VaultLeap vs PACTLY@

Your money. Your rules. VaultLeap gives you USD, EUR and MXN accounts, a Visa debit card, and yield on idle dollars. Everything settles to USDC in a self-custodial wallet only you control. GET PAID FROM ANYWHERE - Real US account and routing numbers that accept ACH and wire - SEPA transfers in EUR, arriving in minutes - SPEI transfers in MXN, arriving in seconds - Receive USDC from any wallet on Base SPEND EVERYWHERE - The VaultLeap Visa® Debit Card works anywhere Visa is accepted - Add it to Apple Wallet and tap to pay - No top-ups. It spends straight from your balance. EARN. YOU DIRECT IT. - Lend USDC to the Steakhouse Prime vault on Morpho, from your own wallet - Variable rate set by third-party markets, not VaultLeap - VaultLeap takes 0% of your yield ONE BALANCE, EVERY CURRENCY Hold dollars, euros and pesos side by side. See everything in one total. Move between them when you choose. Questions? support@vaultleap.com · vaultleap.com/help-center Earn rates are variable and not guaranteed by VaultLeap. Earn balances are not FDIC insured; withdrawals are subject to vault liquidity. https://www.bridge.xyz/card-agreements/vaultleap-card

Pactly · Clear accounts keep friendships strong You lent your friend $20 for the movies? Running a family tontine? Splitting rent with your roommates? Pactly turns these awkward money moments into clear, calm agreements. — A pact is sacred. Every cent validated on both sides. — LOANS BETWEEN FRIENDS, IN TOTAL CONFIDENCE • Create a loan in 10 seconds, the other party validates with a tap. • Every repayment requires both parties to approve. • Attach payment proof (photo, transfer screenshot) in a few taps. • Clear deadlines: automatic reminders before due date. TONTINES & ROSCAs • Create a rotating savings group with friends or family. • Track contributions and payouts in real time. • Tontine Mirror AI suggests the best partners based on trust scores. OBJECT LOANS • Lend your book, camera, tools… without ever forgetting. • QR code scanning for instant identification. • Photo of the item before lending + automatic return reminder. SHARED BILLS & EXPENSES • Split rent, groceries, nights out. • Auto-calculates who owes whom. • PDF export of monthly statements (admin-friendly). SECURITY & PRIVACY • Face ID / Touch ID to unlock the app. • Incognito mode hides amounts in public. • End-to-end encrypted conversations. • GDPR-compliant, data stored in Europe. INTERNATIONAL • Available in French, English, Spanish, German, Italian, Portuguese, Dutch, Arabic (RTL), Turkish, Romanian, Polish, and Russian. • Multi-currency (USD, EUR, GBP, CHF…). PACTLY PREMIUM (optional) • Unlimited loans and tontines. • Monthly PDF statement export. • Advanced multi-level reminders. • Unlimited history and statistics. • Extended Trust Score with AI coach. • Priority support. Pricing: • Monthly: $14.99/month • Annual: $129.99/year (save 28%) Secure payment via Apple In-App Purchase. No hidden commitments. Cancel anytime from Settings › Apple ID › Subscriptions. FREE FEATURES • 3 simultaneous active loans free. • Unlimited bilateral validation. • Real-time notifications. • Multi-device sync. — Pactly is designed to preserve your friendships by making accounts transparent and calm. No more arguments, no more failing memory, no more awkward "did you pay me back?" moments. Just a clear pact, validated on both sides. Download Pactly today and rediscover the joy of lending without worry. — Support: support@pactly.app Terms: https://pactly.app/terms Privacy: https://pactly.app/privacy