Hyperbeat Pay vs Lumo Wallet

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.

One Wallet. Endless Possibilities. Your Keys. Your Crypto. Your Way. Lumo Wallet is a powerful self-custody crypto wallet designed for individuals and businesses who want complete control over their digital assets. Buy, store, send, receive, and manage cryptocurrencies from one secure and easy-to-use application. Unlike custodial platforms, Lumo Wallet gives you full ownership of your crypto. Your private keys and recovery phrase remain under your control, helping you stay in charge of your assets at all times. Self-Custody Security Lumo Wallet is built around the principle of self-custody. • You control your private keys • Your recovery phrase stays under your control • Advanced encryption helps protect your wallet • No access to your funds by Lumo Wallet • Secure account recovery through your seed phrase Manage Your Crypto Store and manage your favorite cryptocurrencies through a clean and intuitive interface. Features include: • Send and receive crypto globally • View balances and transaction history • Monitor your portfolio in real time • Access multiple blockchain networks • Simple wallet creation and import options Buy and Sell Crypto Purchase cryptocurrency directly within the app through trusted third-party providers. • Buy crypto using supported payment methods • Sell supported cryptocurrencies where available • Fast onboarding experience • Competitive exchange rates from integrated partners Availability may vary by region. Lumo Business Lumo Wallet is more than a personal wallet. Businesses can access tools designed to help them participate in the digital asset economy. Business features include: • Accept cryptocurrency payments • Generate payment requests and invoices • Monitor incoming transactions • Access business-focused wallet functionality Feature availability may vary based on jurisdiction and compliance requirements. PulseAI Assistant Meet PulseAI, Lumo Wallet's intelligent in-app assistant. PulseAI helps users navigate wallet features, understand functionality, and access relevant information directly within the app. Built for Global Users Whether you're new to crypto or an experienced user, Lumo Wallet is designed to make digital asset management simple and accessible. Use Lumo Wallet to: • Store digital assets securely • Send payments worldwide • Manage your portfolio • Access business payment tools Important Information Lumo Wallet is a self-custody wallet. Users are solely responsible for safeguarding their recovery phrase and private keys. Loss of recovery credentials may result in permanent loss of access to funds. Cryptocurrency services and third-party integrations may not be available in all jurisdictions. Users should ensure compliance with local laws and regulations before using any digital asset services. Lumo Wallet does not provide financial, investment, tax, or legal advice. Cryptocurrency investments involve risk and may result in loss of value. Download Lumo Wallet today and take control of your digital assets with a secure, self-custody experience designed for the future of finance.