We believe that each citizen of the world should be able to effortlessly send and receive money with their phone, no matter where they live, which telco they use, whether they have a bank account, a credit card or just cash in their pocket, no matter how much they earn and what they buy.

Mobino executes two complementary strategies towards this vision:
- in OECD countries: we bypass credit cards and connect directly with bank accounts towards real-time transactions, thereby slashing costs and risks, and improving the user exprience
- in unbanked or underbanked countries: we build and operate a national e-cash infrastructure on behalf of the central bank, instead of fighting with local money transfer services