Memo Bank Authenticator vs KlipbitNeo

Pairing a mobile device with your Memo Bank account makes verifying your identity and approving sensitive financial operations simple and secure. You will not be able to access your online account without downloading the app. Important: this application is designed solely for the purpose of securing your account and associated transactions. If you would like to check your balance using a mobile device, simply access our mobile-responsive site https://client.memo.bank from your device’s browser. To pair your iPhone or iPad with your Memo Bank account, download the app and scan the QR code that appears on your computer screen when you connect to your account. Once the app has been installed and linked to your Memo Bank account, that’s it. There is nothing else to do on your part. You will automatically receive a notification each time you need to authorize any of the following: - Logging into your Memo Bank account; - Changing of your password; - Inviting a new user; - Sending a wire transfer; - Adding a beneficiary; - Adding a direct debit mandate. To reinforce your iPhone or iPad’s security, you can add Touch ID or Face ID authentication.

KlipbitNeo is a self-custodial wallet for Bitcoin, stablecoins, SOL and tokenized US stocks — with a built-in merchant terminal. Your keys are generated and stored on your device. Your money is always yours. CREATE A WALLET IN MINUTES Sign up with your email, set one password, done. Your wallet is protected by an automatic encrypted backup — only your password can unlock it, on any device. SEND AND RECEIVE Send and receive Bitcoin (BTC), USDC, USDT, EURC and SOL. Share a QR code and get paid in seconds. Fees are always shown before you confirm. ADD FUNDS Top up with a card or a local payment method through a licensed payment provider — where available in your country. The provider handles identity verification and the payment; the assets are delivered straight to your own wallet. Klipbit never holds your money. SWAP AT MARKET RATES Swap between your assets at market rates through decentralized liquidity. No exchange account, no custody — you sign every transaction on your own device. BITCOIN VAULT Turn stablecoins into real Bitcoin in one step: USDC in, native BTC out — settled on the Bitcoin network itself and held under your own keys. Not a wrapped token, not an IOU. Convert back just as easily whenever you need liquidity. US STOCKS, TOKENIZED Buy tokens that track Apple, Nvidia, Tesla, the S&P 500 and more — from US$3, 24/7, straight from your wallet, no brokerage account. Each token is backed 1:1 by the real share held in regulated custody and is issued by Backed, a European company with a prospectus approved by an EU regulator. A token is not a share: no voting rights, and dividends arrive as a balance adjustment. You sign every order on your own device; trades settle on the Solana network. A 0.9% service fee is included in the quote. Not available in some countries, including the United States, the United Kingdom and Canada. YOUR STORE IN YOUR POCKET Open a store in two minutes and start accepting digital payments — permissionless: no bank account, no card machine, no contracts, no waiting for approval. - Charge with a QR code — customers pay in seconds from KlipbitNeo or wallets that support Solana Pay - Pick what you accept: USDC, USDT, EURC, SOL - Payments settle on-chain directly to keys you control — never to us - Prices in your local currency, optional tips, multiple stores SECURITY FIRST - Self-custody: keys never leave your device - Face ID app lock - Automatic encrypted backup — recover on any device with your email and password - On-chain transactions are publicly verifiable WORKS ON YOUR PHONE Light and dark themes. Supports iPhone 6s and newer (iOS 15.1 or later). KlipbitNeo is not a bank, an exchange, a broker or a money transmitter — it is non-custodial software published by KLIPBIT LTDA. Buying with local currency is a separate service provided by a licensed third-party provider, subject to its identity verification, eligibility rules and limits. Tokenized stocks are issued by a third party; KlipbitNeo itself never holds your money, fiat or securities.