evidence: Abstract mRNA formulated with lipid nanoparticles is a transformative technology that has enabled the rapid development and administration of billions of coronavirus disease 2019 (COVID-19) vaccine doses worldwide. However, avoiding unacceptable toxicity with mRNA drugs and vaccines presents challenges. Lipid nanoparticle structural components, production methods, route of administration and proteins produced from complexed mRNAs all present toxicity concerns. Here, we discuss these concerns, specifically how cell tropism and tissue distribution of mRNA and lipid nanoparticles can lead to toxicity, and their possible reactogenicity. We focus on adverse events from mRNA applications for protein replacement and gene editing therapies as well as vaccines, tracing common biochemical and cellular pathways. The potential and limitations of existing models and tools used to screen for on-target efficacy and de-risk off-target toxicity, including in vivo and next-generation in vitro models, are also discussed. [...] Giannotta, G. & Giannotta, N. mRNA COVID-19 vaccines and long-lived plasma cells: a complicated relationship. Vaccines9, 1503 (2021). [...] Kackos, C. M. et al. mRNA vaccine mitigates SARS-CoV-2 infections and COVID-19. Microbiol. Spectr.11, e04240–e04222 (2023).