Brookwell vs Hyperbeat Pay

Powerful personal banking for global citizens. High-yield stablecoin savings, FDIC-protected checking, and worldwide spending, all in one app. Move Between Stablecoins and Cash for Free: Shift between stablecoins and USD quickly, fee-free. Rebalance between on- and off-chain liquidity with ease. No Brookwell fees on supported stablecoins. Network gas fees may apply. Up to $50M FDIC Coverage: Your deposits may be eligible for up to $50M in FDIC coverage through Erebor Bank, N.A.'s sweep program, subject to network bank availability and pass-through conditions. Banking for Global Citizens: Onboard from 150+ supported countries with built-in identity verification. No U.S. residency required. Watch Your Capital Compound: Earn 1% interest on your FDIC-insured checking account and up to 5.75% projected annual yield on your stablecoin savings account. Direct Every Dollar Without Lifting a Finger: Route rent, utilities, and memberships via dedicated account numbers tailored for discretion. • Dedicated accounts per goal or spend category • Issue dedicated account numbers to share only what each payee needs • Full outflow controls with virtual cards mapped to custom budgets Disclosures: Brookwell is a financial technology company, not an FDIC-insured bank. Banking services are provided by Erebor Bank, N.A., Member FDIC. FDIC deposit insurance protects funds only against the failure of an FDIC-insured bank; it does not protect against the failure of Brookwell. Deposits placed through Brookwell may be eligible for FDIC insurance up to applicable limits, subject to conditions for pass-through insurance. Stablecoins are not bank deposits, are not FDIC-insured, and may lose value.

Hyperbeat: Crypto Wallet & Card Hyperbeat is a self-custodial crypto wallet and spending app. Manage your digital assets and spend anywhere in the world with a crypto-backed Visa card, secured by a passkey with no seed phrases required. Crypto-Backed Visa Card: Fund your card with the crypto assets already in your portfolio and spend at any merchant worldwide. Switch between credit and debit spending modes, set your own spending cap, and freeze or unfreeze your card instantly from the app. Earn cashback on every purchase, with tiered boosters for active users. Passkey Security: No Seed Phrases Your assets stay in your control at all times. Sign in with a passkey, the same technology that secures your Apple ID, instead of a 12-word seed phrase. No custodian holds your funds. Multi-Chain Deposits: Deposit over 15 crypto assets from any major blockchain. Connect an external wallet via WalletConnect, bridge from Arbitrum, Base, or Ethereum, or send directly from a hardware wallet. Supported assets include USDC, USDT, ETH, BTC, SOL, HYPE, and more. Savings Balance: Convert your stablecoins into a savings balance that works for you automatically. Withdraw any time with no lock-up. Spending Analytics: Track your card spend by category: groceries, dining, transport, entertainment, and more. View top merchants, cashback earned, and spending trends over 7, 30, or 90 days. Portfolio Dashboard: View your complete portfolio in one place. Track your balance history over time with interactive charts and see exactly how your assets are allocated. Quick Identity Verification: Verify your identity in under 5 minutes to unlock your card and full account features.