Mándalo vs Sats Terminal

Mándalo is the dollar account for life across borders. Get a card, hold USD, all from one app. Built for freelancers, founders, and anyone who earns in dollars but lives where their local currency keeps slipping. THE MÁNDALO CARD A Visa card you can add to Apple Pay. Spend USD anywhere in the world without conversion surprises. Virtual card the moment you're approved, physical card on request. YOUR DOLLAR ACCOUNT Receive USD from international employers and clients. Hold it without watching it shrink against your local currency. Move funds in and out whenever you want. No lockups, no minimums, no hoops. ABOUT MÁNDALO Mándalo is not a bank and does not take deposits. USD balances are held as regulated stablecoins (1:1 backed by US dollars) in a self-custodial wallet you control. Card services provided through Gnosis Pay (Visa). Available in Spanish and English. Designed for Mexico, Colombia, and the wider Latin American region. Support: support@mandalo.app

Hold forever. Spend today. Borrow cash against your Bitcoin without selling it. Earn on USDC at auto-routed market rates. Spend at 130M+ merchants worldwide. All fully self custodial. Your keys, your coins, always. Backed by Coinbase Ventures, Draper Associates, and YZi Labs. FULL ACCESS FROM DAY 1 WITHOUT VIP OR TIER LIMITS Every feature is available to every user with no limits.* START WITH AN EMAIL Creating an account with fully self-custodial wallets is as easy as typing in your email address. All processes are handled for you behind the scenes, so you go directly from intent to outcome while maintaining full control of your assets. BORROW AGAINST BITCOIN • Get USDC without selling your BTC • Every loan auto routes to the best current market rate across supported lenders • No credit score required • Monitor loan health with real time liquidation risk analysis and notifications • Full loan terms, rates, and repayment details are shown in the app before you confirm EARN ON USDC • Put stablecoins to work at the best market rate across supported vaults • No lockups, no minimums, no limits • Withdraw anytime and track live positions and portfolio performance BUY BITCOIN • Pay with credit card, Apple Pay, or bank transfer through supported checkout partners • Clear pricing shown before you confirm, no surprises SPEND ANYWHERE • 130M+ merchants worldwide • US and international prepaid card options, funded from your balance • Free international debit card, quick identity verification required FULLY SELF CUSTODIAL • No counterparty ever holds your money • You stay in control of your assets throughout, with app lock and account controls built in Whether you are stacking sats for the long term, parking stablecoins for yield, or spending crypto on daily life, Sats Terminal puts your crypto finances in one simple app. *Feature availability varies by region. Sats Terminal does not provide investment, tax, or legal advice. Borrowing, yield, card, gift card, and checkout features may be provided by third party partners and may be subject to eligibility checks, provider terms, fees, network conditions, liquidation risk, and regional availability. Rates and returns are variable and not guaranteed.