Hyperbeat Pay vs Stablecard by Western Union

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.

Stablecard by Western Union is a Visa® spend card that lets you hold and use US Dollar Payment Token (USDPT™), a stablecoin designed to maintain the same value as the US dollar. You fund Stablecard with USDPT, and spend online, in stores, or access cash globally - wherever Visa is accepted.  Whether you're managing digital assets or looking for a simple way to use stablecoin without having to convert into fiat currency,, Stablecard helps bridge digital finance and everyday payments—securely and conveniently from your phone. Reliable & Secure Spending Experience • Spend globally: Use your card anywhere Visa is accepted. • Stable value: USDPT™, the stablecoin launched by Western Union on the Solana blockchain and issued by Anchorage Digital Bank, maintains a 1:1 value with the US dollar. • Manage everything in-app – Track transactions and control your card. • Cash access – Withdraw at ATMs. How to Get Started Download the Stablecard app and log in. Complete onboarding and verification, no credit check or minimum balance Add the virtual card to your Apple Wallet Add funds in USDPT™ Start spending anywhere Visa is accepted. Flexible Funding Options • Transfer USDPT™ from compatible crypto wallets or exchanges. Trusted Global Network • Powered by Western Union’s global reach. • Works on the Visa® network for worldwide acceptance. • Built-in compliance, identity verification, and security protections. Stablecard bridges digital assets and everyday payments—giving you a simple way to hold, move, and spend value across borders. Fees & Important Disclosures Fees may apply, including ATM withdrawal fees. See Terms and Conditions for details.  Availability, features, and services depend on geographic and regulatory requirements.  Fees, foreign exchange rates, and taxes may vary based on multiple factors, including brand, channel, and location. Fees and rates are subject to change without notice.    Stablecard by Western Union is issued by Third National (third-national.com), which is a Visa® principal member that is licensed in Puerto Rico, United States. USDPT is issued by Anchorage Digital Bank, N.A., a US national trust bank. USDPT is not issued, backed, approved, or guaranteed by the US government. USDPT is not insured by the Federal Deposit Insurance Corporation (FDIC) or any other US government agency. Money transfer services may be provided by Western Union Financial Services, Inc. (NMLS # 906983) and/or Western Union International Services, LLC (NMLS # 906985).  See terms and conditions in the app for details. Western Union has offices worldwide and has its headquarters at 7001 E. Belleview, Denver, CO 80237, which may be contacted at +1-720-332-1000.