Shift Tap vs ZRPay

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.

ZR Pay turns your digital assets into real-world spending power. Pledge USDT and other supported assets to unlock a spending limit on your card, then pay anywhere Visa is accepted — online and offline, at home and abroad. WHY ZR PAY • Global reach — spend across many countries and regions worldwide, everywhere Visa is accepted. • Asset-backed limit — pledge your digital assets to unlock a spending limit; no need to sell your holdings first. •Fast issuance — apply for a spending card in minutes after identity verification (KYC). • Online & offline — bind mainstream wallets for in-store scan or tap, and pay for online shopping and subscriptions. • Transparent fees — low spending fees, no hidden annual charges. BUILT-IN SECURITY • Payment password for sensitive actions • 3DS cardholder verification for online payments • Freeze / unfreeze your card anytime • Real-time transaction alerts EVERYDAY SCENARIOS Cross-border shopping · online subscriptions · in-store payments · travel · games & digital services ABOUT & COMPLIANCE ZR Pay is operated by ZR Credit Services Limited, a Hong Kong company. Identity verification (KYC) and anti-money-laundering (AML) checks apply to all users. Support: https://www.zrpay.hk · Contact: ops@zrpay.hk