ACU PAY M vs Q Wallet by KBank

1.Create Your Own Coupon to Reach Customers! Launch a hassle-free promotion campaign today 2.ACU PAY MERCHANT, Your Reliable Partner! All your transactions in one place! 3.Low Handling Fee! Flexible! Real-Time! ACU PAY MERCHANT meets your every need Digital payment has become an irreversible trend due to its high security, convenience and acceptance from youth to the elderly. Digital payment is likely to become an integral part of travelers’ shopping experiences that have been enjoying for these years. While ACU PAY MERCHANT offers extensive promotions to attract local and overseas people to spend with ACU PAY, it brings more business opportunities to participating merchants to collect payment instantly. Low handling fees as low as 1-2%, flexible and fast T+1-4 settlement arrangement, and quick steps to set up ACU PAY MERCHANT business account gives participating merchants a total solution in operating their daily business from getting real-time sales transaction to clearing the daily sales as easy as ABC. Important Notes This App is designed for use in Thailand. The products and services represented within this App are intended for Thailand users. This App is provided by ACU PAY (Thailand) Company Limited (ACU PAY THAI) for the use of users of ACU PAY M. Please do not download this App if you are not a user of ACU PAY M. The ACU PAY (Thailand) Company Limited is regulated and authorized to carry out e-payment activities in Thailand only. If you are outside of Thailand, we may not be authorized to offer or provide you with the products and services available through this App in the country / region / territory you are situated or resident in. This App is not intended for distribution, download or use by any person in any jurisdiction or country / region / territory where the distribution, download or use of this material is restricted and would not be permitted by law or regulation. If you are under 18, please consult your parents or guardians before you give us any information about yourself.

Q Wallet by KBank — your next-generation digital wallet powered by blockchain technology, designed for seamless and borderless payments. • For Thai users Use Q-money for instant QR payments and transfers within Thailand. You can now also pay with Grab QR in Singapore using Q-money, enjoying real-time FX rates, zero exchange rate risk, and secure blockchain-powered transactions. • For foreign tourists in Thailand Easily convert USD stablecoins (USDC) to THBS (Programmable Payment) and make QR payments in Thailand — no local bank account required. (Available until March 23, 2026.) All services are developed and tested under regulatory frameworks: – Q-money is under the Bank of Thailand’s Regulatory Sandbox – THBS is part of the Bank of Thailand’s Enhanced Regulatory Sandbox and the The Securities and Exchange Commission's Digital Asset Regulatory Sandbox