Hyperbeat Pay vs UseBudget

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.

Take back control of your money — without ever handing over your bank login. UseBudget never connects to your bank: you import your own statements (OFX, QFX, CSV), the app sorts them and shows what you will have left at the end of the month. NEW • Multi-currency: an account in the US, another in the UK? Each account in its own currency, your totals converted at the ECB reference rate, and cross-currency transfers at the amount actually received. • Demo without an account: try the app on sample data, without giving your email. • Statement reconciliation, CSV export, yearly budget view, calculations right in amount fields (12+8.50). • Overspend alerts and a weekly email summary, monthly PDF report: each with its own switch, nothing on by default. WHAT YOU CAN DO • Import your statements in seconds, duplicates detected automatically. • Categorise automatically with rules (keyword, amount) — and,, from the history of your choices. • Budget with envelopes: income, fixed costs, variable spending, extras. • Look ahead: your forecast balance at month end, and over 3, 6 or 12 months. • Split a receipt across categories, attach a planned expense to the statement line. • Track savings projects and prepare recurring payments (rent, salary, subscriptions). YOUR ACCOUNT One Marolya account gives you access to UseBudget and to the other apps in the Marolya family. Sign-in happens on marolya.fr, the app's publisher. Your UseBudget data stays in UseBudget. YOUR DATA In the iPhone app, an optional Face ID lock protects access to your data. Hosted in Europe. No advertising. No data resale. You can erase your UseBudget data at any time from the app. Deleting your ENTIRE Marolya account — the login and the other apps — is done on marolya.fr. Your data is not kept forever: after a year without visiting, you are notified by email, reminded two days before the deadline, then it is erased. Signing in is enough to cancel everything. TERMS Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Terms of service: https://usebudget.marolya.fr/cgu · Terms of sale: https://usebudget.marolya.fr/cgv Marolya — RCS 824 330 054 Angers (France)