Kryptonim Wallet vs Mo

Kryptonim is a self-custody stablecoin wallet for everyday spending and sending across borders, without bank fees or conversion markups. YOUR MONEY, YOUR KEYS Fully non-custodial. No third party holds your assets. Your private keys stay with you always. DEPOSIT Add EUR and receive EURC. Add USD and receive USDC. Funds arrive directly in your wallet within minutes. Card, bank transfer or Apple Pay, no hidden fees, no surprises. SEND Send USDC or EURC to anyone, anywhere, as easily as a text message. Works with any external wallet address or Kryptonim contact. Bank account transfers coming soon. RECEIVE Share your QR code or send a payment request to a contact. They pay, you get notified instantly. SPEND Virtual or physical Visa card linked to your stablecoin balance. Use it online, in-store or anywhere Visa is accepted. SECURITY Face ID and Touch ID authentication. Advanced encryption and secure seed phrase backup.

Earn yield on USDC, a digital dollar. Grow your balance, use Mo without gas fees, and keep control of your assets. Eligible non-US users can trade supported tokenized US stocks 24/7. Trade gold (PAXG) and other supported crypto. When it is time to travel, book hotels and flights with USDC, or buy a travel eSIM. GROW YOUR USDC Put your USDC to work in Mo Earn vaults and earn yield in USDC. Choose from strategies with different risk levels and withdraw your yield in USDC. Returns vary and are not guaranteed. Yield involves risk, including loss of funds. USE MO WITHOUT GAS FEES Send, trade, use Earn, and manage borrowing without paying gas fees. Mo sponsors gas for in-app transactions, so you do not need to keep a separate gas-token balance. Other service fees, third-party routing and provider costs, and borrowing interest may apply. TOKENIZED STOCKS FOR ELIGIBLE NON-US USERS Buy and sell supported tokenized US stocks 24/7, with assets held in your own wallet. Available only to eligible non-US users, subject to jurisdiction and provider restrictions. TRAVEL WITH USDC Search and book hotels and flights directly in Mo, pay with USDC, and collect Mo Points on eligible bookings. Manage your booking in the app, including cancellations, guest changes on stays, bags, seats and flight changes on flights, and rebooking where available. Buy travel eSIM data plans for a country or region, pay with USDC, and install in the app with one tap, a QR code, or a manual code. Delivered eSIM plans are one-time bundles and are not cancellable; if delivery fails, the payment is refunded. Use Mo Points toward future Travel purchases, eligible bank withdrawal fees, or Mo Plus. Points are separate from USDC yield and cannot be withdrawn or redeemed for cash or USDC. ACCESS USDC WITHOUT SELLING YOUR COLLATERAL Borrow USDC against supported crypto through Morpho or supported tokenized Mag7 stocks through Aave, with no Mo loan origination fee on either protocol. Stock-backed borrowing is available only to eligible non-US users, subject to jurisdiction and provider restrictions. Keep exposure to your collateral while accessing USDC. Borrowing interest is variable, and collateral can be liquidated if your position exceeds the protocol's borrowing limits. MOVE MONEY ON YOUR TERMS Send and receive USDC, or share your Mo Box tag so anyone can pay you, even without the Mo app. Add USDC through supported bank transfers with no Mo onramp fee, including SWIFT deposits in supported foreign currencies for eligible customers. Withdraw USDC to an international bank account in a selected supported currency. Bank and intermediary fees may apply. FX estimates are indicative. Banking features require identity verification and are subject to provider and jurisdiction availability. Optional Mo Plus removes Mo's integration fee on eligible trades and cross-chain routes, reduces eligible bank withdrawal fees, and increases Travel points. Third-party costs still apply. Mo Plus uses fixed terms without automatic renewal. YOUR WALLET, YOUR CONTROL Mo is self-custodial. Your assets stay in your wallet. Mo is not a bank or an exchange, and your assets are not insured bank deposits. Download Mo and put your USDC to work.