Pays Wallet vs CacaoCash

Pays Wallet is a modern money app for people who move between currencies, countries, and everyday spending. Send money to contacts, receive funds quickly, deposit by bank transfer, withdraw to your bank, exchange supported currencies, and spend with a virtual Visa card. Built for cross-border money movement - Send to saved contacts or email addresses - Receive funds with a QR code or payment address - Deposit GBP, USD, and EUR by supported bank transfer rails - Withdraw to supported bank accounts - Exchange supported currencies with clear quotes before you confirm - Track deposits, withdrawals, exchanges, transfers, card top-ups, and purchases in one activity feed Spend online and in-store - Create and manage virtual Visa cards - Top up your card from your Pays balance - Track card payments as they happen - Manage up to 5 virtual cards - Complete identity verification for card access Designed for everyday finance - Secure sign-in with email, Apple, or Google - Face ID and passkey authentication - In-app support chat when you need help - Light and dark mode Services, currencies, and card availability may vary by country and verification status.

CacaoCash lets you pay any Mercado Pago or MODO QR code in Argentina without a DNI or an Argentine bank account. Load dollars from abroad, scan the QR at the counter and pay in pesos at the crypto dollar rate. Verify with your passport in minutes. WHAT YOU CAN DO • Pay QR codes: Mercado Pago, MODO and any CVU/CBU QR, in restaurants, taxis, markets and shops across Argentina. • Send pesos to any alias, CBU or CVU: rent, deposits, a friend, a tour guide. Instant transfer, no local account needed. • Load your balance from the US, EU, UK and more: ACH, SEPA, SWIFT, debit or credit card, USDC and other crypto. • See the rate before you pay: the crypto dollar rate, about 10% better than the tourist card rate in 2026. No fixed fee, the rate you see is the rate you get. • Earn cashback on your payments. WHO IT IS FOR Tourists, digital nomads, exchange students and expats in Argentina who cannot open Mercado Pago, Ualá or a local bank account because they have no DNI. HOW IT WORKS 1. Sign up with your email and passport (verification takes about 3 minutes). 2. Add funds by bank transfer, card or crypto. Your balance stays in USD. 3. Scan any Argentine QR or paste an alias and pay in pesos. FINE PRINT Rates change with the market and are shown before every payment. CacaoCash is not a bank; local settlement runs through licensed Argentine payment partners. Questions: info@cacaocash.com