banqa vs Duality Wallet

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

Cash on your phone. As simple as Apple Pay, as fast as a text message, and as open as email. Duality is a self-custodial wallet that finally makes bitcoin feel like money you can actually use. Spend it, send it, get paid in it, in seconds, with no bank or middleman taking a cut. MONEY THAT MOVES LIKE A MESSAGE Payments settle over the Lightning network in seconds, not the three-day "pending" you're used to. Send, and it's done. TWO POCKETS, ONE WALLET Keep a Digital Cash balance to spend day to day, and a Bitcoin balance to hold. Swipe between them, and convert one to the other in a tap. GET PAID LIKE EMAIL Claim your own Lightning address: you@dualitywallet.money. Anyone, on any Lightning wallet, can pay you. No app lock-in, no account numbers. PAY IN A TAP Tap to pay over NFC, or scan any QR code with Quick Pay. Save the people and places you pay often as Favourites and settle up in two taps. SIGN IN WITH A PASSKEY, BACKED BY YOUR RECOVERY PHRASE Create and unlock your wallet with your fingerprint or face, with no password to remember. Your recovery phrase is the backup that always works: save it when you set up, and it restores your wallet on any device, whatever happens to your phone. YOUR KEYS, YOUR MONEY Your keys are generated on your device and never leave it. There's no account, no email signup, and no company that can freeze, spend, or block your balance. No analytics or tracking, in the app or on our site. SECURED BY BITCOIN Duality is built on Spark, a bitcoin layer 2, using the Breez SDK. Your money is secured by the most open, decentralised monetary network there is. Value you hold directly, not an IOU. Money without middlemen. Download Duality and try it today. Self-custodial means you're in control and responsible for your own access. Bitcoin's value can go up and down. Duality is not a bank and does not offer insured deposits.