cred.ai vs World XPay

cred.ai is a high-tech and premium everyday card spending experience, 100% mobile with a free metal card. With the cred.ai guaranty you never pay fees or interest, never overspend, build credit automatically*, and spend your paycheck early**, with cutting edge tech you can’t get anywhere else like Check Please™ and Flux Capacitor. 100% mobile, 24/7 support, real-time control, and virtual Digital Cards active instantly upon approval. Applying does not impact your FICO score, and a FICO score is not required to apply. •giving credit where credit is due • Your metal unicorn card is a real credit card, but cred.ai™ automation and the cred.ai™ guaranty makes sure you never pay fees or interest and never overspend, and automatically manages your balances to optimize your credit utilization. Spend like you’re using a debit card, and build your credit* like a pro. • imagine if tony stark built a bank • cred.ai™ is a team of builders, scientists, artists, and hackers. That’s why we have exclusive features like Timer Mode, Friend & Foe List™, Digital Card, Check Please™, and Flux Capacitor. This is the most cutting edge way to spend every day. • won’t break the bank, but could break a window • The Unicorn Card weighs more than those other fancy black cards, but you don’t pay a fee to get it. We think it’s the best looking unicorn themed free metal card on earth, but that’s just us. • the card you carry is metal, but digital card is bulletproof • Digital Card is for your more sketch transactions, like ordering pizza over the phone, corn sites, or signing up for free trials. Regenerate Digital Card when you feel unsafe, or use them in Timer Mode for ultimate protection. Use your Digital Card online, over the phone, and in person via your phone’s mobile wallet. • original content from crednews • crednews™ is a team of award winning journalists producing original content about topics we think are important. Why would a fintech make documentaries about UBI and psilocybin? Because we can. • your bank should never be a piggy • Access the spending power of your paycheck and other deposits up to two days before they even hit.** Get cash at over 55,000 free ATMs*** make instant deposits and mobile check deposits at no fee, and all deposits are FDIC insured up to $250,000†. Use Flux Capacitor to automatically protect yourself against future charges and withdrawals. • boring but true • ○ cred.ai™ Guaranty to Never Pay Interest Or Fees ○ 24/7 Phones Answered By Humans ○ 55,000+ Free ATMs*** ○ Deposits FDIC Insured Up To $250,000† ○ We Will Never Share Your Data ○ PCI DSS & EI3PA Certified *cred.ai cannot account for all variables in your financial life or changes to reporting practices. Increases or specific changes to your credit score are not guaranteed. **Accessing your direct deposit funds early depends on the timing and schedule of when the payer submits the deposit. We generally will allow you to access the spending power of those deposits on the day the deposit file is received, which could be up to 2 days prior to the scheduled payment date. ***You can locate free ATMs using the FREE ATM finder located in your cred.ai mobile app. ATM withdrawals are cash advances against the Unicorn Card credit card, and while they are subject to the interest rates and terms outlined in the Unicorn Credit Card Agreement, you will not pay any interest on those cash advances for as long as you have a valid cred.ai guaranty. †cred.ai is a financial technology company, not a bank. The cred.ai Deposit Account is provided by WSFS Bank, Member FDIC. Deposits are insured up to $250,000 per depositor. FDIC insurance only covers the failure of an FDIC-insured bank. FDIC insurance is available through pass-through insurance at WSFS Bank, Member FDIC, if certain conditions have been met. The Unicorn Card credit card is issued by WSFS Bank pursuant to a license from Visa® U.S.A. Inc. and may be used everywhere Visa® credit cards are accepted.

FRAUD-PROOF This is the only guaranteed fraud-proof payment app in the world! XPay protects you against transaction fraud, card theft, hackers, and even lost cards. XPay changes the way your cards interact with merchants, acquirers and banks on the financial networks. A technology so powerful, it's guaranteed to be transaction safe (our lawyers cringed at first but then agreed). PRIVACY XPay also provides you with more privacy than any other payment method or eWallet. When you shop where you see the XPay logo, you'll automatically have increased financial privacy and faster check-outs. Since we just started rolling out in the US in 2020, accepted locations are growing everyday. Visit our website for merchant lists, employment opportunities and how to accept XPay at your store (world-xchange.com). EASIER AND FASTER Whether standing at the check-out or online, you'll enjoy being in control and the efficiency of the whole payment process. When online, you'll never have to fill-out another long and painful form. This is because you control the shopping cart and communication with your bank. This is the way shopping was supposed to be, with you controlling the access to your money (radical we know). DON'T MISS A THING All this added simplicity, privacy and protection using your same cards and all the perks and rewards you currently enjoy with each one. XPay doesn't change your cards, it changes how they work, making them safer, easier and more private. For more information about this amazing technology, our company, career opportunities, future territory and language roll-outs, please visit: world-xchange.com.