Prism Pay vs Valygo

As a foreigner staying in Vietnam, you only have two ways to make payment: cash or card. Cash runs out fast and cards are rarely accepted, but every cafe, street food stall, coffee shop, and even luxury restaurants take QR codes. Those QR codes only work with a Vietnamese bank account, leaving you stuck with cash and card every time you buy something. Prism fixes that. Prism is a dollar wallet built for foreigners in Vietnam. Fund it with USDC on Base, then pay any local QR code instantly. Your balance is shown in US dollars, and we convert at the live exchange rate at the moment you pay. 1. Fund your wallet Send USDC on Base from any exchange or wallet you already use. Funds arrive in seconds. 2. Pay like a local Scan any VietQR code at restaurants, cafes, markets, supermarkets, ride apps, and street vendors. No card, no foreign transaction fees, no fees on the merchant side. Who Prism is for: 1. Expats living and working in Vietnam who hold USDC 2. Digital nomads who get paid in USDC and base themselves in Vietnam 3. Travelers who want to skip the ATM and pay like a local

Valygo is your all-in-one account manager for cards, wallets, and everyday money management. View balances, send and receive assets, manage payment cards, and track your activity — all from a clean, secure mobile app. Your finances, simplified. We’ve got you covered. WHY VALYGO? Valygo brings together digital assets, subscription-based banking features, and payment cards in one place. Whether you’re holding VYO, managing wallet balances, or using virtual and physical cards, Valygo helps you stay in control of your money with real-time balances, transaction history, and built-in security. KEY FEATURES • Unified dashboard — See your portfolio at a glance with balances for VYO, PGD, crypto, and linked accounts. • Digital wallets — Manage VYO and PGD wallets, view addresses, copy deposit details, and monitor your holdings across supported networks. • Send & receive — Transfer assets quickly. Share your wallet address or QR code to receive funds on the correct network. • Payment cards — View virtual and physical cards, check card details, freeze or unfreeze cards, and manage card-linked balances (based on your plan). • USD & crypto accounts — Access virtual USD accounts and crypto platform features as your subscription tier allows. • Withdrawals — Send funds to saved beneficiaries with a guided withdrawal flow. • Transaction history — Filter and review incoming, outgoing, and pending transactions in one place. • Subscription plans — Choose Free, Essential, or Premium and unlock features such as virtual accounts, cards, lower fees, and VYO bonus rewards. On iOS, paid plans are purchased through Apple In-App Purchase. • Identity verification (KYC) — Complete secure verification to unlock full account features. • Referral program — Invite friends and earn rewards through Valygo’s referral system. • Notifications — Stay informed about account activity and important updates. • Appearance — Switch between light and dark mode for a comfortable viewing experience. SECURITY YOU CAN TRUST Your account is protected with industry-standard security practices, including two-factor authentication (2FA), biometric unlock on supported devices, and secure session handling. Manage your password and security settings directly in the app. PLANS FOR EVERY NEED Start with the Free plan and upgrade when you’re ready: • Free — Core wallet and account features • Essential — Virtual USD account, virtual card, and enhanced benefits • Premium — Expanded card and account options, premium limits, and higher VYO bonus rates Plan features, fees, and deposit requirements are shown in-app before you subscribe. SUPPORT Need help? Visit Help & Support in the app for FAQs, legal information, and links to our team. You can also reach us at Support@valygo.com. Learn more at valygo.com IMPORTANT INFORMATION Valygo is a financial technology application. Availability of features, cards, accounts, and services may vary by country and subscription plan. Identity verification may be required. Digital asset transfers involve risk, including irreversible transfers — always confirm network and address details before sending funds. Fees, rates, and plan terms apply as displayed in the app. Please review our Terms & Conditions and Privacy Policy before use. Token purchases and other web-only platform features may be available on valygo.com and are separate from this iOS app. Privacy Policy: https://privacypolicy.valygo.com/legal/privacy-policy Terms of Use (EULA): https://valygo.com/app/terms Download Valygo today and take control of your digital finances.