STB Superapp vs BatuaY

SpendTheBits is a self-custody crypto wallet for stablecoins and 13 chains: USDC, USDT, Bitcoin, Lightning, Ethereum, Solana, XRP, TRON and more. Earn yield on idle stablecoins, send, bridge, and get paid by AI agents — your keys never leave your phone. YOUR KEYS, YOUR CRYPTO • Fully self-custody: the seed phrase and private keys are generated and stored only in your phone's secure keychain — never on our servers • One recovery phrase for BTC, LTC, ETH, Base, Linea, BNB, POL, AVAX, SOL, XRP, TRX, FLR and SUI, plus USDC and USDT across chains • Bitcoin over Lightning: instant, low-fee payments from a node on your phone • Restore into any compatible wallet, any time — no lock-in EARN ON IDLE STABLECOINS • Put idle USDC to work in vetted on-chain vaults held by your own keys • A 0–100 Yield Safety Score routes deposits and a Treasury Auto-Defense circuit breaker can exit to liquid USDC on a safety breach • Observed yield, not projections; sends unwind just what you need, just in time PAY, AUTOPAY & STREAM • Send instantly to addresses or @handles • Recurring autopay from one signature — a revocable allowance, never an escrow • Stream salary, rent or vesting per second; claim whenever you like • Bridge USDC between chains with Circle CCTP GET PAID BY AI AGENTS • Your @handle doubles as an x402-payable endpoint: agents pay USDC over HTTP 402 straight to addresses only you control • Pay any x402 API from your wallet by pasting or scanning its URL SPEND • Buy gift cards from popular brands by paying in any crypto PROTECT & RECOVER • Recipient risk-screening and an anti-swap broadcast firewall • Scam-token quarantine: unverified airdrops never count as real funds • Spending guardrails: caps, allowlists, quiet hours, one-tap freeze • Clear-signing — see exactly what you approve • Social recovery via guardians and an inheritance flow NON-CUSTODIAL BY DESIGN No exchange, no order book, no fiat ramp: SpendTheBits is a wallet. Even the AI Copilot is prepare-only — it proposes, your device disposes. Crypto is volatile and involves risk. SpendTheBits is a non-custodial wallet; you are responsible for safeguarding your recovery phrase.

Your money, in one app. Hold USDC, USDT, OUSD and Bitcoin in a wallet only you control. Send money to anyone by username for free, get paid with your own QR code and link, earn on your USDC, and buy or sell Bitcoin by card. SEND AND GET PAID • Send to anyone by their @username or a wallet address, in seconds • Sends are free, and we cover the network fees on stablecoins • Get paid with your own QR code and payment link, even by people who don't use BatuaY • Add your QR code to Apple Wallet and show it anywhere • Deposit from any exchange or wallet app BITCOIN • Hold, send and receive Bitcoin in the same wallet • Pay and get paid instantly with Lightning • Get your own Bitcoin address for deposits from any exchange • Buy and sell Bitcoin by card through our licensed payment partner EARN • Earn on your USDC, upto 6% a year today • Add or withdraw any time, with no lock up • Watch your earnings grow every day SWITCH COINS • Convert between USDC, USDT and OUSD in a tap, where available TOP UP • Add funds with Apple Pay, Visa or Mastercard SECURE BY DESIGN • Your wallet is self custody: only you can move your money • Every payment is approved with Face ID and your passkey • BatuaY never holds your keys FOR BUSINESSES • Pay suppliers' bank accounts in 100+ countries by SEPA, Faster Payments, ACH and SWIFT • Send invoices with a pay link and keep track of bills • Scan a bill and let AI read it for you • Team accounts with roles and approvals Earn rates are variable and change over time. Bitcoin's price can rise and fall. Bitcoin network fees are paid by you and shown before you approve. Features and coins depend on where you live. BatuaY is operated by GridChain Technology Inc.