Monet vs Gobi Live

Money that moves with you. Monet is a cross-border fintech app for people and businesses working beyond one country. Open a Monet account, access eligible virtual account details, receive payments and manage international money movement in one place. ACCESS BEYOND BORDERS Eligible non-U.S. residents can complete identity verification without a U.S. Social Security number, using the identification required for their country. Supported Mexican identity documents are accepted for eligible applicants through our verification providers. Requirements depend on your residence and the service you use; U.S. residents may need an SSN or other accepted tax identification. Account services require identity verification and provider approval. VIRTUAL ACCOUNTS & ACH ACCESS Get local receiving details for the currencies available to your verified account. Eligible USD virtual accounts support receiving ACH bank transfers. Share your approved account details to receive permitted payments, and send to supported bank accounts and local payment destinations. Available currencies, payment sources, fees and delivery times depend on your account and route. INVOICING FOR GLOBAL WORK Create and share invoices, organize customer payments and reuse invoice templates. Accept bank payments in the currencies supported by your available virtual accounts. Keep your invoices and payment activity together, whether you work with clients nearby or across borders. AI INSIGHTS FOR YOUR MONEY Explore your spending and transaction activity with AI insights. Ask questions, spot spending patterns and better understand where your money goes. Insights use available account data and can be incomplete or mistaken; check the underlying transactions before making decisions. CONNECTED FINANCIAL INFRASTRUCTURE Monet integrates services from providers including Bridge, Stables, Coinbase and Transak to support eligible account, funding and transfer features. The provider available to you depends on your location and the service. Review the displayed fees, exchange rate and payment details before confirming. We are building broader access to financial tools for people and businesses across borders. Monet is a financial technology company, not a bank. Virtual account and payment services are provided through third-party providers. Availability varies by country, residency, verification status and provider approval. Not every user is eligible for every service. A virtual account does not by itself make your Monet balance a bank deposit or provide deposit insurance.

Gobi Live helps you manage USDC, accounts and transfers in one place. Follow balances, move funds between supported accounts, and withdraw to an external wallet. It uses real funds and is a separate app from Gobi: Trading Simulator, which uses virtual money. YOUR ACCOUNTS, TOGETHER Switch between Cash and named trading accounts. See the selected account's balance and available funds on Home, or open Account for an overview. Add money, move funds and start a withdrawal from the account you are using. A CLEARER WITHDRAWAL Open Withdraw from Home, Account, Cash or a trading account. Choose the source account, paste or scan the destination address, and enter an amount. Check the supported asset and network, full recipient address, and fees before approving. Transfers cannot be reversed. ADD MONEY Receive USDC at your HyperEVM receiving address, or choose an available payment or wallet option in Add money. The provider shows its methods, fees and any identity checks. After receiving is enabled, incoming USDC is added to Cash following confirmation and processing. MARKETS AND TRADING Browse supported perpetual markets on Hyperliquid. Eligible adults in supported locations can review market or limit orders and manage positions and orders. Check leverage, margin and fees before confirming. Perpetual contracts provide exposure to price movements, not ownership of the underlying asset. Leveraged trading can result in liquidation and loss of funds. FOLLOW YOUR ACTIVITY View transfers and their status in Activity. Open a receipt to check the destination, amount and available transaction details. SECURITY AND RECOVERY Privy provides your sign-in wallet. Cash is held in a smart-contract account on HyperEVM, separate from the receiving wallet. Cash withdrawals require your wallet signature. Trading authorization explains the agent permissions you grant. Security & recovery provides key export and account-deletion controls. Exporting a key does not withdraw contract-held Cash or close trading positions. AVAILABILITY Perpetual trading is unavailable in the United States, the United Kingdom and regions subject to comprehensive U.S. economic sanctions. Additional restrictions apply under applicable law and our Terms. Market browsing does not require enabling trading. See hevmwallet.com/availability for regional information. Payment methods have separate eligibility requirements. USDC is a digital token. Cash is the app's name for its USDC account, not a bank deposit.