HOLD vs BatuaY

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

Your money, in one app. Hold USDC, USDT, OUSD and Bitcoin in a wallet only you control. Send money to anyone by username for free, get paid with your own QR code and link, earn on your USDC, and buy or sell Bitcoin by card. SEND AND GET PAID • Send to anyone by their @username or a wallet address, in seconds • Sends are free, and we cover the network fees on stablecoins • Get paid with your own QR code and payment link, even by people who don't use BatuaY • Add your QR code to Apple Wallet and show it anywhere • Deposit from any exchange or wallet app BITCOIN • Hold, send and receive Bitcoin in the same wallet • Pay and get paid instantly with Lightning • Get your own Bitcoin address for deposits from any exchange • Buy and sell Bitcoin by card through our licensed payment partner EARN • Earn on your USDC, upto 6% a year today • Add or withdraw any time, with no lock up • Watch your earnings grow every day SWITCH COINS • Convert between USDC, USDT and OUSD in a tap, where available TOP UP • Add funds with Apple Pay, Visa or Mastercard SECURE BY DESIGN • Your wallet is self custody: only you can move your money • Every payment is approved with Face ID and your passkey • BatuaY never holds your keys FOR BUSINESSES • Pay suppliers' bank accounts in 100+ countries by SEPA, Faster Payments, ACH and SWIFT • Send invoices with a pay link and keep track of bills • Scan a bill and let AI read it for you • Team accounts with roles and approvals Earn rates are variable and change over time. Bitcoin's price can rise and fall. Bitcoin network fees are paid by you and shown before you approve. Features and coins depend on where you live. BatuaY is operated by GridChain Technology Inc.