activities Policy.
What products does Mosta offer?
Six core products on one platform: Business Accounts (multi-bank, multi-currency), Corporate Cards (virtual and physical), Cross-Border Payments (any rail to anywhere), Invoicing (fiat or stablecoin), Stablecoin Processing (accept any stablecoin on any chain), and Mass Payouts (1 to 10,000 in one batch). All share one login, one ledger, one API.
What is USDM and how does it fit in?
USDM is a USD stablecoin built for instant cross-border settlement and zero-fee stablecoin flows. It's fully reserved, held in qualified custody, and audited regularly. Mosta uses USDM as the default settlement layer — it's how we move money between currencies, countries, and accounts in seconds. You can also hold balances in USDM directly.
Which stablecoins and chains do you support?
We accept USDC, USDT, and USDM across TRC20, ERC20, Solana, BSC, and TON. 25+ more chains available on request. Incoming fiat payments can be auto-converted to USDM or another stablecoin. Incoming stablecoin payments are credited as-is — you can convert between stablecoins manually anytime.
Can I issue cards for AI agents?
Yes — Agent Cards are virtual cards designed for autonomous AI agents. Each card can be single-use, merchant-locked, MCC-restricted, and capped by amount and time. Currently in early access — talk to us about pilot programs.
What payment rails do you support?
A wide range — local rails in every major economy plus SWIFT for everywhere else. United States: ACH, Wire, SWIFT. Eurozone: SEPA / SEPA Instant. United Kingdom: FPS, SWIFT. Hong Kong: HKD RTGS (FPS), SWIFT. Singapore: FAST, SWIFT. Japan: Zengin, SWIFT. India: IMPS / NEFT. Indonesia: BI-FAST / GPN. South Korea: KFTC. Thailand: PromptPay. Philippines: InstaPay, PESONet. Brazil: PIX. Mexico: SPEI. Colombia: SPI. Argentina: Transfers. Canada: EFT. Plus USDM stablecoin rail for instant cross-border. New corridors added monthly — talk to us about yours.
Do you support mass payouts and batch processing?
Yes — Mass Payouts is a core product. Upload a CSV or fire an API call with up to thousands of recipients. Mosta routes each payment through the best rail automatically. No batch-size limits, no per-payment fee tiers, no monthly volume caps.
Where is my money held?
Mosta does not hold fiat funds directly. Your fiat is held at regulated banking partners in segregated client accounts — segregation is our obligation as a registered Money Services Business. Stablecoin balances are held in qualified custody. Your funds are never lent out, invested, or co-mingled with Mosta's operating funds.
How are my funds protected?
Your fiat funds sit at regulated banking partners in segregated client accounts — Mosta itself does not hold your fiat. Stablecoin balances are held in qualified custody, separated from Mosta's operating assets. Specific protections depend on the banking partner and jurisdiction — for the details that apply to your setup, talk to us.
What licenses and partner banks does Mosta work with?
Mosta operates as a registered Money Services Business and works through a network of regulated banking partners and licensed payment institutions across multiple jurisdictions. We're not a bank — we partner with the ones that are.
How do you handle KYC and AML?
Every business goes through KYB (Know Your Business) verification before going live. We follow applicable AML standards in the jurisdictions where we operate, including ID verification, beneficial ownership checks, sanctions screening, and ongoing transaction monitoring. Higher-risk transactions trigger enhanced due diligence.
What happens to my data?
Your data is yours. We use it to operate your account and provide our services — nothing else. We don't sell data to third parties, and we don't share it for marketing purposes. Data is encrypted at rest and in transit, with role-based access controls and audit logs. We follow applicable data protection laws in the jurisdictions where we operate.
How much does Mosta cost?
Three tiers. Mosta Free — $0/month, get virtual USD accounts, basic AI, on/off-ramp for USDC/USDT/USDM, up to 10 cards, 1 entity. Mosta Pro — $49/month, named accounts in 20+ currencies, every rail, unlimited cards and entities, full AI and MCP, API access. Mosta Enterprise — custom pricing for high-volume teams, includes MPC self-custody, co-branded cards, multi-jurisdiction setups, 24/7 SLA. Free to start. $49 when you scale.
What's included in the free plan?
Mosta Free includes: virtual USD accounts, on/off-ramp between fiat and USDC/USDT/USDM, up to 10 cards, basic Mosta AI, 1 entity, 3 team members. You can run real payments, real cards, real invoicing. No demo limits. Free really means free — no time-bombed trial.
Are there transaction or volume limits?
No transaction-size limits and no monthly volume caps on the Mosta side. Large transactions go through standard compliance review, but you won't hit an arbitrary tier-based cap. We process millions of dollars per batch routinely.
What FX rates and fees do you offer?
FX conversions happen at near mid-market rates with a small spread. Spread varies by currency pair and amount — major pairs (USD/EUR, USD/AED) are tighter than exotic pairs. Fiat-to-stablecoin conversions are typically tighter still. We show the exact rate and any spread before you confirm — no hidden markup.
Is there a way to get zero processing fees?
Yes — for Enterprise partners, we offer a special arrangement: hold your balance in USDM and you get free conversion between USD, USDM, and other major stablecoins in both directions, plus zero processing fees on stablecoin flows. It's a hand-shake deal — talk to us if you're moving meaningful volume.