SurfCash vs Ascend

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.

Track net worth across brokerages, manual accounts, your home, and self-custodied crypto — read-only, in one number. Ask an AI that can see your actual holdings. Track manual bank and retirement balances, real estate, and self-custodied crypto for free. Pro adds automatic read-only brokerage sync. Manually entered balances need to be updated by you. Ascend shows how your net worth has grown and what is driving it. ONE CLEAR PICTURE OF YOUR NET WORTH • Your accounts in one place — investments, cash, 401(k)/IRA, home value, and on-chain crypto • Your net worth over time, not just a snapshot • Allocation and holdings across your accounts, combined SEE HOW YOU'RE REALLY DOING • A basic retirement projection built on your real numbers, available for free • Pro: your returns measured against the S&P 500 • Pro: weekly rundown of what moved and why AN AI COPILOT THAT KNOWS YOUR PORTFOLIO • Ask plain-English questions about your money and get answers grounded in your actual holdings • Free includes 15 Ask Ascend messages each month • Pro adds unlimited AI chat with a stronger model • Pro stock research is capped at 30 generations per month; upcoming events and research teasers are available for free PRIVATE AND READ-ONLY, BY DESIGN • Ascend is read-only — it can never move money, trade, or make transfers • It never sees your brokerage password; read-only linking is handled by SnapTrade • Your linked credentials are encrypted at rest with a key separate from the database • Request account deletion from Settings — Ascend immediately locks the account, then revokes supported connections and erases user-scoped app data. If a provider is temporarily unavailable, deletion stays pending for automatic retry. An active App Store subscription does not block deletion, but Apple billing must be managed separately. Ascend is a personal-finance tracker, not a financial advisor, and does not provide investment advice. Membership: Free includes manual accounts, crypto wallets, net-worth history, basic planning, and 15 Ask Ascend messages per month. Pro adds automatic brokerage sync, unlimited AI chat with a stronger model, weekly reports, returns-vs-market, and advanced planning. Monthly and annual Pro subscriptions unlock the same features and renew automatically. Payment is charged to your Apple ID; it renews automatically unless canceled at least 24 hours before the period ends, and you can manage or cancel in your App Store settings. Prices shown in-app. Terms: https://app.ascendwealth.app/terms.html Privacy: https://app.ascendwealth.app/privacy.html