HandlePay vs KardX

Handle Pay is a user-owned money app that helps individuals and businesses in emerging markets receive money, hold value in digital dollars, and move between crypto and practical financial use cases through one unified product. At its core, Handle Pay is built to reduce the friction between traditional payment systems and crypto rails. Instead of forcing users to piece together wallets, exchanges, bridges, bank transfers, and payment apps on their own, Handle Pay brings these experiences into a simpler and more intuitive interface. Users can use Handle Pay to deposit supported assets, receive payments, request money, send funds to other users, withdraw on-chain, and manage balances across different wallet experiences. Over time, the platform is designed to expand into broader money use cases such as savings, local spending, and everyday financial coordination. Handle Pay is not just about accessing crypto. It is about making money more usable. For many users, especially in emerging markets, the real need is not speculation. It is the ability to receive global payments, protect value from local currency instability, and move money with fewer barriers.

KardX is one balance that works across borders. Hold your money as a dollar stablecoin, send it to anyone in seconds, pay out to a real bank account, invoice a client, or take card payments on your own site — all from one account, with one ledger underneath that balances to the cent. HOLD DOLLARS THAT DO NOT DRIFT Your balance sits as USDC, a dollar stablecoin, instead of a currency that loses value while it waits. It is spendable and sendable from the moment it lands. SEND MONEY IN SECONDS Send to anyone on KardX by username, email or QR code. It arrives immediately, with no network fee and nothing to wait for. RECEIVE HOWEVER PEOPLE WANT TO PAY YOU • Your own USD, EUR and GBP account numbers — a bank transfer to any of them becomes balance • Your own crypto address on Ethereum, Base, Solana, Polygon, Arbitrum and Optimism • A QR code or a KardX username PAY OUT TO A BANK Withdraw to your own bank account in eight currencies, and follow it with a KardX tracking number — our number, our timeline, not a provider's reference you cannot read. RUN A BUSINESS FROM THE SAME APP Switch to business mode for invoices that clients pay by card or by USDC, a payment gateway for your own website, payouts to contractors, expenses, and account numbers in the company's own name. Business money stays in its own balance, separate from your personal one, because mixing them is the first thing an accountant asks about. EVERY COIN, EVERY NETWORK Receive and hold USDC, USDT, Bitcoin, Ethereum, Solana, BNB, Tron, XLM and more. Each one at its own address, each valued live. A CARD THAT SPENDS YOUR BALANCE Five editions to reserve now in the founder programme, from the Early Backer to the numbered Metal Founder. Card issuing is not connected yet and the app says so — a pre-order holds your place, and nothing is activated until it is live. KARDX POINTS Earn points on the fees you pay and spend them on fee waivers, card discounts and membership. Points are a rewards balance, not money and not an investment: they have no cash value, cannot be transferred or withdrawn, and may expire. BUILT PROPERLY • Double-entry ledger — every movement is two entries that sum to zero, and your balance is computed from them, never stored in a box someone can edit • Face ID or a PIN before balances appear • A stamped PDF receipt for every transaction, with a code anyone can check against KardX's own record • Account statements any month, as PDF or CSV KardX is not a bank. Balances are held as stablecoin and through regulated partners; what we give you is an account statement, and it says so on the paper. Questions: info@kardx.io