Cypher Wallet vs Splito.io

Cypher makes crypto spending seamless, secure, and global. Spend your crypto like cash with Cypher’s zero-fee crypto card, powered by a non-custodial wallet, multi-chain support, and instant Apple Pay & Google Pay compatibility. Spend Crypto Anywhere Use your Cypher virtual or physical card at 100M+ merchants worldwide that accept Visa. Shop online, tap in-store, or withdraw cash from ATMs globally. You’re Always in Control Cypher is non-custodial by design. Your crypto stays yours, full ownership, total privacy, and control at all times Multi-Chain, Made Simple Cypher supports 15+ major blockchains and 500+ tokens, including Ethereum, Solana, Base, and Cosmos ecosystems, so you can spend seamlessly without worrying about where your funds live. Instant Card Access Get your virtual card instantly on signup and add it to Apple Pay or Google Pay in seconds. Physical cards are available for everyday use and travel. Global ATM Access Need cash? Withdraw crypto as local currency from ATMs around the world, anytime, anywhere. Built for Security Advanced fraud detection, card controls, and real-time monitoring help keep your spending protected. Go Premium Upgrade to Cypher Premium and unlock: A sleek metal card Zero forex markup Zero top-up fees Higher monthly spending limits Earn Rewards Earn CYPR tokens on every spend and referral, with boosted rewards at top brands designed to reward real usage. Cypher is a Y Combinator-backed company redefining how crypto works in everyday life. Download Cypher and start spending crypto instantly. Join the Cypher Community Cypher is built by and for people who use crypto every day. From spending on-chain assets in the real world to shaping what we build next, our community is at the center of everything we do. Join users across the globe who are making crypto practical, usable, and borderless. Download Cypher and start spending crypto anywhere cards are accepted. Stay connected with the Cypher community: - Website: https://cypherhq.io/ - X: https://x.com/Cypher_HQ_ - LinkedIn: http://linkedin.com/company/cypher-official - Telegram: https://t.me/cypher_hq - Discord: https://discord.gg/ZqeSGmJgWF - Support & enquiries: support@cypherhq.io

Splito is the expense splitter for groups whose money lives in more than one currency, and more than one country. Log what everyone spends, see who owes what in real time, and settle the whole trip from your wallet. No "Do you have Venmo?" No stale exchange rates. No chasing six friends across four payment apps for three weeks after the trip ends. WHY SPLITO • Multi-currency from the first expense, log a dinner in EUR, a hotel in USD, a taxi in SGD. Splito keeps each expense in its native currency instead of forcing everything into one base currency. • Lock the exchange rate when you log it, Splito snapshots the FX rate the moment you add an expense, so no one argues about rate drift weeks later during settlement. • Live balances, always know who owes what, updated the second an expense is added. • Built for groups of 3–10, perfect for trips, housemates, and recurring shared costs. HOW IT WORKS 1. Create a group and add your friends. 2. Log expenses in whatever currency you paid in. 3. Watch balances update in real time. 4. Settle up from your wallet when the trip ends. WHO IT'S FOR Friend groups who travel internationally, housemates splitting rent and bills, and anyone tired of the two-week "balance cleanup" thread that follows every trip. If your group spans countries and your payment apps don't overlap, Splito closes the gap. ABOUT SETTLEMENT Splito settles on-chain in USDC, XLM, SOL, and ETH — there's no bank transfer or fiat step. At least one person in your group should be comfortable with a crypto wallet; they can bring everyone else along with a shared settlement link. Start free. Split smarter. Settle without the drama.