Shift Tap vs STB Superapp

Shift is a payment system inspired by the simplicity of physical cash — built for the digital world. Cash settles instantly because trust is built into the bill itself. No bank verifies it, no network carries it. Shift brings that same feeling to digital money using an NFC smart card that holds your funds and signs every payment with a tap. We call this world Ledgerless. PAY LIKE CASH • Send USDC directly to anyone, peer-to-peer • Receive payments with a simple QR request • Tap your Shift Card to approve — your keys never leave the card • Send and receive offline over Bluetooth, no internet required YOUR CARD, YOUR KEYS • Pair your NFC Shift Card once and you're ready • Cryptographic keys live on the card's secure hardware • Every transaction is signed by a physical tap — nothing moves without you MOVE MONEY ON AND OFF • Deposit USDC from your existing wallet to load your card • Withdraw back to your wallet anytime • Works across Ethereum and Solana • Connect MetaMask, Phantom, Rainbow, Trust, Backpack, Solflare, and more EARN YIELD AUTOMATICALLY • Put your USDC to work and earn yield on Solana • Track your earnings, APY, and daily growth in one place SPEND ANYWHERE • Connect your existing crypto spending cards and move USDC where you need it Shift is built for people who want money that moves at the speed of a tap — simple, instant, and fully in your control.

SpendTheBits is a self-custody crypto wallet for stablecoins and 13 chains: USDC, USDT, Bitcoin, Lightning, Ethereum, Solana, XRP, TRON and more. Earn yield on idle stablecoins, send, bridge, and get paid by AI agents — your keys never leave your phone. YOUR KEYS, YOUR CRYPTO • Fully self-custody: the seed phrase and private keys are generated and stored only in your phone's secure keychain — never on our servers • One recovery phrase for BTC, LTC, ETH, Base, Linea, BNB, POL, AVAX, SOL, XRP, TRX, FLR and SUI, plus USDC and USDT across chains • Bitcoin over Lightning: instant, low-fee payments from a node on your phone • Restore into any compatible wallet, any time — no lock-in EARN ON IDLE STABLECOINS • Put idle USDC to work in vetted on-chain vaults held by your own keys • A 0–100 Yield Safety Score routes deposits and a Treasury Auto-Defense circuit breaker can exit to liquid USDC on a safety breach • Observed yield, not projections; sends unwind just what you need, just in time PAY, AUTOPAY & STREAM • Send instantly to addresses or @handles • Recurring autopay from one signature — a revocable allowance, never an escrow • Stream salary, rent or vesting per second; claim whenever you like • Bridge USDC between chains with Circle CCTP GET PAID BY AI AGENTS • Your @handle doubles as an x402-payable endpoint: agents pay USDC over HTTP 402 straight to addresses only you control • Pay any x402 API from your wallet by pasting or scanning its URL SPEND • Buy gift cards from popular brands by paying in any crypto PROTECT & RECOVER • Recipient risk-screening and an anti-swap broadcast firewall • Scam-token quarantine: unverified airdrops never count as real funds • Spending guardrails: caps, allowlists, quiet hours, one-tap freeze • Clear-signing — see exactly what you approve • Social recovery via guardians and an inheritance flow NON-CUSTODIAL BY DESIGN No exchange, no order book, no fiat ramp: SpendTheBits is a wallet. Even the AI Copilot is prepare-only — it proposes, your device disposes. Crypto is volatile and involves risk. SpendTheBits is a non-custodial wallet; you are responsible for safeguarding your recovery phrase.