Multiple tools
or global finance.
with Mosta
Bank Accounts for Businesses that Outgrew their Bank
Trusted by businesses
across 25+ countries to move $250M+
Named accounts across 20+ currencies. One login. No more juggling four banks and a wallet.
Mosta was built around all four.
Receive. Hold. Pay.
One dashboard for all of it.
Get paid in any rail
SWIFT, SEPA, ACH, Wire, local rails, stablecoins. All your incoming money in one place — auto-categorized, auto-reconciled.
Hold smart, convert smarter
SWIFT, SEPA, ACH, Wire, local rails, stablecoins. All your incoming money in one place — auto-categorized, auto-reconciled.
Send anywhere, instantly
SWIFT, SEPA, ACH, Wire, PIX, UPI, IBFT — and stablecoin rails for the urgent ones. Compare rails side-by-side, pick the fastest or the cheapest.
Eight things you'd otherwise pay extra for elsewhere.
Sub-
accounts
Pools for payroll,
taxes, ad spend.
Real-time
alerts
Every money movement — to your team, instantly.
Multi-bank
accounts
Multiple accounts across banks — one login.
API access
Programmable
everything.
Card
issuance
Virtual or physical,
in seconds.
Multi-currency
Hold & convert 20+ currencies. Mid-market.
Reports & statements
PDF, CSV, JSON —
any period.
Approval workflows
Multi-step approvals on every payment.
Or skip the dashboard
and just ask
Mosta AI answers any question about your accounts — cashflow, balances, anomalies — in plain English.
Safe by design
Go live in a few days.
Apply in 15 minutes.
No paper. No branches.
KYB review in 24-72 hours.
Free to start.
$99 when you scale.
Free includes virtual accounts, 10 cards, and basic Mosta AI. Pro adds named accounts, every rail, full AI + MCP, and unlimited Agent Cards.
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.