Vapay vs Finami

VaPay — Simplified Global Payments VaPay is your all-in-one digital wallet for moving money across borders — combining traditional currency accounts with stablecoin-powered transfers so you can send, receive, and exchange money in seconds, not days. Whether you're supporting family abroad, paying a friend, or managing multiple currencies, VaPay puts USD, CAD, NGN, USDC, and USDT in a single, secure wallet — with the lowest fees in the market. SEND MONEY YOUR WAY Instant stablecoin transfers (USDC/USDT) — arrive in seconds, anywhere in the world, 24/7, for as little as 0.5% Zelle transfers in the US Interac e-Transfer in Canada Direct bank transfers to Nigerian accounts (NGN) Send to any VaPay user by username, or to any crypto wallet address RECEIVE MONEY EFFORTLESSLY Get paid via your @username, QR code, Interac, or NGN bank details Share a payment link with a custom amount — recipients can claim funds straight into their wallet, no account hassle ONE WALLET, MULTIPLE CURRENCIES Hold and manage USD, CAD, and NGN balances alongside your USDC and USDT stablecoin holdings Exchange between 30+ currencies with real-time rates and zero fees Buy stablecoins instantly using your wallet balance, bank transfer, or debit card BUILT FOR TRUST Bank-level encryption on every transaction Face ID / fingerprint login with secure PIN backup Identity verification (KYC) to keep your account and funds protected Full transaction history at your fingertips WHY VAPAY Reach 100+ countries with fast, low-fee transfers A true hybrid wallet — bridging everyday currency with the speed of stablecoins Clean, simple design that makes global payments feel local Download VaPay and experience money without borders.

Your money stays on your phone and nowhere else. Finami keeps your accounts, transactions and debts encrypted on the device itself, and only your PIN opens them. Log an expense in seconds, see what you actually have left, and reach the end of the month without surprises. WHAT YOU CAN DO • Record income and expenses with account, category and amount • See the combined balance of every account by week, month, half-year or year • Handle cash, bank and wallet accounts in several currencies, with conversion • Track debts and count every payment down until they are closed • Move money between your own accounts without double-counting it • Set reminders and get the alert before the due date • Organize your categories your way • Export an encrypted backup whenever you want ZERO-KNOWLEDGE ENCRYPTION The database on your phone is encrypted, and the key is derived from your PIN on the device itself, so it never leaves it. Neither the server nor we can read your finances. Unlock with Face ID or Touch ID if you prefer. When you create the vault you write down a twelve-word recovery phrase, and that phrase is the only thing that gets your data back if you forget the PIN. READ THIS BEFORE YOU INSTALL This first release works on your phone only. There is no sync between devices and no automatic cloud backup, so losing the phone means losing the data. That is what the encrypted export is for: you create it, and you keep it wherever you want. Do it every now and then. WHO IT IS FOR For anyone who wants to know where their money goes without handing the details of their financial life to someone else's server. No bank connection, no message access, no ads. English and Spanish, light and dark themes, and several currencies at once. Terms and conditions: www.finami.app/en/terms-conditions Privacy policy: www.finami.app/en/privacy-policy