IPU vs emoni.

We are proud to be the experts in bridging financial flows between Europe and Asia. Our deep regional expertise, trusted banking partners, and tailored solutions make it easy for businesses and entrepreneurs to connect markets, navigate regulations, and grow without borders. With IPU, you're supported by a team that understands the nuances of cross- continental commerce. WITH IPU, YOU CAN: • Send and receive money worldwide • Benefit from your own unique IBAN for faster, direct payments • Manage funds in multiple currencies with real-time FX rates • Access scalable & modern tools for payouts and vendor settlements • Bridge Europe and Asia with expert support and localized financial solutions • Get full control over your global finances anytime, anywhere IPU is more than just a payment platform. It's a global financial hub in your pocket. Download now and experience a smarter way to pay, link, and grow!

emoni provides tailored financial solutions for businesses operating in compliance-intensive environments. Our unique platform brings fiat and crypto together in one place, giving you complete visibility and control over your financial operations. Built on trust, we deliver secure, efficient financial infrastructure designed to support your business as it grows. Whether you're managing cross-border payments or digital assets, emoni simplifies the way you move and manage money. Transfer and manage your money with ease. Everything you need in one platform Fiat and crypto in one place • Manage fiat and crypto funds through one connected platform, with clear visibility across your accounts, payments and financial operations. • Multiple payment rails • Access SEPA, SEPA Instant, SWIFT and crypto payment rails to move funds across regions, currencies and payment methods. Virtual IBANs • Use dedicated virtual IBANs to streamline collections and simplify the management of incoming payments. • 60+ currencies • Hold and convert across 60+ fiat and crypto currencies, helping your business manage international financial operations efficiently. Instant global payments • Send and receive funds internationally through integrated fiat and crypto infrastructure built for speed, reliability and global reach. Safeguarding and compliance • Operate through secure financial infrastructure with safeguarding measures designed to protect client funds and support regulatory compliance. Why emoni? emoni is designed for businesses that need a more flexible approach to financial services, including compliance-intensive businesses, cross-border companies and businesses managing multiple currencies and payment rails. Our human-led approach combines technology with dedicated support from professionals who take the time to understand your business. • Tailored solutions for compliance-intensive businesses • Fiat and crypto in one platform • 60+ currencies • Multiple global payment rails • Human-led onboarding and support • Secure, regulated financial infrastructure Download emoni and simplify the way your business sends, receives, holds and converts money globally. *Disclaimer: Or this one (on the website): emoni group of companies is comprised of the following companies: iLedgends B.V., KvK-nummer 90931823, iLedgends B.V. Paleisstraat 1, 1012RB Amsterdam.iLedgends B.V. is licensed and registered as an electronic money institution with the Dutch Central Bank (relationship number: R201891). Ledgends Inc., operating under the name iLedgends (Company Incorporation Number: 1001258825), is registered as a Money Services Business (MSB) with FINTRAC (MSB Registration Number: C10001663). Registered office: 30 Wertheim Court, Unit 12, Suite 201, Richmond Hill, Ontario, L4B1B9, Canada. Ledgends Inc. operates as an independent Virtual Asset Service Provider in accordance with applicable AML/CFT regulations. emoni is a tradename of iledgends. Regulatory Information: emoni operates through regulated entities within the emoni Group. iLedgends B.V. is a Dutch Electronic Money Institution (EMI) authorised and supervised in the Netherlands. Ledgends Inc. is a Canadian Money Services Business (MSB) registered with FINTRAC and operates a cryptocurrency exchange platform in accordance with applicable Canadian regulations. Products and services may be provided by different group entities depending on the jurisdiction, customer type, and service requested. emoni. Built on trust.