WallCard vs MoniRef

WallCard is a self-custodial wallet designed to feel as familiar as using a payment card. Instead of complex wallet interfaces and confusing approval popups, WallCard gives you a simple, card-first experience that makes managing digital assets easier to understand. Your wallet address works like an account number for receiving funds, while PINs, biometrics, OTP verification, and approval prompts help secure wallet operations and keep you in control of your assets. With WallCard, you can: • View your balances from a clean, intuitive dashboard • Send and receive assets with simple confirmation flows • Review wallet activity and transaction history • Approve requests from connected apps directly from your phone • Manage security settings in one place • Access multiple blockchain networks through a familiar experience Built for the modern Web3 ecosystem, WallCard helps simplify interactions with decentralized applications, connected services, and AI-powered agents without sacrificing user control. Unlike traditional wallets that often expose users to complex signing flows, WallCard presents approvals in a clearer and more understandable way, helping users make informed decisions before taking action. Security and Ownership WallCard is built around a simple principle: your card, your keys, your assets. As a self-custodial wallet, you remain the owner of your wallet and digital assets at all times. WallCard does not take custody of your funds and cannot access, move, or control your assets on your behalf. PIN verification, biometrics, OTP verification, and approval requests act as security layers that help protect access to wallet actions while keeping you in control of every important decision. Security features include: • Self-custodial ownership of your wallet • PIN and biometric protection • OTP verification when required • Mobile approval notifications • Account and device management controls Powered by NodeRails Card Network WallCard is powered by NodeRails, a crypto payments and wallet infrastructure platform designed to simplify blockchain interactions for everyday users. NodeRails acts as the network and infrastructure layer behind the WallCard experience, helping connect wallets, applications, payment flows, and approval systems through a unified card-first model. By combining self-custody with familiar payment experiences, NodeRails and WallCard make digital assets more accessible without compromising user ownership and control. WallCard is designed for people who want the benefits of crypto without the complexity of traditional wallet experiences. Whether you're managing assets, interacting with apps, or approving transactions, WallCard provides a simpler and more familiar way to stay in control.

You pay first and the seller disappears. Or you deliver first and the chat goes quiet. MoniRef ends that. The buyer’s money is held by our licensed payment partner and released to the seller only when the buyer confirms delivery. No foul play, on either side. Built for how Nigerians actually buy and sell online: Instagram and WhatsApp vendors, Facebook Marketplace and Jiji deals, pay-on-delivery orders, freelancers and service providers who want to be paid before they start. FOR SELLERS Get paid upfront, then deliver. The money is committed before you ship, and it lands in your wallet the moment the buyer confirms. Create a payment request in a few taps, share the link anywhere, track every order in one place, withdraw to any Nigerian bank. FOR BUYERS Your money only moves when you say so. Pay by bank transfer to a dedicated account, not the seller’s account. If delivery is never confirmed, you get your money back. No account needed to pay a request. HOW IT WORKS 1. The seller creates a request and shares the link. 2. The buyer pays by transfer. The money is held by our licensed payment partner. 3. The buyer confirms delivery and shares a release code. 4. The seller enters the code and the money is released. PRICING No fee to create a request. No monthly fee. A withdrawal fee from ₦150 applies when you cash out and reduces as amounts grow. You see the fee before you confirm. VERIFICATION Every seller completes identity verification (KYC) before collecting payments. Paying a request does not require verification. ELIGIBILITY Nigeria only. You must be 18 or older. Transactions are in Nigerian Naira. DELETING YOUR ACCOUNT Account tab, then Delete account. It takes effect immediately. If you cannot sign in, request it at moniref.com/delete-account. Some records are retained after closure where Nigerian law requires, as set out in our Privacy Policy.