MOI Wallet vs STB Superapp

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.

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.