SurfCash vs CacaoCash

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.

CacaoCash lets you pay any Mercado Pago or MODO QR code in Argentina without a DNI or an Argentine bank account. Load dollars from abroad, scan the QR at the counter and pay in pesos at the crypto dollar rate. Verify with your passport in minutes. WHAT YOU CAN DO • Pay QR codes: Mercado Pago, MODO and any CVU/CBU QR, in restaurants, taxis, markets and shops across Argentina. • Send pesos to any alias, CBU or CVU: rent, deposits, a friend, a tour guide. Instant transfer, no local account needed. • Load your balance from the US, EU, UK and more: ACH, SEPA, SWIFT, debit or credit card, USDC and other crypto. • See the rate before you pay: the crypto dollar rate, about 10% better than the tourist card rate in 2026. No fixed fee, the rate you see is the rate you get. • Earn cashback on your payments. WHO IT IS FOR Tourists, digital nomads, exchange students and expats in Argentina who cannot open Mercado Pago, Ualá or a local bank account because they have no DNI. HOW IT WORKS 1. Sign up with your email and passport (verification takes about 3 minutes). 2. Add funds by bank transfer, card or crypto. Your balance stays in USD. 3. Scan any Argentine QR or paste an alias and pay in pesos. FINE PRINT Rates change with the market and are shown before every payment. CacaoCash is not a bank; local settlement runs through licensed Argentine payment partners. Questions: info@cacaocash.com