3S Money vs Spondula

Pay and get paid faster in 190+ countries with an International Business account. 3S Money is an all-in-one online business account and payment platform designed to help businesses expand their payment capabilities globally. With our local IBANs and local payment solutions, you confidently send & receive high-value payments, hold and exchange up to 65 currencies* and work with a dedicated Relationship Manager who intimately knows your business. _____________________________________________________ Fast, flexible global payment solutions - Enjoy rapid processing times and full payment support from a dedicated Relationship Manager. - Send and receive large international payments in 190+ countries via SWIFT and SEPA powered by local IBANs. Protect against FX risk - Accept customer payments and pay salaries, suppliers, and overheads in local currencies with fair and competitive FX fees. - Make one-time payments in local currencies with fair FX rates and instant settlement. - Open local currency accounts to accept payments with no hidden FX fees. Take control of your cash flow - Real-time payment notifications and multi-currency balance updates. - Instantly approve outgoing payments from any account user. - Deposit incoming payments into your preferred account with one click. Your money is always safe - We’re regulated and licenced in the UK (FCA), EU (CSSF) and Dubai (DFSA DIFC) - Our corresponding banking partners safeguard your funds and retain 100% liquidity. - We use 2-factor authentication and industry-standard encryption and work with top-tier banking partners to make sure you pay and get paid on time, every time. Premium client support - Work with a dedicated Relationship Manager to help navigate new payment routes and maximise your margins on every transfer. - We speak 35 languages and provide human client support across seven international offices. *Head to https://3s.money/ for more information on your accounts, services and currency coverage.

Paying someone should be as easy as texting them. With Spondula it is. Claim your S Handle, the name people pay you by, and send, receive, request and chat in seconds, across 80+ currencies, without an account number in sight. Spondula is one wallet for the payments you actually make: paying a friend back at dinner, splitting the holiday house, sending support home, tipping a creator you love. No sort codes, no IBANs, no waiting for banks to open. YOUR NAME IS YOUR ADDRESS Every Spondula user has an S Handle. It's how friends find you and how payments reach you. • Say who, say how much, done. Payments land in seconds, day or night, weekends included. • Show your QR and get paid on the spot. • Send a payment link to someone who isn't on Spondula yet. They claim it when they join. • No account numbers shared, ever. PAYMENTS THAT TALK Every payment can start a conversation. • Chat with your contacts right inside the app. • Request your share and get paid in the thread. • Split things with friends and keep score without the awkwardness. • Receipts stay where the conversation happened, so nobody forgets who paid. 80+ CURRENCIES IN ONE WALLET Hold balances in the currencies you actually use, from GBP, USD and EUR to AED, SGD, MXN and dozens more, as stable assets on the Spondula Network. • Keep separate balances per currency and see them all in one place. • Convert between currencies at the live rate, whenever you like, in two taps. • Travelling, freelancing, supporting family abroad: pay inhem, hold the one that suits you. TOP UP AND CASH OUT Your balance, your call. • Buy by card or bank transfer in supported currencies. • Save your card so the next top up takes seconds. • Switch on Auto Top Up and your balance refills itself bef • Cash out to your bank account when you want it back. FOR CREATORS Turn your handle into a tip page. • Pick your theme, write your bio, set suggested amounts. • Add your socials so supporters can find you everywhere. • Share one link and let people back you in seconds. INVITE YOUR PEOPLE Spondula is better with friends. Invite them with your linkearn rewards as your circle grows. YOUR KEYS, YOUR WALLET Spondula is non-custodial wallet software. Your keys are created and encrypted on your device, and every transaction is signed locally, by you. Nobody else can spend what's yours. Not us, not anyone. SERIOUSLY SECURED • Face ID and your PIN protect the app on every device. • Optional two-step verification adds another lock. • Identity verification keeps the network trusted. • Report, block and moderation controls keep conversations • See every device signed into your account, and sign them out from your phone. ALWAYS IN THE LOOP Know the second you're paid. Payment notifications open strr activity feed keeps a clean record of everything, andrepeating a payment takes one tap. WHY PEOPLE CHOOSE SPONDULA • Payments land in seconds, not days. • One wallet for 80+ currencies. • Chat, requests and receipts in one place. • Your keys stay on your device. • No account numbers, no paperwork, no fuss. Spondula. Anyone. Anywhere. Anytime.