emoni. vs WALLETTO

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.

WALLETTO: Smart Financial Services for Modern Businesses The Walletto mobile app is now available for onboarding new business clients. Businesses across industries trust WALLETTO to manage their money more efficiently. Join them and discover modern card and payment services designed for growth, simplicity, and security. Download the WALLETTO app to open a business account, issue payment cards, send transfers payments, and stay in full control of your company finances — anytime, anywhere. CARD SERVICES WALLETTO makes managing Visa and Mastercard products simple and convenient. • Virtual Cards – Instantly issue cards for online shopping, subscriptions, and secure one-time payments. • Plastic Cards – Use cards worldwide for business expenses, travel, and ATM withdrawals • Digital Wallet Integration – Link cards to your smartphone or smartwatch for fast, contactless payments. • Real-Time Card Control – Set spending limits, freeze or unfreeze cards, track transactions, and update security settings instantly. PAYMENT SERVICES WALLETTO offers efficient and transparent payment solutions tailored to business needs. • SEPA Transfers – Fast and reliable euro payments across the EU and EEA. • SWIFT Transfers – Send and receive international payments in multiple currencies. • Mass Payments – Manage bulk payouts for payroll, affiliates, and suppliers with ease. • Cross-Border Payments –Manage multiple currencies in one place. • Transparent Pricing – Clear, straightforward fees with no hidden charges. BUILT FOR BUSINESS WALLETTO makes it easier for your business to grow, run smoothly, and stay in control of finances. • Issue cards to employees, contractors, and partners • Automate recurring payouts and reduce manual work • Improve cash flow management and day-to-day financial operations • Monitor company spending in real time for better oversight REGULATED AND SECURE Security and compliance are at the core of WALLETTO. • Licensed by the Bank of Lithuania • Strong Customer Authentication (SCA) and Two-Factor Authentication (2FA) • Biometric login, real-time alerts, and bank-grade encryption • Fast, compliant onboarding with a simple KYC process ALL-in-ONE APP Manage your business finances on the go with WALLETTO’s mobile app. • Real-time account balances and transaction overview • Instant card issuance and full control features • Easy sending and receiving of payments • Push notifications for all financial activity Why Choose WALLETTO? • Fully licensed and regulated within the EU • Scalable infrastructure built for modern businesses • Speed, flexibility, and full control over financial operations • Dedicated account managers and personalized service Ready to take control of your business finances? Start with WALLETTO today to simplify payments, empower your team, and scale with confidence. Please note that an account with WALLETTO can only be opened from the age of 18. Download the app or contact us to get started.