UdotPay vs STB Superapp

用户可以通过 Udotpay 申请 Mastercard 加密支付卡，将加密货币与现实消费场景连接起来。在全球 100+ 国家和地区，用户都可以像使用普通银行卡一样进行消费。

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.