banqa vs Dauphin Pay

Banqa is a self-custody crypto wallet with a linked spending card. Keep full control of your assets, top up with stablecoins, and spend your balance in USD wherever cards are accepted. WHAT YOU CAN DO • Self-custody wallet — you hold your keys; your funds stay under your control. • Fund with stablecoins — deposit USDC (0% fee) or USDT (0.25% fee) on Base or Arbitrum. • Get a virtual card — issue your card after a quick identity check and spend your balance in USD. • Manage your card — view details securely with Face ID, set a PIN, and freeze or unfreeze instantly. • Connect an external wallet — fund your card directly from MetaMask, Trust Wallet, and other WalletConnect wallets. • Withdraw anytime — send your available balance back to your self-custody wallet. • Multi-currency display — view your balance in 50+ currencies (display only; spending settles in USD). • Track activity — search your transactions and see clear details for every payment. SECURITY & PRIVACY • Self-custody by design — your recovery phrase never leaves your device unencrypted. • Biometric protection (Face ID / Touch ID) for sensitive actions. • Identity verification (KYC) is required before issuing a card, in line with applicable regulations. TRANSPARENT FEES • USDC deposits: 0%. USDT deposits: 0.25%. You always see the exact amount credited before you confirm. On-chain network (gas) fees may apply. IMPORTANT INFORMATION • Banqa is a technology platform and is not a bank. Banqa does not provide banking, investment, or deposit-insurance services. • The Banqa card is issued by the card issuer named in the in-app Cardholder Terms, pursuant to a license from the relevant card network. Card issuance and use are subject to those terms. • Crypto assets are volatile and may be unregulated in your jurisdiction. The value of your assets can go down as well as up. Nothing in this app is financial, investment, tax, or legal advice. • Availability, features, and supported networks may vary by region and are subject to identity verification and eligibility. By using Banqa you agree to the Cardholder/Card Terms and the issuer Privacy Policy available in the app and on our website. Support: support@banqa.io

Join DAUPHIN PAY as we venture into the next generation of banking. The concept of national borders is becoming obsolete, so why should your banking options be confined to just your local institutions? For your loved ones: Effortlessly send money to family and friends, no matter where they are in the world, with simplicity and cost efficiency. Receive money transfers, salaries, stipends, or pensions from any location directly into your account with a unique IBAN. Obtain a Mastercard® for your everyday transactions, whether you're shopping online, booking hotels, purchasing airline tickets, or buying souvenirs while traveling. Experience the convenience of having just one card to meet all your needs. For your business: Access multiple IBANs across various EU countries, execute international SWIFT and SEPA transfers, and utilize a Mastercard® for business expenses and payroll management. Benefit from multi-currency exchange and electronic invoicing. It’s time to globalize your business operations, making them more adaptable for your customers and suppliers. Open an account remotely more easily and quickly than at traditional banks. Forget the long waits to schedule a bank visit or the endless hours on the phone for simple queries. Embrace modern financial solutions, maintaining full control over your finances at all times through the DAUPHIN PAY mobile app. Here's what we bring to you: • Open and manage an account with a unique IBAN; • Hold and manage your money in various currencies; • Convert different currencies at competitive rates; • Send and receive international bank wire transfers; • Use your prepaid DAUPHIN PAY Card for global spending; • Execute mass payments to bank accounts. Our mobile app features: • 24/7 access to your account from your device; • Instant updates on account activity and balance; • Detailed transaction history for tracking your expenses; • A new feature for setting up recurring transactions; • Worldwide money transfers; • Easy card top-ups of your accounts; • A simplified sign-in process with password and biometric authentication. Experience the ease of transnational financial operations with the reliability of DAUPHIN PAY, backed by secure financial services provided by a regulated electronic money institution. For more information, please visit: dauphinpay.com. Terms applicable to the financial service user can be found on https://dauphinpay.com/terms-and-conditions.