a2x vs KaviPay

A2X is a non-custodial crypto wallet and payment card companion. Keep control of your keys and move USDT on Polygon for everyday spending through a licensed partner integration. No in-app crypto exchange or trading. Key Features 1. Non-custodial Wallet Generate and store your private keys on your device. Hold and manage your assets, view balances, and stay in control at all times. 2. USDT (Polygon) Transfers Send and receive USDT on Polygon quickly and securely. Use on-chain transfers to fund spending through our partner integration. Note: There is no swapping, buying, selling, or trading inside the app. 3. A2X Payment Card (via licensed partner) Get a virtual or physical card issued by our licensed partner and use your balance for everyday payments where the card network is accepted. Card issuance and usage are handled off-app by the partner. 4. Clear Activity History See on-chain transfers and card-related activity in one place with easy-to-read details. 5. Compliance & Security Complete standard KYC to enable eligible features. We support multi-factor authentication and encryption. AML/KYC are performed by the partner as required in supported regions. 6. Account Control You can delete your account any time: Settings → Account → Delete Account. Upon confirmation, your account is removed and you are signed out. (Certain records may be retained only as required by law.) Why A2X - Freedom: Connect digital assets to everyday life. - Simplicity: On-chain USDT transfers; partner-handled card rails. - Control: Non-custodial by design — you hold the keys. How It Works 1. Download A2X and create your account. 2. Complete quick identity verification (KYC). 3. Transfer USDT (Polygon). 4. (Optional) Get a card issued by our licensed partner. 5. Use your balance for payments where the card network is accepted. Support & Availability Our in-app help center is available 24/7. Supported countries, currencies, and features vary by region and partner compliance. Some features may be unavailable in your location. Legal / Compliance Notes - No in-app exchange or trading. A2X does not provide crypto swapping, buying, or selling. - Non-custodial: we do not custody user funds. - Card issuance, fiat on/off-ramp, and KYC/AML are performed off-app by our licensed partner per regional regulations. - Availability of features may change based on partner API eligibility and compliance requirements. - All trademarks are property of their respective owners.

Spend Anywhere. Fund with Crypto or Naira. Pay Bills Instantly. KaviPay makes managing your money simple and secure. Get instant access to virtual VISA, Mastercard, Verve and Afrigo cards, or order physical Verve and Afrigo cards delivered to your door. VIRTUAL CARDS — INSTANT & GLOBAL • Instant VISA, Mastercard, Verve, and Afrigo virtual cards • Use for online shopping, subscriptions, and digital payments worldwide • Add to Apple Pay for contactless payments • Create multiple cards for different spending needs PHYSICAL CARDS — LOCALLY ACCEPTED • Verve and Afrigo physical cards for Nigerian merchants • Use at ATMs, POS terminals, and online • Delivered securely to your registered address FLEXIBLE FUNDING • Fund with cryptocurrency (USDC, USDT, SOL, ETH, BNB, POL) • Fund with Nigerian Naira via bank transfer • Transparent exchange rates with no hidden fees PAY BILLS EFFORTLESSLY • Electricity for all major DISCOs • Mobile airtime for MTN, Glo, Airtel, 9mobile • Data bundles, DStv, GOtv, Startimes, and more SECURITY YOU CAN TRUST • Biometric authentication (fingerprint & Face ID) • Two-factor authentication for all transactions • Freeze/unfreeze cards and set spending limits • PCI DSS compliant through licensed partners SPENDING ANALYTICS • Real-time transaction tracking • Categorized spending analytics and monthly reports KaviPay operates in partnership with licensed financial institutions including Safe Haven Microfinance Bank (CBN Licensed) and PCI DSS compliant card service providers. Users must be 18+. Valid ID required for verification. Fees disclosed before confirmation. Support: support@kavipay.io