HOLD vs Shift Tap

HOLD: money, finally social. Get paid from anywhere, pay friends like you text, and let Hi, your money assistant, plan your next trip. One app, and only you hold your money. GET PAID FROM ANYWHERE • Your own USD, EUR and GBP account numbers, and more currencies • Get paid by clients, employers and platforms worldwide • Share your @username, not long addresses or SWIFT codes YOUR GROUP CHAT, NOW WITH MONEY • Chat 1:1 or in groups and pay right in the conversation • Split trips, dinners and rent. HOLD tracks who owes what • Settle up in one tap JUST ASK HI • Your AI money assistant, right in your chats • Ask for a hotel near an event and book it without leaving the chat • Hi keeps to your budget TRAVEL MORE, PAY LESS • eSIMs for your next trip, from $13 • Hotels worldwide, paid from your balance • Earn HiPoints as you go SAVE AND INVEST • Keep your earnings in dollars, safe from local inflation • Buy Bitcoin, Ethereum, Solana and more • Convert between currencies in one tap SECURITY • Self-custodial: your recovery phrase never leaves your device • Passkey and Face ID login, no passwords to leak • BIP-39 compatible: if you ever leave, you take everything with you WHO IT'S FOR Freelancers, remote workers, creators, travellers and friends who share expenses. Anyone whose paycheck lives in one currency and whose life lives in another. WHAT WE WILL NEVER DO • Block you based on your country • Sell your data • Hide fees in the exchange rate HOLD is a tool. Your money is yours. Create your account in 30 seconds with your email and a passkey. hello@hihodl.xyz · hihodl.xyz

Shift is a payment system inspired by the simplicity of physical cash — built for the digital world. Cash settles instantly because trust is built into the bill itself. No bank verifies it, no network carries it. Shift brings that same feeling to digital money using an NFC smart card that holds your funds and signs every payment with a tap. We call this world Ledgerless. PAY LIKE CASH • Send USDC directly to anyone, peer-to-peer • Receive payments with a simple QR request • Tap your Shift Card to approve — your keys never leave the card • Send and receive offline over Bluetooth, no internet required YOUR CARD, YOUR KEYS • Pair your NFC Shift Card once and you're ready • Cryptographic keys live on the card's secure hardware • Every transaction is signed by a physical tap — nothing moves without you MOVE MONEY ON AND OFF • Deposit USDC from your existing wallet to load your card • Withdraw back to your wallet anytime • Works across Ethereum and Solana • Connect MetaMask, Phantom, Rainbow, Trust, Backpack, Solflare, and more EARN YIELD AUTOMATICALLY • Put your USDC to work and earn yield on Solana • Track your earnings, APY, and daily growth in one place SPEND ANYWHERE • Connect your existing crypto spending cards and move USDC where you need it Shift is built for people who want money that moves at the speed of a tap — simple, instant, and fully in your control.