Privacy
Conversations stay between you.
A chat where you write in private and send money right inside the message - without switching to another app.
very soon
With us it starts with a payment. Ask for money or send it - to a friend, family, anyone, across banks and without copying account numbers. And every payment takes you further: to money back from Stardust, to messages kept private and to an identity you control.
Every payment is confirmed by you in your own banking app - securely and in a few taps.
Mo.one a.s. is a payment institution licensed by the Czech National Bank (AIS and PIS under PSD2).
We are ordinary people from the Czech Republic and we play fair: fair terms, no small print. We earn on payments - we give you full control over your data, and when you put it to use yourself, you get paid. Here is what you get with Mo.one.
A chat where you write in private and send money right inside the message - without switching to another app.
very soon
Everyone here goes through identity verification under the same rules that apply to banks. So with listings or resales between people, you know who you are really talking to.
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Paying someone back for lunch or chipping in for a gift means copying an account number today, or scanning a code through two confirmations in your bank. Here you send a payment request to anyone - and across banks it is paid in a few taps.
available today
Mo.one identity in your pocket: confirm that it is really you. Or just that you are 18+ - prove exactly what you want and nothing more. All confirmed securely and simply from your phone.
in preparation
Every service today wants your monthly payment. Stardust turns that around: for ordinary paying, your points turn into money every month. The money comes to you.
We want a healthy algorithm, not an endless feed. Content that gives you something, and the decision about what you see stays with you.
vision
You choose an organisation and we send it a share of every payment you make, out of our own fee. What you spend does not change - only where the fee goes.
We are a purely Czech company with no foreign capital. Fees for payments through Mo.one stay in the Czech economy.
leaves Czech retail for foreign card networks every year. Mo.one returns it where it belongs: to Czech business owners and their customers.
This is what a day of paying directly from your bank looks like. Everything in one app and every payment confirmed by your bank.
You tap your phone on the terminal, a notification arrives from your bank and two taps confirm it. The money goes directly from account to account through CERTIS at the Czech National Bank.
Points for ordinary paying that turn back into money every month. No coupons and no extra sign-up, you collect them automatically.
We like to call it a subscription turned inside out. Today every service wants a monthly payment from you. Stardust turns that around: every month the money comes to you.
Invite friends and Mo.one sends you a share of their payments. Part of the app from day one.
More about Díky Tobě 04 · Mo.one PomáháChoose an organisation and Mo.one sends it a share of every payment you make, out of its own fee. What you spend does not change.
More about Mo.one Pomáhá 05 · MultibankingConnect accounts from nine banks and always pay from the one you want.
More about multibankingDownload the app, connect your bank and pay straight from your account. With Stardust points for every payment.
Download the appMoney in your account within three seconds and direct payment at 0.49 %. Terminal, PayPoint and the Mo.one Hub point of sale, free for two years in the current pilot. Work out how much direct payments save you.
Accept direct paymentsHelp business owners around you with the cost of accepting payments. Regular income from your own business, with training and support.
I want to become a franchiseeThis is not an experiment. Whole countries have already done it.
Share of cards in payments
Sources · Banco Central do Brasil · RBI 2024 · ČNB and SBK · ECB SPACE 2024
Paying straight from your account, Stardust, Díky Tobě and Pomáhá. The core you use all the time - and it is finished.
Messages and money in one app - to a friend, family, for a shared gift. We are building it so your conversations stay between you.
One sign-in for paying and for other services. Mo.one is becoming a space that holds much more.
Download the Mo.one App, connect your bank and pay straight from your account.
