Modern business banking. Built for global teams and AI agents.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

Three plans, one simple idea: everything coming in is free — fiat or crypto — and internal Mosta-to-Mosta transfers are free too. You only pay a single conversion fee when moving money out, and the plan sets that rate.

Mosta Free — $0/month, 0.8% outgoing conversion, virtual USD account, 10 virtual cards, global payouts across 25+ currencies, Mass Payouts and Invoicing.

Mosta Pro — $99/month, 0.5% outgoing conversion, named accounts in USD, EUR, and AED, 100 virtual and physical cards, 3rd-party cross-border pay-in and pay-out, API and webhooks with sandbox, dedicated account manager.

Mosta Enterprise — custom pricing, at-cost conversion, custom banking partners, unlimited co-branded cards, Crypto Processing module, MPC self-custody or hybrid. Free to start. $99 when you scale.

Mosta Free is $0/month with 0.8% outgoing conversion. You get a virtual USD account, 10 virtual cards, Global Payouts across 25+ currencies, Mass Payouts and Invoicing. Incoming payments (fiat or crypto) are free, internal Mosta-to-Mosta transfers are free, and there's no minimum balance or inactivity fee. Mosta AI and MCP are included on every plan. Physical cards, named accounts, API access, and dedicated support come with Pro.

No transaction-size limits and no monthly volume caps on the Mosta side. Crypto Processing volume is unlimited on Enterprise. 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.

FX between currencies is set at market rate by the underlying banking partner. For non-USD payouts, FX is quoted on demand before you confirm — no hidden markup.

On cards, international transactions carry a flat 1.5% FX fee.

Fiat-to-stablecoin conversions happen at the plan's outgoing conversion rate (0.8% Free / 0.5% Pro / at-cost Enterprise) with no separate FX fee.

Yes — for Enterprise partners with the Crypto Processing module, we offer 0% pay-in and 0% pay-out when funds settle into USDM and are held for 2 days or more. A short minimum hold applies on the USDM settlement leg. Talk to us if you're moving meaningful volume — pricing is confirmed per integration.