toonie vs banqa

Toonie makes everyday life easier and more rewarding for communities. When you join the Toonie community, you can access various digital and innovative services to empower local economies, financial inclusion, and e-commerce. All you need is a smartphone, and you’re ready to go! LOCAL COMMUNITIES Toonie is the ideal way to promote essential groups within a community. The app allows associations, clubs, councils, parishes, and charities to collect payments, membership fees or donations and set up digital promotions conveniently and instantly in the app. BUSINESSES The app makes it easy for retail shops, merchants, and service providers to promote products and services with digital vouchers and receive in-person and online payments on Toonie’s multi-currency digital wallets, via Toonie’s private payment scheme or Tap to Pay. Start immediately with a simple and efficient payment and rewards solution on your phone - No terminals or maintenance costs involved. INDIVIDUALS Toonie lets you instantly send and receive payments, and exchange currencies, all in the app. Discover local gems in your area and find the best discounts to help you save money and support the local community. FAST, EASY, INSTANT MOBILE EXPERIENCES - Send or receive money instantly - Pay or request in-app payments - Promote and redeem digital vouchers - Buy and sell items in-app or online - Earn or offer cashback JOIN THE TOONIE COMMUNITY Download the app today and discover a world of possibilities. #doitwithtoonie NEED OUR HELP? Our team is here for you at support@toonieglobal.com

Banqa is a self-custody crypto wallet with a linked spending card. Keep full control of your assets, top up with stablecoins, and spend your balance in USD wherever cards are accepted. WHAT YOU CAN DO • Self-custody wallet — you hold your keys; your funds stay under your control. • Fund with stablecoins — deposit USDC (0% fee) or USDT (0.25% fee) on Base or Arbitrum. • Get a virtual card — issue your card after a quick identity check and spend your balance in USD. • Manage your card — view details securely with Face ID, set a PIN, and freeze or unfreeze instantly. • Connect an external wallet — fund your card directly from MetaMask, Trust Wallet, and other WalletConnect wallets. • Withdraw anytime — send your available balance back to your self-custody wallet. • Multi-currency display — view your balance in 50+ currencies (display only; spending settles in USD). • Track activity — search your transactions and see clear details for every payment. SECURITY & PRIVACY • Self-custody by design — your recovery phrase never leaves your device unencrypted. • Biometric protection (Face ID / Touch ID) for sensitive actions. • Identity verification (KYC) is required before issuing a card, in line with applicable regulations. TRANSPARENT FEES • USDC deposits: 0%. USDT deposits: 0.25%. You always see the exact amount credited before you confirm. On-chain network (gas) fees may apply. IMPORTANT INFORMATION • Banqa is a technology platform and is not a bank. Banqa does not provide banking, investment, or deposit-insurance services. • The Banqa card is issued by the card issuer named in the in-app Cardholder Terms, pursuant to a license from the relevant card network. Card issuance and use are subject to those terms. • Crypto assets are volatile and may be unregulated in your jurisdiction. The value of your assets can go down as well as up. Nothing in this app is financial, investment, tax, or legal advice. • Availability, features, and supported networks may vary by region and are subject to identity verification and eligibility. By using Banqa you agree to the Cardholder/Card Terms and the issuer Privacy Policy available in the app and on our website. Support: support@banqa.io