SurfCash vs Mo

SurfCash — Spend, Send, Earn & Travel with Crypto The easiest way to put your crypto to work — pay anywhere, earn yield, borrow cash, and stay connected abroad with crypto-powered eSIMs. STAY CONNECTED ANYWHERE Buy eSIMs for 190+ countries with crypto. Install in seconds, activate on arrival, skip roaming fees. EARN ON YOUR STABLECOINS Grow idle crypto with transparent on-chain yield. Choose from earning options including USD* Protected and Breeze — no lockups, no banks. BORROW AGAINST YOUR CRYPTO Need cash without selling? Use your crypto as collateral and unlock instant liquidity inside the app. SPEND & CONVERT Convert USDC to local currency in seconds. Pay via VietQR, PromptPay, PIX, and more across Asia and Latin America. SEND & SWAP Send crypto to friends by username or QR code. Swap between USDC, SOL, SURF, and more in a few taps. STAKE & EARN REWARDS Stake SURF to earn weekly rewards, delivered as scratch cards you reveal to claim. NON-CUSTODIAL & SECURE Your keys, your crypto. Funds are secured on your device — we never have access. PASSPORT Find crypto-friendly restaurants, cafes, and shops near you on the interactive map. EVERYTHING IN ONE APP: • eSIMs in 190+ countries • Earn yield with USD* Protected & Breeze • Borrow against your crypto • USDC to local currency conversion • Non-custodial wallet • Send by username, pay by QR • Token swaps (USDC, SOL, SURF + more) • SURF staking with scratch card rewards • Referral rewards • Apple Sign In support SurfCash is not a bank. We're a bridge between crypto and everyday life — spend, earn, borrow, or travel, all from one app.

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. When it is time to travel, book hotels directly with USDC. 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. BOOK YOUR NEXT STAY WITH USDC Search and book hotels directly in Mo, pay with USDC, and collect Mo Points on eligible bookings. Manage your booking in the app, including cancellations, guest changes, and rebooking where available. Use Mo Points toward future hotel bookings, 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. Bank and intermediary fees may apply. 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.