Xantos vs Nova PayRing

Hi there from Xantos! We are an investment manager for the next generation of investors. As an SEC-registered adviser, we build and manage investment portfolios for everyday folks. Our mission is to offer a low minimum, low fee, and premium investing experience so anyone can invest like a pro without having to learn finance jargon! We strive for exceptional risk-adjusted returns. We are fully transparent and pragmatic in educating our clients about how and what we invest. - Premium experience: We don’t just manage your investments, we explain it all and always serve in your best interest! - Easy to use: Quickly onboard and set up an account in under 5 mins from your couch. - Simple fees: $0 performance fees. Fees are charged monthly and deducted from your account - never worry about overdraft fees with us. - SIPC protection: Our custodian is a member of FINRA/SIPC. Securities in your account are protected up to $500,000. Learn more at www.sipc.org. - No lock-in: Life happens. Cancel and close your account anytime. Disclosures: Investment Advisory Services are offered through Xantos Labs LLC (“Xantos”), an SEC-registered investment advisor. Brokerage and custodial services are offered through Alpaca Securities LLC, a FINRA/SIPC member. Nothing in this communication or the application (the “App”) should be construed as tax advice, a solicitation or offer, or recommendation, to buy or sell any security in any jurisdiction where such an offer, solicitation, or recommendation would be unlawful or unauthorized. To open an account, you must be at least 18 years of age. Links provided to other server sites are offered as a matter of convenience and are not intended to imply that Xantos Labs or its affiliates endorses, sponsors, promotes, and/or is affiliated with the owners of or participants in those sites, or endorses any information contained on those sites unless expressly stated otherwise. All investing involves risk, including possible loss of money you invest, and past performance does not guarantee future performance. Before taking action, please see our Brochure and Full Disclosures for important details. © 2026 Xantos Labs LLC. All rights reserved.

Gone are the days of fumbling for your wallet. With the Nova PayRing app, you can easily link your credit and debit cards to your ring for fast, secure, and effortless contactless payments. Our advanced tokenization technology ensures your financial data remains private and protected. Simple Setup: Create your secure account and link your Nova PayRing in just a few simple steps. Manage Your Wallet: Easily add and manage your tokenized payment cards directly within the app. Complete Security: Misplaced your ring? No problem. Instantly lock or delete your payment credentials through the app to prevent unauthorized use. Track Your Spending: Stay on top of your budget with a detailed history of all your transactions and receive real-time notifications for every purchase.