Your crypto, ready to use.
Convert Bitcoin, Ethereum, stablecoins and more to your Morse Balance, then spend it, invest it, or send it. No fiat conversion. No waiting.
Three ways to put your crypto to work.
Spend it
Use your Morse Visa card anywhere Visa is accepted, in stores, online, or abroad. Your USDC balance pays the bill.
Invest it
Put your balance into US stocks and ETFs directly from the app. No brokerage account, no minimums.
Send it
Free transfers between Morse users worldwide. Or send directly to bank accounts in the US, Mexico, Colombia, and more.
Investing is not available for residents of US or CA.
Deposit crypto. Use it however you want.
Deposit your crypto
Send BTC, ETH, USDC, or any supported token to your Morse account, directly from any wallet.
It converts to USDC
Your crypto is converted to USDC at the real exchange rate. It stays on-chain, no fiat, no bank middleman.
Use it, your way
Spend with your Visa card, invest in US stocks, or send it anywhere via SPEI, Pix, or ACH. All from one app.
Where you can deposit from
Deposit crypto from the networks you already use. Our stablecoins on Solana are free to deposit; every other token carries a small fee.
| Blockchain | Tokens | Deposit fee | Deposit time |
|---|---|---|---|
 Solana |
| No fee | ~2 min |
| Solana |
| Fee | ~2 min |
 Bitcoin |
| Fee | ~30 min |
 Ethereum |
| Fee | ~3 min |
 Base |
| Fee | ~3 min |
 Arbitrum |
| Fee | ~3 min |
 Hyperliquid |
| Fee | ~3 min |
 MegaETH |
| Fee | ~20 min |
 Plasma |
| Fee | ~3 min |
 Polygon |
| Fee | ~3 min |
 Tron |
| Fee | ~10 min |
A minimum deposit amount applies.
One deposit. Everything unlocked.
Most solutions need two apps and three transfers before you can touch your crypto. With Morse, you deposit once to your Morse wallet, and your balance is immediately ready to spend, invest, send, or hold in USDC.
Stays on-chain
No conversion to fiat. Your balance is USDC, not pesos or dollars in a bank.
Real exchange rate
No inflated spreads. You see the rate before you confirm.
Ready to use instantly
As soon as your deposit clears, your balance is live.
Your crypto should work harder.
Download Morse and set up your account in minutes.
