PayProtocol vs Umotu

Decentralized crypto payment and wallet infrastructure for B2C enterprises. Pay Protocol enables retailers and fintechs to acquire, manage, self-custody, and disburse crypto seamlessly, with full in-house contral. - Supports multiple networks like Ethereum/Tron/BNB - Create or import wallets - Send/Receive ERC20/TRC20/BEP20 assets - Built-in DApp browser with full compatibility for PayProtocol merchant management systems - Serverless architecture: All data sourced from public blockchain information, wallet private keys stored locally on-device

Open participation. Daily rewards. Umotu is a phone-first, non-custodial wallet and participation app. Your phone performs lightweight checks that help secure a public network. In return, eligible participants can earn daily rewards. Rewards are variable and not guaranteed. For orientation only: at launch, Umotu is designed around a reference target of about $10/day per active participant, but actual rewards can be much lower (including pennies per day) or higher depending on participation and market conditions. WHAT YOU CAN DO • Create or import a self-custody wallet (you control the keys) • Complete a quick human verification to reduce bots and duplicates • Let your phone run lightweight Data Availability checks in the background • View and claim rewards in supported stablecoins or UMT (where available) • Send and receive payments with low fees • Vote on community proposals in the governance tab HOW REWARDS WORK • Daily emissions are capped at up to 0.01% of the remaining pool (~3.65%/year max) • Per-user rewards vary with the number of eligible participants and market conditions • Sentinel (advanced) participants may also earn a share of network fees and bids (if enabled) STABLECOINS (OPTIONAL) • Stablecoins are issued by third parties and may have issuer-specific risks (e.g., depegs, freezes, redemption limits) • Stablecoin support depends on what is available on the network and in your chosen wallet DESIGNED FOR EVERYDAY USERS • Simple onboarding with support for 32 languages • Privacy by design: biometric templates are kept off-chain; you can request deletion anytime • Export recovery phrase and private key for advanced users IMPORTANT NOTES • Rewards are variable and not guaranteed • Umotu is non-custodial—only you control your wallet and recovery phrase • Network features and asset support may change over time Learn more at https://umotu.com