Magnus Pay vs Valygo

Magnus Pay is a non-custodial mobile wallet for sending and receiving digital dollars, dong, and euros. Built on Magnus, a new Layer 1 blockchain designed for stablecoin payments in emerging markets. What's different about Magnus Pay: Pay transaction fees in any stablecoin you hold. Most wallets force you to keep a separate "gas token" alongside the currency you actually use. Magnus removes that. Send 100 mVND, pay the fee in mVND. Send 50 mUSD, pay in mUSD. Pick your fee currency from the bottom sheet on the send screen. Settles in 300 milliseconds. Magnus uses Commonware Simplex consensus, which finalizes transactions in roughly a third of a second. The wallet shows you the elapsed time on the send confirmation screen. Cash out to a Vietnamese bank account. Send digital dong, receive VND in your bank account via VietQR. Works with banks supporting NAPAS 247. Three stablecoins live today: mUSD (US dollar), mVND (Vietnamese dong), and mEUR (euro). All maintain their peg via on-chain FX reporters that publish rates every minute. What's in the wallet: - Send and receive stablecoins via QR code or wallet address - Multi-currency fee picker - Transaction history with block explorer links - Cloud account backup via Google sign-in - Local currency display (USD by default, switchable) - Faucet for getting test tokens during the Magnus devnet phase Magnus is fully open source. The wallet, the chain node, the FX reporters, the precompiles. Source at github.com/Magnus-Foundation. This app does not custody your funds. Your seed phrase is generated on your device and never leaves it. Magnus does not have the ability to freeze your account, reverse your transactions, or recover your wallet without your backup. The optional Cloud Account Backup feature uses Google sign-in plus threshold cryptography to let you recover your wallet on a new device. Magnus Pay is currently running against the Staccato devnet. Mainnet launch follows in Q3 2026.

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.