KrillPay vs Mándalo

KrillPay – Borderless Digital Wallet for Migrants. Migrants in the U.S. face documentation barriers that prevent them from opening a bank account. In Africa, millions remain unbanked because the nearest bank branch is miles away. Without a bank account, migrants and the unbanked are left financially invisible, unable to fully participate in the global economy. KrillPay closes this gap. By partnering with banks and leveraging Open Banking APIs, KrillPay extends financial access to those traditional banks cannot reach. With low-barrier onboarding, all you need is a valid ID—not a Social Security Number—to unlock a full-featured digital account. What you can do with KrillPay: • Open a Digital Account Instantly – Create an FDIC-insured virtual account using just your driver’s license, passport, or biometric ID. • Get Paid Seamlessly – Receive direct deposits from your employer or transfer funds into your KrillPay wallet. • Send Money Across Borders – Transfer funds instantly between the U.S. and Nigeria, or within your local community. • Pay & Get Paid Anywhere – Use your Krilltag to send and receive money instantly from friends and family. • Scan to Pay – Make fast and secure payments at supported merchants. • Spend Freely – Use your KrillPay-branded debit card to shop online, pay bills, and withdraw cash at ATMs. Why KrillPay? • Inclusive: Designed for migrants and underserved users who are often denied access to traditional banking. • Simple: Onboard with just one form of ID—no SSN required. • Borderless: Move money across countries or within your community instantly. • Secure: Powered by Open Banking APIs, blockchain, and bank-grade compliance. KrillPay is more than just money transfers, it’s a finance app built for the future of financial inclusion.

Mándalo is the dollar account for life across borders. Get a card, hold USD, all from one app. Built for freelancers, founders, and anyone who earns in dollars but lives where their local currency keeps slipping. THE MÁNDALO CARD A Visa card you can add to Apple Pay. Spend USD anywhere in the world without conversion surprises. Virtual card the moment you're approved, physical card on request. YOUR DOLLAR ACCOUNT Receive USD from international employers and clients. Hold it without watching it shrink against your local currency. Move funds in and out whenever you want. No lockups, no minimums, no hoops. ABOUT MÁNDALO Mándalo is not a bank and does not take deposits. USD balances are held as regulated stablecoins (1:1 backed by US dollars) in a self-custodial wallet you control. Card services provided through Gnosis Pay (Visa). Available in Spanish and English. Designed for Mexico, Colombia, and the wider Latin American region. Support: support@mandalo.app