KOSH Money vs Hyperbeat Pay

KOSH helps freelancers and professionals receive, hold, send, and spend money across borders from a single account with stablecoin support. Why choose KOSH? KOSH is designed to give you a better stablecoin finance experience. • Deposit supported stablecoins on multiple networks, including EVM-compatible networks and Solana. • Get support from the KOSH team including founders when you need help. • Manage multiple virtual accounts and your KOSH Card from a single app. Supported Features 1. Multi-currency accounts     Access USD, EUR, GBP, AED, and SWIFT account details to receive payments from clients and platforms worldwide. 2. Spend globally     Use your KOSH Card online, in-store, and internationally wherever Visa is accepted. Apple Pay is available on supported devices. 3. Send money worldwide     Transfer funds internationally and to supported bank accounts through available payment methods. 4. Earn rewards     Earn rewards on eligible transactions and campaigns, subject to applicable terms and availability. Download KOSH to get your USD account and card in minutes. Financial services are provided by regulated third-party partners, including Bridge, Iron by Moonpay, and Rain, operating under applicable licences and regulatory frameworks. Product availability, supported regions, currencies, networks, and features may vary.

Hyperbeat: Crypto Wallet & Card Hyperbeat is a self-custodial crypto wallet and spending app. Manage your digital assets and spend anywhere in the world with a crypto-backed Visa card, secured by a passkey with no seed phrases required. Crypto-Backed Visa Card: Fund your card with the crypto assets already in your portfolio and spend at any merchant worldwide. Switch between credit and debit spending modes, set your own spending cap, and freeze or unfreeze your card instantly from the app. Earn cashback on every purchase, with tiered boosters for active users. Passkey Security: No Seed Phrases Your assets stay in your control at all times. Sign in with a passkey, the same technology that secures your Apple ID, instead of a 12-word seed phrase. No custodian holds your funds. Multi-Chain Deposits: Deposit over 15 crypto assets from any major blockchain. Connect an external wallet via WalletConnect, bridge from Arbitrum, Base, or Ethereum, or send directly from a hardware wallet. Supported assets include USDC, USDT, ETH, BTC, SOL, HYPE, and more. Savings Balance: Convert your stablecoins into a savings balance that works for you automatically. Withdraw any time with no lock-up. Spending Analytics: Track your card spend by category: groceries, dining, transport, entertainment, and more. View top merchants, cashback earned, and spending trends over 7, 30, or 90 days. Portfolio Dashboard: View your complete portfolio in one place. Track your balance history over time with interactive charts and see exactly how your assets are allocated. Quick Identity Verification: Verify your identity in under 5 minutes to unlock your card and full account features.