Hyperbeat Pay vs Peanut

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.

Get paid from abroad. Use your balance every day. Peanut is a money app for freelancers and remote workers. Get paid from the United States and Europe, keep your money in digital dollars and pay with QR or withdraw it. You don't need to travel to get paid from abroad. GET PAID If your verified account is eligible, you can open USD, EUR, GBP, MXN or COP account details. Share them only with the people who pay you and check the instructions for each transfer. GBP details are in our banking partner's name and held on your behalf. Who can pay you depends on the currency and your verified residence. Businesses can pay eligible accounts. USD also accepts payments from another person under USD 4,000 per payment; that limit does not apply to family members who share your surname. MXN accepts payments from another person up to MXN 15,000 in total. EUR, GBP and COP do not accept payments from another person. If you live in Texas, your USD details accept payments only from your own account. Availability depends on where you live. Timing depends on the type of transfer: some usually arrive within minutes and others take a few business days. Money you receive goes to your digital dollar balance. Payments in other currencies are converted to digital dollars, with the conversion cost included in the exchange rate. Peanut is for personal use. It does not offer business accounts or invoicing. USE YOUR BALANCE Pay with Mercado Pago QR at supported merchants in Argentina, or supported QR codes and Pix keys in Brazil. Passport verification can enable these payments without a local bank account. Local bank deposits and withdrawals in ARS and BRL have separate requirements: local residence, a tax ID and an eligible account. You can also withdraw through the bank routes available for your account. Check the amount, the exchange rate and any withdrawal costs before you confirm. GET STARTED Create your account in the Peanut app. Verify your identity for the method you want to use, check who can pay you and share your account details. Peanut is an app for using your money, not a bank or a savings account.