MOI Wallet vs Cycles Pay

MOI Wallet is your gateway to the MOI network, securely manage your assets with full control of your private keys. FEATURES Self-Custodial Security Your seed phrase and private keys are generated and encrypted entirely on your device. No server ever stores or sees your keys. Biometric Unlock Protect your wallet with fingerprint or face recognition for fast, secure access every time. Send & Receive MOI Assets Transfer MOI network assets with a simple asset id. QR Code Scanner Scan WalletConnect QR codes directly from the app. WalletConnect Support Connect to decentralised apps (dApps) on the MOI network by scanning a WalletConnect QR code. Approve or reject signing requests directly from your wallet. Account & Sub-Account Management Create and manage multiple accounts and sub-accounts within a single wallet to organise your on-chain identity. Transaction History View a complete activity feed of all your past transactions. Seed Phrase Backup Securely reveal and back up your 12 or 24-word secret recovery phrase, protected by password or biometrics. Screenshots are automatically blocked on this screen. Encrypted Local Storage All sensitive data is encrypted at rest using industry-standard libraries. SECURITY FIRST MOI Wallet is built for users who prioritise security. Every piece of sensitive data is encrypted before being written to local storage. Screen capture is blocked when viewing your seed phrase. Biometric authentication is optional and user-controlled. DISCLAIMER Cryptocurrency wallets involve risk. Always store your seed phrase in a safe, offline location and never share it with anyone. MOI Wallet cannot recover a lost seed phrase.

Cycles Pay is a modern payment app built for both businesses and individuals, combining private transactions, stablecoin and fiat payments, and yield. Private by default Nearly all payment apps expose balances, history, and counterparties. With Cycles Pay, transactions are shielded using zero-knowledge proofs, so sensitive financial data stays private, while remaining auditable when needed. Automatic yield In both fintech & crypto alike, earning yield usually means a lot of deposits & withdrawals. In Cycles Pay, funds remain productive while still being usable for payments, letting individuals & businesses earn on idle balances without sacrificing time or liquidity. Fiat payments (Coming soon) Send and receive fiat directly in the Cycles Pay application. Our integrated virtual bank accounts automate the conversion to and from fiat on entry and exit, meaning everyday payments can be processed straight from the application.