VANCOUVER, British Columbia — Mogo Inc. (“Mogo” or the “Company”) (NASDAQ: MOGO; TSX: MOGO), a leading Canadian digital wealth, lending, and payments platform, has announced that its Board of Directors has authorized the allocation of up to $50 million to Bitcoin. This strategic move supports the company’s long-term capital preservation goals and reinforces its deep integration of Bitcoin across treasury policy and core business operations.
With nearly a decade of innovation in digital assets, Mogo continues to position itself at the forefront of financial evolution. In 2018, it launched Canada’s first Bitcoin account, and in 2020, became the third U.S.-listed company to add Bitcoin to its balance sheet—preceding Tesla and following MicroStrategy and Block.
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Board-Approved $50 Million Bitcoin Treasury Strategy
Following the anticipated closing of the WonderFi–Robinhood transaction in late 2025, Mogo expects to hold approximately $50 million in cash and investments. The newly approved Bitcoin allocation will be funded through excess balance sheet cash and future monetizations from strategic holdings, including stakes in Gemini, a U.S.-based crypto exchange, and Hootsuite, a Canadian technology leader.
The company plans to build its Bitcoin position gradually, using a disciplined, multi-year investment approach. The goal is to scale to a full $50 million reserve while ensuring sufficient working capital remains available for ongoing business operations.
This treasury strategy reflects more than just asset diversification—it signals a long-term conviction in Bitcoin as a store of value and a hedge against macroeconomic uncertainty.
Bitcoin as a Capital Allocation Benchmark
In a bold step toward financial discipline, Mogo will now evaluate all major capital decisions—such as mergers and acquisitions, internal investments, or share buybacks—against a Bitcoin hurdle rate. This means the company will only pursue initiatives expected to deliver long-term returns superior to those of holding Bitcoin.
“This sets a new standard for capital discipline,” said Greg Feller, President and Co-Founder of Mogo. “If we don’t believe an initiative can outperform Bitcoin over time, we won’t move forward. It’s that simple.”
By treating Bitcoin not just as an asset but as a performance benchmark, Mogo embeds it into the very DNA of its corporate decision-making framework. This approach aligns shareholder value creation with one of the most disruptive financial innovations of the 21st century.
A Dual-Compounding Growth Model
Unlike many companies that hold Bitcoin passively, Mogo is building a dual-compounding strategy: growing its core fintech platform while accumulating a high-conviction Bitcoin treasury.
The company operates across three scalable verticals:
- Wealth Management: Over $400 million in assets under management (AUM), offering accessible investment tools.
- Lending: Canada’s only subprime lender integrated with holistic wealth-building solutions.
- Payments: Through Carta Worldwide, processing over $12 billion annually in international transactions.
Bitcoin acts as a complementary reserve asset that can appreciate alongside operational growth. The vision? To build a business with potential for billion-dollar enterprise value—mirrored by a similarly scaled Bitcoin treasury.
“This isn’t just about holding Bitcoin,” said Greg Feller. “It’s about creating a flywheel where business growth fuels capital for Bitcoin accumulation, and Bitcoin appreciation strengthens our financial foundation.”
Integrating Bitcoin Across Core Business Lines
Mogo is embedding Bitcoin into its product ecosystem to deliver tangible value to both shareholders and its 2 million Canadian members.
Wealth Management: Introducing the Flagship Bitcoin Portfolio
Mogo will launch a new Bitcoin Portfolio based on a 60/40 equity-to-Bitcoin model. Designed for long-term investors, this portfolio emphasizes Bitcoin’s role as a disruptive store of value rather than a speculative instrument.
Educational resources and behavioral guidance accompany the offering, ensuring users make informed decisions aligned with their financial goals.
Lending: Unlocking Access Through Innovation
Mogo is developing Bitcoin-backed lending products that allow members to gain exposure to digital assets—even without direct ownership. These products may also offer reduced borrowing costs by leveraging on-chain collateral mechanisms in the future.
Payments: Exploring Stablecoins for Faster Cross-Border Transfers
With over $12 billion in annual cross-border payment volume, Mogo is actively exploring stablecoin infrastructure to enable faster, lower-cost international transactions. This could significantly improve user experience while reducing reliance on traditional banking rails.
Behavioral Finance Meets Digital Assets: The Buffett Mode Philosophy
At the heart of Mogo’s strategy lies Buffett Mode, a behavioral-first investment philosophy emphasizing patience, clarity, and long-term thinking.
“We’re not here to speculate,” said David Feller, Founder and CEO of Mogo. “We’re here to help Canadians build real wealth—using tools that reflect where finance is headed.”
This mindset rejects hype and short-termism. Instead, it promotes intentional investing grounded in financial literacy and mental resilience. Bitcoin is presented not as a default choice but as a strategic option for informed investors who understand its potential and risks.
Mogo provides educational content, flexible product options, and decision-making frameworks—empowering users to navigate digital assets responsibly.
Democratizing Responsible Bitcoin Access
With 2 million members across Canada, Mogo is uniquely positioned to expand access to Bitcoin through trusted, compliant financial products. Its platform reflects a long-term belief in digital assets as tools for wealth preservation, not speculative gambling.
“This is about financial independence,” added Greg Feller. “We believe Bitcoin will increasingly influence how capital is stored, allocated, and measured—and we’re building Mogo to lead in that future.”
By combining regulatory compliance, user education, and scalable technology, Mogo aims to make Bitcoin accessible to everyday consumers—not just crypto enthusiasts.
Frequently Asked Questions (FAQ)
Q: Why is Mogo investing in Bitcoin now?
A: Mogo’s decision follows years of experience in digital assets and aligns with its long-term capital strategy. With expected liquidity from the WonderFi–Robinhood transaction, the company sees an opportunity to build a meaningful Bitcoin reserve as part of disciplined treasury management.
Q: How will Mogo use Bitcoin beyond treasury holdings?
A: Bitcoin will be integrated across Mogo’s wealth, lending, and payments platforms. This includes launching a Bitcoin investment portfolio, developing crypto-enabled lending products, and exploring stablecoin-based payment solutions.
Q: Is Mogo shifting focus away from its core business?
A: No. The Bitcoin strategy complements—not replaces—Mogo’s core operations. The company continues to grow its wealth, lending, and payments businesses while using Bitcoin as a strategic reserve asset.
Q: What is the ‘Bitcoin hurdle rate’?
A: It’s a benchmark used to assess all capital allocation decisions. Any investment—whether in acquisitions, product development, or buybacks—must be expected to outperform the long-term return potential of holding Bitcoin.
Q: How does Mogo ensure responsible adoption of Bitcoin?
A: Through education, behavioral guidance, and regulated product design. Mogo does not promote speculation; instead, it offers tools for informed investors seeking long-term financial empowerment.
Q: Will Mogo convert all cash reserves to Bitcoin?
A: No. The $50 million allocation represents an upper limit funded gradually from excess capital. Sufficient liquidity will always be maintained to support ongoing business operations.
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