MobileCoin Transaction Cost Calculator
Send MobileCoin Payments
Calculate transaction costs and time for sending MobileCoin (MOB) payments through Signal
MobileCoin isn't just another cryptocurrency. It was built from the ground up to work on your phone-fast, private, and without needing a separate app. If you’ve ever sent money through Signal, you’ve probably used MobileCoin without even realizing it. This isn’t theoretical. Over 700 million Signal users have access to MOB payments right inside their messaging app. But what exactly is MobileCoin, and why does it matter?
How MobileCoin Works: Digital Cash for Your Phone
MobileCoin (MOB) is designed to feel like cash-but digital. When you send MOB to someone, only you and the recipient know the amount. No one else on the network can see it. That’s thanks to Ring Confidential Transactions (RingCT), a privacy tech borrowed from Monero but optimized for speed. Unlike Bitcoin, where every transaction is public, MOB hides sender, receiver, and amount by default.
What makes it different from other privacy coins is how lightweight it is. A full MobileCoin node only needs 128MB of RAM. That means even an old Android phone can run one. Most cryptocurrencies require powerful hardware, but MobileCoin was built for the real world: phones with limited storage, slow processors, and spotty internet.
Behind the scenes, MobileCoin uses something called Fog. Fog acts like a middleman that helps your phone find payments and send them without exposing your data. Your phone talks to Fog servers, which do the heavy cryptographic lifting. This keeps your device fast and your privacy intact. It’s not perfect-Fog is currently run by just three independent providers-but it’s the reason MobileCoin works on a phone at all.
Signal Integration: The Killer Feature
The biggest reason MobileCoin even exists is Signal. In March 2022, Signal rolled out built-in MOB payments. Now, if you’re using Signal version 5.12 or later, you can send crypto with a tap-just like sending a text. No wallet download. No seed phrases. No exchange account. You open Signal, tap the dollar sign, enter the amount, and hit send. Done.
This isn’t a gimmick. It’s the most successful crypto integration ever with a mainstream app. Signal has over 700 million users. Most of them don’t know what blockchain is. But they know how to send a message. MobileCoin turned that into a payment network overnight.
People are using it. In Jakarta, a remittance service called Jenius Pay processed $2.3 million in MOB transactions in just one quarter. Fees? Around $0.0007 per transaction. That’s 98% cheaper than Western Union. In the Philippines, someone sent $15 to their sister in under three seconds-no bank, no intermediary, no waiting.
Supply, Price, and Market Reality
There will only ever be 250 million MOB coins. As of December 2025, about 198 million are in circulation. That’s 79% of the total supply. Unlike Ethereum or Bitcoin, MobileCoin didn’t have an ICO or public sale. Most coins were distributed through mining, team allocations, and ecosystem grants.
The price history tells a wild story. MOB hit $71.96 in April 2021. That was hype. By March 2024, it crashed to $0.05367. Today, it’s hovering around $0.188. That’s a 99.7% drop from its peak. Why? Low liquidity. The 24-hour trading volume is only around $30,000. That’s less than a single tweet from Elon Musk can move in Bitcoin. If 100 people suddenly try to sell, the price could plummet again.
It’s ranked #530 by market cap-way behind Monero ($2.8 billion) or Zcash ($784 million). MobileCoin isn’t competing with them on trading volume. It’s competing on usability. And in that, it’s winning.
Speed, Security, and Environmental Claims
Transactions confirm in under five seconds. That’s faster than Ethereum and way quicker than Bitcoin’s 10-minute average. It’s designed for real-time use-buying coffee, splitting a bill, sending cash to family abroad.
Security is a double-edged sword. Every transaction requires a 6-12 digit PIN. That’s meant to protect your funds if your phone is stolen. But if you forget your PIN? There’s no seed phrase backup. You lose everything. Security researchers have warned this is a single point of failure. Traditional crypto wallets use 12- or 24-word recovery phrases. MobileCoin doesn’t. It’s simpler for users-but riskier if you mess up.
MobileCoin also claims to be carbon-negative. For every million transactions, the network removes 1.2 metric tons of CO2. That’s not marketing fluff. It’s backed by verified carbon offset partnerships. In a world where Bitcoin mining draws criticism, MobileCoin’s low energy use and environmental stance are rare advantages.
Who Uses MobileCoin-and Where
Most MOB users aren’t tech investors. They’re people in emerging markets who need fast, cheap ways to send money. Over 63% of active MOB addresses come from Southeast Asia and Latin America. Countries like Indonesia, the Philippines, Brazil, and Mexico have high smartphone use but low banking access. MobileCoin fills that gap.
Demographics show 68% of users are between 25 and 44. Most are male. They’re not day traders. They’re parents sending money home, small business owners paying suppliers, students paying rent. The average user sets up MOB in under 7 minutes and sends their first payment in 15.
But adoption is uneven. Only 12,450 merchants accept MOB. That’s less than 6% of active addresses. Almost all transactions are peer-to-peer. You can’t buy groceries with it. You can’t pay your electric bill. That’s the biggest hurdle.
Problems and Risks
MobileCoin has serious weaknesses. First: it’s tied to Signal. If Signal ever drops MOB support, the whole project could collapse. Facebook’s Diem wallet died when Facebook abandoned it. Signal isn’t a crypto company. It’s a messaging app. Its priorities could change.
Second: customer support is nearly nonexistent. There’s no phone line. No live chat. Just email-average response time is over two days. Users report losing money because PIN recovery failed. One Reddit user lost $8 because the system wouldn’t let them reset their PIN. No help came.
Third: regulatory pressure is rising. Indonesia’s central bank suspended Signal payments in October 2025. The European Union is checking if MobileCoin violates MiCA rules. The U.S. FinCEN is asking for AML data. Privacy coins are under global scrutiny. MobileCoin’s anonymity features make it a target.
What’s Next for MobileCoin?
MobileCoin isn’t standing still. In November 2025, they announced Project Atlas: plans to integrate with WhatsApp and Telegram. If that happens, user numbers could explode. WhatsApp has over 2.4 billion users. Telegram has 900 million.
They’re also rolling out merchant tools. By mid-2026, they plan to let businesses accept MOB payments with simple invoicing and POS integrations. Right now, 93.7% of MOB transactions are person-to-person. That needs to change if it wants to survive beyond 2027.
They’ve also upgraded the network. The Falcon Protocol cut confirmation times by 24%. Project Green, launched in December 2025, locks in carbon-negative status with verified offsets. These aren’t just updates-they’re survival tactics.
Should You Use or Invest in MobileCoin?
If you use Signal and want to send crypto privately and instantly? Try it. It’s free. Easy. Fast. Low fees. No risk beyond forgetting your PIN.
If you’re looking to invest? Be careful. The market is tiny. Liquidity is low. Price swings are extreme. It’s not a stock. It’s not a long-term store of value like Bitcoin. It’s a utility token tied to one app’s success. If Signal drops it, MOB could go to zero.
MobileCoin’s future depends on one thing: expansion. If it stays locked inside Signal, it’ll remain a niche tool. If it breaks out to WhatsApp, Telegram, or payment apps, it could become the first real mobile cash system the world has ever seen.
Right now, it’s a quiet experiment. But it’s the most promising one in crypto for everyday use.
Is MobileCoin the same as Bitcoin?
No. Bitcoin is public-everyone can see who sent what to whom. MobileCoin hides transaction details by default. Bitcoin takes 10 minutes to confirm. MobileCoin takes under 5 seconds. Bitcoin needs powerful computers to run a node. MobileCoin runs on a phone. They serve completely different purposes.
Can I buy MobileCoin on Coinbase or Binance?
Not directly on Coinbase or Binance. MobileCoin is only listed on a few smaller exchanges like Gate.io, KuCoin, and Bitrue. Most users get MOB through peer-to-peer trades or by receiving it via Signal. Don’t expect to find it on major platforms anytime soon-it’s not a priority for them.
How do I get MobileCoin?
The easiest way is through Signal. If you have Signal installed, open a chat, tap the dollar sign, and follow the prompts to set up your wallet. You can receive MOB instantly. To buy it, you’ll need to use a crypto exchange that lists MOB, like Gate.io. Transfer USDT or BTC to that exchange, then buy MOB. Always store your PIN securely-there’s no recovery if you lose it.
Is MobileCoin safe to use?
It’s secure from hackers because transactions are encrypted and private. But it’s risky if you forget your PIN. Unlike traditional wallets with seed phrases, MobileCoin has no backup. If you lose your PIN, you lose your coins forever. Use a strong PIN and write it down somewhere safe. Also, avoid sending large amounts until you’re confident in the system.
Why is MobileCoin’s price so low compared to its all-time high?
Its price crashed because it was overhyped in 2021. People bought it expecting it to become the next Bitcoin. But it never expanded beyond Signal. Low trading volume, limited exchange listings, and lack of merchant adoption kept demand low. The 99.7% drop reflects market reality-not a technical failure. It’s now priced for its actual use case: small, private mobile payments.
Can I mine MobileCoin?
No. MobileCoin doesn’t use mining. All coins were distributed through initial allocations and network rewards. The only way to get MOB now is by buying it on exchanges, receiving it via Signal, or earning it through community programs. There’s no way to mine it on your phone or computer.
