Tontine vs Ethena Pay

Put your finances on autopilot, for life. A Tontine Trust turns your savings into a lifelong monthly income designed to never run out. Install the App now to: • See how much you need to fund your ideal lifestyle • Build your Trust with assets that can protect your purchasing power (including physical Gold/Silver and/or Bitcoin) • Adjust or pause your income start date anytime • Switch assets as your strategy evolves • Transparent pricing: 1% annually, no setup fees • Fund easily via bank transfers or stablecoins (100+ countries supported) • Visualize your expected income for each month over the rest of your life Simple, flexible, and built for long-term financial security so that you can focus on the more important things in life.

ONE GLOBAL APP FOR YOUR MONEY; WITH EXCLUSIVE REWARDS. Save it. Send it. Spend it. And earn daily Boost on eligible balances while you do. Ethena Pay is a non-custodial wallet, which means your assets stay in your hands. Always. We're not a bank. We never hold your money. You do. The rollout starts now with daily boosts on your balance, crypto cashback and referrals. Join today and lock in early access to cards, instant transfers, and more. EARN BOOST WITH REFERRALS - Earn rewards for every friend you successfully refer; and your friend earns too - Climb reward tiers to unlock up to $5,000+ in total referral bonuses - Upgrade your card tier - Standard, Pro, or VIP based on successful referrals - Early-access spots for Pro and VIP cards are limited - claim yours while they last Referral bonuses are subject to eligibility and program terms. GET SET UP IN MINUTES - Sign up with just your email - no paperwork, no waiting - Secure your account with passkeys and biometrics - no passwords to remember - Add a PIN for an extra layer of protection EARN DAILY BOOST ON YOUR BALANCE - Earn Boost daily on eligible balances - Watch your Boost accumulate in real time - every single day - A smarter way to hold your money and digital assets in one app Boost is a rewards program, not interest or a deposit product. Rates, eligibility, and availability vary and are subject to program terms. SEND MONEY INSTANTLY - Send to any Ethena Pay user by username, anywhere in the world, with no fees - Transfer to any crypto wallet or withdraw to a bank account - Track every transaction with instant notifications SPEND GLOBALLY - Generate a virtual card to use in ApplePay in less than a minute - Earn crypto cashback on every transaction Network (gas) fees may apply to on-chain transfers. Supported chains may change over time. YOUR MONEY, YOUR CONTROL - Non-custodial by design - you hold your assets; Ethena Pay never takes custody of your funds - Passkey authentication - phishing-resistant, with no passwords to steal - Biometric login with Face ID or fingerprint - Encryption protects your data in transit and at rest - Built on transparent blockchain and stablecoin infrastructure DESIGNED TO FEEL EFFORTLESS - Clean, minimal interface - find what you need in seconds - Real-time notifications keep you in the loop LEGAL Ethena Pay is operated by Ethena Pay LTD. Ethena Pay is not a bank, and Ethena Pay LTD is not a licensed financial institution; certain payment and related services are provided by licensed third-party providers. Ethena Pay is a non-custodial wallet: you retain control of your digital assets at all times, and you are responsible for maintaining access to your account credentials and passkeys. Boost is a rewards program subject to eligibility requirements and program terms; it is not interest, a deposit, or a savings product, may change or be discontinued, and is not guaranteed. Daily Boost accrual depends on eligibility and program terms. Digital assets, including USDe, are not legal tender, are not insured by the FDIC or any government deposit-insurance scheme, and involve risk; their value can go up or down, and you may lose value. Features described as upcoming (including cards and instant transfers) are in development and subject to change. Availability of features and rewards may vary by region. Ethena Pay does not provide financial, investment, legal, or tax advice. Your use of Ethena Pay is subject to our Terms of Service and Privacy Policy. Registered address: 30/1 Kenilworth, Triq Sir Augustus Bartolo, Ta’ Xbiex, XBX 1093, Malta Contact: support@ethenapay.co Terms: https://wallet.ethenapay-api.co/terms Privacy: https://wallet.ethenapay-api.co/privacy