https://blipply.com/assets/Compare-CtYo0cg3.js

1import{u as k,r as b,_ as S,e as i,j as e,B as y}from"./index-BiYzqyXr.js";import{S as N}from"./SEOHead-Cpn4d8LY.js";const m={eyebrow:"Independent research",title:"True cost comparison: financial products in 2026",intro:"All comparisons include stated fees and hidden FX spread above mid-market rate. True total cost = stated fee + FX spread + receiving and intermediary fees. Data sourced from provider pricing pages, World Bank, and the Federal Reserve.",authorLine:"By Andreas Lalangas, Founder, Blipply AB · Last updated June 2026",disclaimer:"This page contains independent research produced by Blipply AB. All competitor data is sourced from publicly available pricing pages and third-party research. Fees are subject to change. This is not financial advice. Blipply AB is a registered company in Sweden (org.nr 559450-5306), Karlavägen 57, 114 49 Stockholm."},x={methodology:"Methodology",cta:"Get started free",ctaHeading:"See the difference for yourself",ctaSubtitle:"Open a self-owned digital dollar wallet in minutes. No setup fees, no monthly fees.",home:"Home",breadcrumb:"Comparison",seoTitle:"Blipply vs PayPal, Wise, banks & crypto exchanges — true cost comparison",seoDescription:"An independent 2026 comparison of the true cost of remittances, agency payments, digital dollar wallets, self-custody and crypto exchanges — Blipply vs PayPal, Wise, Western Union, banks, Coinbase, Binance and more."},f={header:"How Blipply pricing works: one on-ramp cost, then free",step1Label:"Pay once to load funds",step1Detail:`SEPA: €1.50 flat + 1% (~1.3% all-in)
2Card: 2.99% flat
3Mobile money: corridor rate`,step3Label:"Visa card or cash out",step3Detail:`Visa card at 130M+ merchants: free
4Off-ramp to local currency: corridor rate
5No monthly fee, no minimum balance`,footer:"Key insight: every other service charges per transaction, on every transaction. Blipply charges once to load, then the internal network is free. For any user who sends, receives, or pays frequently, total cost over time is significantly lower.",step1Tag:"1. On-ramp",step2Tag:"2. Inside the wallet",step3Tag:"3. Spend or off-ramp"},h=JSON.parse(`[{"id":"remittance","label":"Remittance","blocks":[{"type":"methodology","text":"True total cost = stated transfer fee + FX spread above mid-market rate + receiving/intermediary fees. FX spread is calculated as (mid-market rate minus provider rate) × amount sent. Blipply on-ramp rates: SEPA €1.50 flat + 1% (verified rate card, Q1 CY26); card 2.99% flat. Recipient holds and spends digital dollars directly via Visa card — no off-ramp or cash-out required. All competitor figures verified against provider pricing pages and World Bank Remittance Prices data, June 2026."},{"type":"onramp","step2Label":"Zero cost, forever","step2Detail":"Send to any Blipply wallet globally: free\\nSolana gas fee: <$0.001 per transaction\\nHold digital dollars: free"},{"type":"section","title":"True cost: sending €500 from Europe to Nigeria","subtitle":"SEPA sender (EU/Sweden). Recipient holds digital dollars, spends via Visa card."},{"type":"table","cols":[{"label":"Provider","w":"22%"},{"label":"Send method","w":"16%"},{"label":"Stated fee","w":"14%"},{"label":"FX spread","w":"13%"},{"label":"Intermediary fees","w":"13%"},{"label":"True total cost","w":"12%"},{"label":"% of €500","w":"10%"}],"rows":[["Blipply","SEPA","€1.50 + 1% = €6.50",{"text":"0%","tone":"green"},{"text":"None","tone":"green"},{"text":"~€6.50","tone":"green"},{"text":"~1.3%","tone":"green"}],["Blipply","Card","2.99% = €14.95",{"text":"0%","tone":"green"},{"text":"None","tone":"green"},"~€14.95","~3.0%"],["PayPal / Xoom","Card / balance","€2.99 stated","3–4%","€0–5",{"text":"~€21–28","tone":"red"},{"text":"~4.2–5.6%","tone":"red"}],["Traditional bank wire","SWIFT","€15–30 flat","1.5–3.5%","€10–25",{"text":"~€33–78","tone":"red"},{"text":"~6.6–15.6%","tone":"red"}],["Western Union","Card / bank","€3.99–9.99","2–3%","€0",{"text":"~€14–25","tone":"red"},{"text":"~2.8–5%","tone":"red"}],["Remitly (Economy)","Bank transfer","€0–2.99","1.5–2.5%","€0","~€7.50–15","~1.5–3%"],["Wise","SEPA","€1.50–4.59","0%","€0","~€1.50–4.59","~0.3–0.9%"]],"note":"Blippl

5y SEPA: €1.50 flat + 1%. At €500 = €6.50 (~1.3%). At €10,000 = €101.50 (~1.0%). Wise has the lowest stated fee but requires a bank account on both sides and does not support digital dollar holding. Sources: Consumer Reports May 2026, World Bank Remittance Prices Q1 2026."},{"type":"section","title":"True cost: sending €500 to Kenya (SEPA sender)","subtitle":"Recipient holds digital dollars, spends via Visa card or off-ramps to KES."},{"type":"table","cols":[{"label":"Provider","w":"22%"},{"label":"Send method","w":"15%"},{"label":"Stated fee","w":"14%"},{"label":"FX spread","w":"12%"},{"label":"Mobile money?","w":"15%"},{"label":"True total cost","w":"12%"},{"label":"% of €500","w":"10%"}],"rows":[["Blipply","SEPA","€6.50",{"text":"0%","tone":"green"},{"text":"Yes (Visa card)","badge":"success"},{"text":"~€6.50","tone":"green"},{"text":"~1.3%","tone":"green"}],["PayPal","Card / balance","€4.99 cap + 5%","3–4%",{"text":"No","badge":"danger"},{"text":"~€30–45","tone":"red"},{"text":"~6–9%","tone":"red"}],["Western Union","Card / bank","€2.99–7.99","1.5–2.5%",{"text":"Yes","badge":"success"},"~€10–20","~2–4%"],["Wise","SEPA","€1.50–3.00","0%",{"text":"Bank only","badge":"neutral"},"~€1.50–3.00","~0.3–0.6%"],["Traditional bank wire","SWIFT","€15–30","2.5–4%",{"text":"No","badge":"danger"},{"text":"~€40–80","tone":"red"},{"text":"~8–16%","tone":"red"}]],"note":"Mobile money support means recipient can receive directly without a bank account. Blipply recipient holds digital dollars in a self-owned wallet, spendable globally via Visa card."},{"type":"section","title":"True cost: sending €500 to Argentina (SEPA sender)","subtitle":"Currency controls make fiat remittances structurally expensive."},{"type":"table","cols":[{"label":"Provider","w":"20%"},{"label":"Stated fee","w":"14%"},{"label":"FX spread / rate","w":"24%"},{"label":"ARS delivery","w":"16%"},{"label":"True total cost","w":"26%"}],"rows":[["Blipply","~€6.50 (SEPA)",{"text":"0% — dollar-denominated, no FX conversion","tone":"green"},{"text":"Holds USD, spends globally","badge":"info"},{"text":"~€6.50 (~1.3%). No ARS conversion loss.","tone":"green"}],["PayPal","€4.99 + 5%","Official rate (40–60% below blue rate)",{"text":"ARS at official rate","badge":"danger"},{"text":"€30+ fee + 40–60% value loss","tone":"red"}],["Bank wire","€15–30","Official rate only",{"text":"ARS at official rate","badge":"danger"},{"text":"€40–80+ plus rate loss","tone":"red"}],["Western Union","€3.99–9.99","Blended / official rate",{"text":"Partial blue rate","badge":"neutral"},{"text":"Rate gap 20–40%+","tone":"red"}]],"note":"Providers converting at Argentina's official rate result in recipients receiving 40–60% less real purchasing power. Blipply recipients avoid ARS conversion entirely. Sources: BCRA official data, June 2026."},{"type":"section","title":"How Blipply SEPA cost scales with transfer amount"},{"type":"table","cols":[{"label":"Amount sent (EUR)","w":"18%"},{"label":"Blipply SEPA fee","w":"16%"},{"label":"Blipply %","w":"14%"},{"label":"PayPal equivalent","w":"18%"},{"label":"Bank wire equivalent","w":"18%"},{"label":"Saving vs PayPal","w":"16%"}],"rows":[["Blipply — €200","€3.50","1.75%","~€12–16","~€25–40",{"text":"~€9–13","tone":"green"}],["Blipply — €500","€6.50","1.30%","~€21–28","~€33–55",{"text":"~€15–22","tone":"green"}],["Blipply — €1,000","€11.50","1.15%","~€40–50","~€45–70",{"text":"~€29–39","tone":"green"}],["Blipply — €5,000","€51.50","1.03%","~€175–225","~€100–200",{"text":"~€120–175","tone":"green"}],["Blipply — €10,000","€101.50","1.02%","~€340–440","~€150–350",{"text":"~€240–340","tone":"green"}]],"note":"Blipply SEPA formula: €1.50 flat + 1%. At higher volumes the flat fee component becomes negligible, bringing the effective rate close to 1%."},{"type":"callout","text":"The World Bank estimates the global average cost of sending remittances at 6.5% of the amount transferred. Hidden FX spread accounts for 60–80% of the true total cost in traditional bank transfers, yet rarely appears as a visible line item. Blippl

5y's SEPA on-ramp at €1.50 + 1% has zero FX spread and zero intermediary fees — the stated fee is the total fee."},{"type":"section","title":"What 'true cost' means: cost components explained"},{"type":"table","cols":[{"label":"Cost component","w":"28%"},{"label":"Visible to sender?","w":"16%"},{"label":"Typical amount","w":"22%"},{"label":"Present in Blipply (SEPA)?","w":"34%"}],"rows":[["Transfer / service fee","Yes","€0–30 flat or 1–5%",{"text":"Yes — €1.50 + 1%. Only cost.","tone":"green"}],["FX spread above mid-market","Rarely","1–4% of amount",{"text":"No — USDC is USD-denominated. No FX.","tone":"green"}],["SWIFT intermediary bank fees","Never","€10–25 per hop",{"text":"No — not SWIFT","tone":"green"}],["Receiving bank fee (recipient pays)","Never","€5–20 flat",{"text":"No","tone":"green"}],["Currency control loss (e.g. ARS)","No","40–60% of value",{"text":"No — digital dollars held as-is","tone":"green"}],["Monthly account fee","Yes","€8–25/month",{"text":"No — free account","tone":"green"}],["Per-send fee after first send","Yes (on other platforms)","Charged every time",{"text":"No — wallet-to-wallet sends are free after on-ramp","tone":"green"}]]}]},{"id":"agency","label":"Agency & creator payments","blocks":[{"type":"methodology","text":"Costs compared from both paying party (agency/client) and receiving party (creator/contractor) perspective. Blipply rates: SEPA €1.50 flat + 1% (verified Q1 CY26 rate card); wallet-to-wallet transfer free (Solana gas less than $0.001). Case study reference: ODS Marketing AB, Stockholm — agency managing creator campaigns across Africa and Latin America. All competitor figures from provider pricing pages, June 2026."},{"type":"onramp","step2Label":"Pay creators — zero cost","step2Detail":"Wallet-to-wallet: free\\nInstant settlement globally\\nCreator receives digital dollars immediately"},{"type":"section","title":"Agency receiving €10,000 invoice from client (SEPA)","subtitle":"What actually arrives in the agency wallet after all fees"},{"type":"table","cols":[{"label":"Method","w":"22%"},{"label":"Receiving fee","w":"16%"},{"label":"FX spread","w":"13%"},{"label":"Net received on €10,000","w":"19%"},{"label":"Annual saving vs PayPal (€100K/year)","w":"30%"}],"rows":[["Blipply (SEPA)","€1.50 + 1% = €101.50",{"text":"0%","tone":"green"},{"text":"€9,898.50","tone":"green"},{"text":"~€2,290–3,190 saved vs PayPal","tone":"green"}],["PayPal (cross-border)","4.4% + €0.35","3–4%",{"text":"€9,174–9,234","tone":"red"},"Baseline"],["Wise (receiving EUR)","€0","0%","~€9,985–9,990","Beats Blipply on pure receive — no card"],["Traditional bank wire","€15–25 flat","—","€9,975–9,985","Similar — higher send cost, no card"],["Payoneer","3%","1.5–2%",{"text":"€9,500–9,550","tone":"red"},{"text":"€2,000–2,500 worse than Blipply","tone":"red"}]],"note":"ODS Marketing AB case study: switched from PayPal (3.41% all-in) to Blipply SEPA (~1.32% all-in). Estimated annual saving on €100K invoicing: ~€2,000+. Sources: ODS case study (Blipply, June 2026), provider pricing pages."},{"type":"section","title":"Agency paying creators (outbound from Blipply wallet)","subtitle":"Once funds are inside the Blipply ecosystem, creator payments cost nothing."},{"type":"table","cols":[{"label":"Payment method","w":"24%"},{"label":"Cost to agency","w":"16%"},{"label":"Cost to creator","w":"16%"},{"label":"Speed","w":"14%"},{"label":"Bank account needed?","w":"16%"},{"label":"Works in NG/KE/AR?","w":"14%"}],"rows":[["Blipply wallet-to-wallet",{"text":"Free","tone":"green"},{"text":"Free","tone":"green"},{"text":"Seconds","tone":"green"},{"text":"No","tone":"green"},{"text":"Yes","tone":"green"}],["PayPal cross-border","2–3.5%","FX spread on withdrawal","1–3 days","No (PayPal account)","Partial"],["Bank wire per creator","€15–25 each","€5–15 receiving","2–5 days","Yes — both sides","Bank account required"],["Wise batch payment","0.35–1.5%","€0 receiving","Same day–2 days","Yes — creator needs bank","Bank account required"],["Western Union","2–5%","FX spread on payout","Minutes–2 days","No (cash pickup)","Yes"]],"note":"Blippl

5y wallet-to-wallet transfers settle on Solana. Gas fee is less than $0.001 per transaction. Creator receives digital dollars instantly in a self-owned wallet, spendable via Visa card anywhere globally."},{"type":"section","title":"Annual cost: agency invoicing €100,000, paying 20 creators/month at €500 each","subtitle":"Full-year fee impact across inbound and outbound flows"},{"type":"table","cols":[{"label":"Method","w":"22%"},{"label":"Annual inbound fee","w":"20%"},{"label":"Annual outbound fee (20 × €500 × 12)","w":"22%"},{"label":"Total annual cost","w":"16%"},{"label":"Annual saving vs PayPal","w":"20%"}],"rows":[["Blipply (SEPA in, wallet-out)","~€1,220 (~1.32%)",{"text":"€0","tone":"green"},{"text":"~€1,220","tone":"green"},{"text":"~€3,500–5,300 saved","tone":"green"}],["PayPal (all cross-border)",{"text":"~€4,400 (~4.4%)","tone":"red"},{"text":"~€360–2,100","tone":"red"},{"text":"~€4,760–6,500","tone":"red"},"Baseline"],["Wise","€0 (free receiving)","~€360–900","~€360–900","Beats Blipply if creators have bank accounts"],["Bank wire (all)",{"text":"~€1,500","tone":"red"},{"text":"~€3,600–6,000","tone":"red"},{"text":"~€5,100–7,500","tone":"red"},{"text":"~€4,000–6,000 worse","tone":"red"}],["Payoneer",{"text":"~€3,000–3,500","tone":"red"},{"text":"~€1,200–1,800","tone":"red"},{"text":"~€4,200–5,300","tone":"red"},{"text":"~€3,000–4,000 worse","tone":"red"}]],"note":"Blipply outbound cost is €0 because creator payouts go wallet-to-wallet within the Blipply ecosystem. Wise is competitive for agencies whose creators all have bank accounts. For agencies paying creators in Nigeria, Kenya, Argentina or Brazil where bank access is limited, Blipply is the only viable zero-cost outbound option."},{"type":"section","title":"Creator perspective: receiving €500 payment from agency","subtitle":"What the creator actually receives and can spend"},{"type":"table","cols":[{"label":"Method","w":"20%"},{"label":"Net received on €500","w":"16%"},{"label":"Access speed","w":"13%"},{"label":"Spend globally?","w":"16%"},{"label":"Bank account needed?","w":"16%"},{"label":"Annual loss on €24K income","w":"19%"}],"rows":[["Blipply wallet",{"text":"~€500 (free receive)","tone":"green"},{"text":"Seconds","tone":"green"},{"text":"Yes — Visa card","badge":"success"},{"text":"No","tone":"green"},{"text":"€0","tone":"green"}],["PayPal cross-border",{"text":"~€456–465","tone":"red"},"1–5 days",{"text":"Yes","badge":"success"},"No (PayPal account)",{"text":"~€840–1,056/year","tone":"red"}],["Wise","~€499","1–2 days",{"text":"Separate card needed","badge":"neutral"},"Yes","~€12–24/year"],["Bank wire",{"text":"~€475–485","tone":"red"},"2–5 days","Yes (bank card)","Yes",{"text":"~€360–600/year","tone":"red"}],["Payoneer",{"text":"~€482–490","tone":"red"},"2–3 days",{"text":"Partial","badge":"neutral"},"Yes",{"text":"~€240–432/year","tone":"red"}]],"note":"Blipply creator receives digital dollars into a self-owned wallet. Funds are immediately spendable via Visa card at 130M+ merchant locations globally, online or in-store. No bank account required on either side of the transaction."},{"type":"callout","text":"ODS Marketing AB case study: by switching invoice receipt from PayPal (3.41% all-in) to Blipply via SEPA (~1.32% all-in), and routing creator payments through Blipply wallet-to-wallet (free), the agency reduced payment costs by over 60%. On €100K annual invoicing, estimated annual saving exceeds €2,000 — before counting outbound creator payment savings."}]},{"id":"wallet-vs-bank","label":"Digital dollar wallet vs bank","blocks":[{"type":"methodology","text":"Comparison based on a typical individual holding €2,000 and making 2 international sends of €500/month. Bank fee figures from US Federal Reserve 2026 fee schedule, ECB payment statistics, and provider pricing pages. Digital dollar wallet = self-owned USDC wallet with internationally issued Visa card."},{"type":"onramp","step2Label":"Zero cost, forever","step2Detail":"Send to any Blipply wallet globally: free\\nSolana gas fee: <$0.001 per transaction\\nHold digital dollars: free"},{"type":"section","title":"Monthly cost: holding €2,000 and sending €500 internationally twice per month"},{"type":"table","cols":[{"label":"Fee category","w":"30%"}

5,{"label":"Blipply digital dollar wallet","w":"23%"},{"label":"EU retail bank (typical)","w":"24%"},{"label":"US retail bank (typical)","w":"23%"}],"rows":[["Monthly account fee",{"text":"€0","tone":"green"},"€8–20","$12–25"],["Minimum balance requirement",{"text":"None","tone":"green"},"€500–2,000","$500–1,500"],["International transfer fee","SEPA: €1.50 + 1%","€15–30 SWIFT","$25–50 wire"],["FX spread on transfer",{"text":"0% (USDC — no FX)","tone":"green"},"1.5–3.5%","2.5–4%"],["SWIFT intermediary fees",{"text":"None","tone":"green"},"€10–25 per send","$15–35 per send"],["Card foreign transaction fee",{"text":"0%","tone":"green"},"1.5–3%","1–3%"],["Wallet-to-wallet send fee",{"text":"Free (gas less than €0.001)","tone":"green"},"N/A","N/A"],["Account freeze / suspension risk",{"text":"None — self-owned","tone":"green"},"Yes — regulatory","Yes — regulatory"],["True monthly cost (2 × €500 sends)",{"text":"~€13","tone":"green"},{"text":"~€60–130","tone":"red"},{"text":"~€95–160","tone":"red"}]],"note":"Blipply: €6.50 per send × 2 = €13/month total. Fedwire base price: $0.97 (Federal Reserve 2026 fee schedule) — retail markup to $25–50 is entirely bank margin."},{"type":"section","title":"Structural comparison"},{"type":"table","cols":[{"label":"Dimension","w":"28%"},{"label":"Blipply digital dollar wallet","w":"24%"},{"label":"Traditional bank","w":"24%"},{"label":"Digital bank (e.g. Revolut, N26)","w":"24%"}],"rows":[["Who owns the funds",{"text":"You — always","tone":"green"},"Bank holds on your behalf","Platform holds on your behalf"],["Can funds be frozen",{"text":"No — self-custody architecture","tone":"green"},"Yes — regulatory or policy","Yes — terms of service"],["Currency held","USDC (pegged to USD)","Local fiat","Multi-currency fiat"],["Inflation protection",{"text":"USD-denominated","tone":"green"},"Local currency inflation risk","Partial"],["Works without bank account",{"text":"Yes","tone":"green"},"Is a bank account","Requires ID"],["International send fee (SEPA)","€1.50 + 1%","€15–30","€0.5–3% (within plan limits)"],["Wallet-to-wallet send globally",{"text":"Free, instant, always","tone":"green"},"N/A","App-to-app only (same platform)"],["Merchant payment card",{"text":"Yes — Visa, 130M+ locations","tone":"green"},"Yes","Yes"],["Crypto / digital assets",{"text":"Yes — self-owned, no custody transfer","tone":"green"},"No","Custodial (Revolut)"],["Monthly fee",{"text":"€0","tone":"green"},"€8–20","€0–55"]]},{"type":"section","title":"The hidden cost of a 'free' bank account","subtitle":"Infrastructure cost vs retail price on standard services"},{"type":"table","cols":[{"label":"Service","w":"30%"},{"label":"What the bank charges (retail)","w":"23%"},{"label":"Actual infrastructure cost","w":"27%"},{"label":"Bank margin","w":"20%"}],"rows":[["Outgoing international wire (US)","$25–50 flat","$0.97 (Fedwire base, Federal Reserve 2026)",{"text":"~$24–49 per wire","tone":"red"}],["FX conversion","2.5–4% above mid-market","~0.1–0.3% interbank spread",{"text":"~2.2–3.7%","tone":"red"}],["Monthly account maintenance","$12–25/month","~$1–3 actual IT cost",{"text":"~$10–22/month","tone":"red"}],["Receiving wire","$15–25","$0 (SWIFT message)",{"text":"~$15–25 pure margin","tone":"red"}],["Blipply SEPA on-ramp","€1.50 + 1%","Partner processing cost","30% Blipply markup on partner net fee"],["Blipply wallet-to-wallet send",{"text":"Free","tone":"green"},"Less than €0.001 (Solana gas)",{"text":"No margin charged","tone":"green"}]],"note":"Fedwire base price: $0.97 per transfer (Federal Reserve 2026 published fee schedule). Sources: Federal Reserve 2026, Airwallex international wire fee analysis April 2026."},{"type":"callout","text":"The Federal Reserve's 2026 fee schedule shows the wholesale Fedwire price starts at $0.97 per transfer. The standard retail charge to consumers is $25–50. The difference is entirely margin. A digital dollar wallet built on Solana has a marginal transfer cost of less than $0.001 — wallet-to-wallet sends are free, and SEPA on-ramp is the only fee the user ever pays."}]},{"id":"custody","label":"Self-owned vs platform-held","blocks":[{"type":"methodology","text":"Comparison of self

5-owned wallet architecture vs platform-held custody. Data sourced from documented platform incidents, regulatory filings, and published architectural documentation. Last updated June 2026."},{"type":"section","title":"Core architectural comparison"},{"type":"table","cols":[{"label":"Dimension","w":"28%"},{"label":"Self-owned wallet (Blipply)","w":"24%"},{"label":"Custodial platform (exchange / neobank)","w":"24%"},{"label":"Traditional bank","w":"24%"}],"rows":[["Who owns the assets",{"text":"You — fully","tone":"green"},{"text":"Platform — you only hold a claim","tone":"red"},{"text":"Bank — you only hold a claim","tone":"red"}],["Who holds the private keys",{"text":"You — always","tone":"green"},"Platform holds your keys","Bank holds your account"],["Can platform freeze your funds",{"text":"No — architecturally impossible","tone":"green"},{"text":"Yes — documented frequently","tone":"red"},{"text":"Yes — legal requirement","tone":"red"}],["Can platform lose your funds",{"text":"No — assets on blockchain","tone":"green"},{"text":"Yes — insolvency risk (FTX)","tone":"red"},"Insured up to €100K EU / $250K US"],["Survives platform bankruptcy",{"text":"Yes — on-chain, not on balance sheet","tone":"green"},{"text":"No — FTX: $8B lost (2022)","tone":"red"},"Partial — deposit insurance limit"],["Requires bank approval",{"text":"No","tone":"green"},"Varies","Yes"],["Transaction requires platform approval",{"text":"No","tone":"green"},"Yes","Yes"],["Accessible 24/7/365",{"text":"Yes — blockchain has no hours","tone":"green"},"Usually — outages documented","Banking hours / ATM limits"],["Government asset seizure","Wallet exists — access requires your key",{"text":"Yes — served to platform","tone":"red"},{"text":"Yes — standard legal process","tone":"red"}],["Peer-to-peer without intermediary",{"text":"Yes — instant, free globally","tone":"green"},"Within platform only","Via bank rails — fees apply"]]},{"type":"section","title":"Security comparison"},{"type":"table","cols":[{"label":"Security dimension","w":"30%"},{"label":"Self-owned wallet","w":"23%"},{"label":"Custodial exchange","w":"23%"},{"label":"Traditional bank","w":"24%"}],"rows":[["Primary attack surface",{"text":"Individual device / key only","tone":"green"},{"text":"Centralised honeypot (billions held)","tone":"red"},{"text":"Central system (billions held)","tone":"red"}],["Breach impact if platform hacked",{"text":"Only your own assets","tone":"green"},{"text":"All users on platform","tone":"red"},{"text":"All customers","tone":"red"}],["Largest documented breach",{"text":"N/A (no central target)","tone":"green"},{"text":"FTX: $8B customer funds (2022)","tone":"red"},"SWIFT hacks: $1B+ (2016–2020)"],["Transaction transparency",{"text":"On-chain — publicly verifiable","tone":"green"},"Proof-of-reserves (selective)","Regulated audit (not public)"],["Hardware key support",{"text":"Yes — hardware wallet compatible","tone":"green"},"Yes — but platform still holds keys","Yes — but bank still holds funds"]],"note":"FTX Chapter 11 filing, November 2022. SWIFT payment fraud statistics 2016–2020. Chainalysis Crypto Crime Report 2025."},{"type":"section","title":"Speed and access"},{"type":"table","cols":[{"label":"Action","w":"30%"},{"label":"Self-owned wallet (Blipply)","w":"23%"},{"label":"Custodial exchange","w":"23%"},{"label":"Traditional bank","w":"24%"}],"rows":[["Send funds internationally",{"text":"Seconds (Solana ~400ms finality)","tone":"green"},"Minutes–hours (platform queue)","2–5 days (SWIFT)"],["Send peer-to-peer",{"text":"Free, instant, always","tone":"green"},"App-to-app (same platform only)","€15–30 wire or 1–3 day ACH"],["Access on weekend / holiday",{"text":"Always","tone":"green"},"Usually — outages documented","ATM limited / no wire processing"],["Spend at merchants",{"text":"Visa card — 130M+ locations","tone":"green"},"Exchange card (select platforms)","Debit / credit card"],["Receive salary / payment",{"text":"Direct to wallet — instant, free","tone":"green"},"Platform account — fees apply","Bank account — standard rails"]]},{"type":"section","title":"Documented platform custody incidents"},{"type":"table","cols":[{"label":"Platform","w":"15%"},{"label":"Year","w":"8%"},{"label":"Incident","w":"45%"},{"label":"User impact","w":"32%"}],"rows":[["FTX","2022","Insolvency — customer funds used as collateral without consent",{"text":"$8B in customer funds lost","tone":"red"}],["Celsius","2022","Bankruptcy — froze all withdrawals before collapse",{"text":"1.7M users lost access","tone":"red"}

5],["Revolut","2023–25","Account freezes for compliance review, sometimes weeks-long, no advance notice","Funds inaccessible during review"],["PayPal","2022","Policy update allowing $2,500 fines for policy violations (reversed after backlash)","Accounts at risk of balance deductions"],["Argentine banks","2001","Corralito — government froze all bank accounts to prevent capital flight",{"text":"Entire population lost savings access","tone":"red"}],["Nigerian banks","2023","CBN naira redesign caused 6+ weeks of ATM and transfer disruption",{"text":"Cash and transfer access disrupted nationwide","tone":"red"}]],"note":"Sources: FTX Chapter 11 filing (2022), Celsius Network bankruptcy filing (2022), Reuters, BBC, CBN official communications."},{"type":"callout","text":"In a self-owned wallet, the platform cannot freeze your funds because it never held them. Your assets exist on a public blockchain, accessible only with your private key. No bankruptcy filing, government order, policy change, or compliance review can intercept them. This is an architectural property — not a policy promise that can be changed in the terms of service."}]},{"id":"crypto","label":"Crypto & exchange","blocks":[{"type":"methodology","text":"All-in cost includes trading fee, spread, and any withdrawal or conversion fee required to access funds. Blipply uses Li.Fi decentralised swap aggregation — Blipply fee 0%; Li.Fi protocol spread ~0.3%. Wallet-to-wallet transfers: free (Solana gas less than $0.001). Feature data from published exchange documentation. Fee data from exchange pricing pages and independent research, June 2026. Staking yield ranges are variable and network-dependent."},{"type":"onramp","step2Label":"Buy / hold / send crypto","step2Detail":"Buy crypto: ~0.3% (Li.Fi protocol only)\\nHold: free — self-owned\\nSend to any Blipply wallet: free"},{"type":"section","title":"Master feature comparison: Blipply vs global exchanges","subtitle":"The exchanges with the most users in the world — and what each can and cannot do"},{"type":"table","cols":[{"label":"Feature","w":"26%"},{"label":"Blipply","w":"15%"},{"label":"Coinbase","w":"15%"},{"label":"Binance","w":"14%"},{"label":"Crypto.com","w":"15%"},{"label":"Kraken","w":"15%"}],"rows":[["You own the wallet (self-custody)",{"text":"Yes — always","badge":"success"},{"text":"No","badge":"danger"},{"text":"No","badge":"danger"},{"text":"No","badge":"danger"},{"text":"No","badge":"danger"}],["Platform can freeze funds",{"text":"No — impossible","badge":"success"},{"text":"Yes","badge":"danger"},{"text":"Yes","badge":"danger"},{"text":"Yes","badge":"danger"},{"text":"Yes","badge":"danger"}],["Auto swap with auto wallet creation",{"text":"Yes","badge":"success"},{"text":"No","badge":"danger"},{"text":"No","badge":"danger"},{"text":"No","badge":"danger"},{"text":"No","badge":"danger"}],["Connect external wallet (MetaMask etc.)",{"text":"Yes","badge":"success"},{"text":"No","badge":"danger"},{"text":"No","badge":"danger"},{"text":"No","badge":"danger"},{"text":"No","badge":"danger"}],["Native on-ramp (deposit fiat)",{"text":"Yes","badge":"success"},{"text":"Yes","badge":"success"},{"text":"Yes","badge":"success"},{"text":"Yes","badge":"success"},{"text":"Yes","badge":"success"}],["Native off-ramp (withdraw to fiat)",{"text":"Yes","badge":"success"},{"text":"Yes","badge":"success"},{"text":"Yes","badge":"success"},{"text":"Yes","badge":"success"},{"text":"Yes","badge":"success"}],["Visa card for daily spending",{"text":"Yes — free, no staking","badge":"success"},{"text":"Yes — custodial","badge":"success"},{"text":"Partial markets","badge":"neutral"},{"text":"Requires CRO stake","badge":"danger"},{"text":"No card","badge":"danger"}],["Wallet-to-wallet send: free",{"text":"Yes — globally, instant","badge":"success"},{"text":"No — fees apply","badge":"danger"},{"text":"No — fees apply","badge":"danger"},{"text":"No — fees apply","badge":"danger"},{"text":"No — fees apply","badge":"danger"}],["Staking / yield on holdings",{"text":"Yes (Aave/Morpho)","badge":"success"},{"text":"Yes — auto","badge":"success"},{"text":"Yes — 300+ assets","badge":"success"},{"text":"Yes","badge":"success"},{"text":"Yes — 500+ assets","badge":"success"}],["Available in Nigeria",{"text":"Yes","badge":"success"},{"text":"No (restricted)","badge":"danger"},{"text":"Yes","badge":"success"},{"text":"Limited","badge":"neutral"},{"text":"No","badge":"danger"}],["Available in Kenya",{"text":"Yes","badge":"success"},{"text":"No (restricted)","badge":"danger"},{"text":"Yes","badge":"success"},{"text":"Limited","badge":"neutral"},{"text":"No","badge":"danger"}],["Merchant POS / invoicing",{"text":"Yes — full suite","badge":"success"},{"text":"No","badge":"danger"},{"text":"No","badge":"danger"},{"text":"No","badge":"danger"},{"text":"No","badge":"danger"}],["Salary / payroll in digital dollars",{"text":"Yes","badge":"success"},{"text":"No","badge":"danger"},{"text":"No","badge":"danger"},{"text":"No","badge":"danger"},{"text":"No","badge":"danger"}],["No monthly fee",{"text":"Yes","badge":"success"},{"text":"Yes","badge":"success"},{"text":"Yes","badge":"success"},{"text":"Yes","badge":"success"},{"text":"Yes","badge":"success"}

5],["Cryptos supported","Solana + Li.Fi swaps","~341","~400","~350+","~500+"],["Estimated users","Growing — 2026 launch","~100M","~200M","~80M","~10M+"]],"note":"Coinbase and Kraken availability in Nigeria/Kenya based on documented geo-restrictions as of 2026. Binance availability subject to ongoing regulatory review. Sources: exchange support pages, Coin Bureau February 2026, June 2026."},{"type":"divider"},{"type":"section","title":"Buying crypto: all-in cost on €500 purchase","subtitle":"Standard instant-buy / easy-buy flow on each platform"},{"type":"table","cols":[{"label":"Platform","w":"19%"},{"label":"Custody type","w":"13%"},{"label":"Trading fee","w":"13%"},{"label":"Spread","w":"12%"},{"label":"All-in on €500","w":"14%"},{"label":"Self-owned wallet?","w":"14%"},{"label":"Daily spending card?","w":"15%"}],"rows":[["Blipply",{"text":"Self-owned","badge":"success"},{"text":"0%","tone":"green"},"~0.3% (Li.Fi)",{"text":"~€1.50","tone":"green"},{"text":"Yes — always","tone":"green"},{"text":"Yes — Visa, free","tone":"green"}],["Coinbase (Simple Buy)",{"text":"Custodial","badge":"danger"},"Up to 3.99%","0.5–1.5%",{"text":"~€22–27","tone":"red"},{"text":"No","tone":"red"},"Yes — custodial"],["Binance Convert",{"text":"Custodial","badge":"danger"},"~1.5%","Included","~€7–10",{"text":"No","tone":"red"},"Partial markets"],["Crypto.com (Instant)",{"text":"Custodial","badge":"danger"},"2.99%","~1%",{"text":"~€19–20","tone":"red"},{"text":"No","tone":"red"},"Requires CRO stake"],["Kraken (Instant Buy)",{"text":"Custodial","badge":"danger"},"1% + 1.5%","1.5%",{"text":"~€12–13","tone":"red"},{"text":"No","tone":"red"},"No card"],["Phantom (Solana)",{"text":"Self-owned","badge":"success"},"0.85% + DEX","0.2–0.5%","~€5–7",{"text":"Yes","tone":"green"},"No card"],["MetaMask",{"text":"Self-owned","badge":"success"},"0.875% + DEX","0.3–0.8%","~€6–8",{"text":"Yes","tone":"green"},"Limited (Mastercard)"]],"note":"Li.Fi protocol spread (~0.3%) is a decentralised protocol fee — not a Blipply fee. Coinbase Simple Buy: 1.49% (linked bank) to 3.99% (card). Crypto.com best rates require large CRO staking commitment. Sources: exchange pricing pages, June 2026."},{"type":"section","title":"Selling crypto: all-in cost on €500 sale","subtitle":"The hidden cost most users discover too late"},{"type":"table","cols":[{"label":"Platform","w":"18%"},{"label":"Sell/trade fee","w":"15%"},{"label":"Fiat withdrawal","w":"17%"},{"label":"Spread","w":"11%"},{"label":"Total on €500 sale","w":"19%"},{"label":"Where do proceeds go?","w":"20%"}],"rows":[["Blipply",{"text":"0% (Li.Fi)","tone":"green"},"Off-ramp fee only if cashing out",{"text":"~0.3%","tone":"green"},{"text":"~€1.50 to USDC (self-owned)","tone":"green"},{"text":"Your wallet — self-owned","tone":"green"}],["Coinbase Simple","Up to 3.99%",{"text":"€25 flat to bank","tone":"red"},"0.5–1.5%",{"text":"~€47–50","tone":"red"},{"text":"Platform account (custodial)","tone":"red"}],["Binance Convert","~1.5%","Free via bank","Included","~€7–10",{"text":"Platform account (custodial)","tone":"red"}],["Crypto.com","1–2%",{"text":"~€25 flat","tone":"red"},"~1%",{"text":"~€30–35","tone":"red"},{"text":"Platform account (custodial)","tone":"red"}],["Kraken Instant","1% + 1.5%","Varies by region","1.5%",{"text":"~€12–15","tone":"red"},{"text":"Platform account (custodial)","tone":"red"}]],"note":"Selling on exchanges has two hidden costs beyond the sell fee: a flat fiat withdrawal fee charged separately, and proceeds going to a platform-held account — not a wallet you own. Selling €500 on Coinbase and withdrawing to a bank costs ~€47–50 in fees alone. Sources: exchange pricing pages, Coin Bureau February 2026."},{"type":"divider"},{"type":"section","title":"Staking and yield: what each platform offers"},{"type":"table","cols":[{"label":"Platform","w":"18%"},{"label":"Staking available?","w":"14%"},{"label":"Assets supported","w":"18%"},{"label":"Typical APY range","w":"16%"},{"label":"Custody of staked assets","w":"18%"}

5,{"label":"Lock-up / conditions","w":"16%"}],"rows":[["Blipply",{"text":"Yes","badge":"success"},"USDC yield (Aave/Morpho via Fireblocks Earn)","~3–5% on USDC",{"text":"Self-owned — not transferred","tone":"green"},{"text":"Flexible — no lock-up","tone":"green"}],["Coinbase",{"text":"Yes — auto","badge":"success"},"ETH, SOL, ADA + majors (~341 total)","3–5.5% (variable)",{"text":"Custodial — platform holds","tone":"red"},"Unbonding periods apply"],["Binance",{"text":"Yes","badge":"success"},"300–400+ assets","2–15%+ (asset dependent)",{"text":"Custodial — platform holds","tone":"red"},"Flexible and locked options"],["Crypto.com",{"text":"Yes","badge":"success"},"350+ assets","2–12%+ (CRO dependent)",{"text":"Custodial — platform holds","tone":"red"},"Best rates require CRO stake"],["Kraken",{"text":"Yes","badge":"success"},"500+ assets, proof-of-reserves disclosed","3–7% on majors",{"text":"Custodial — platform holds","tone":"red"},"Unbonding periods by asset"]],"note":"Critical distinction: staking on exchanges is custodial — you do not control the validator keys and the platform holds your staked assets. Blipply yield via Aave/Morpho keeps assets in your self-owned wallet throughout. Sources: exchange staking pages, Kraken staking overview, 99Bitcoins May 2026."},{"type":"divider"},{"type":"section","title":"Visa card: spending crypto in daily life"},{"type":"table","cols":[{"label":"Platform","w":"18%"},{"label":"Card network","w":"13%"},{"label":"Spending fee","w":"13%"},{"label":"FX fee abroad","w":"13%"},{"label":"Self-owned wallet?","w":"18%"},{"label":"Monthly fee","w":"12%"},{"label":"Staking required?","w":"13%"}],"rows":[["Blipply","Visa",{"text":"0%","tone":"green"},{"text":"0%","tone":"green"},{"text":"Yes — always","tone":"green"},{"text":"€0","tone":"green"},{"text":"No","tone":"green"}],["Coinbase Card","Visa","0%","0%",{"text":"No — custodial","tone":"red"},"€0","No"],["Crypto.com","Visa","0% (top tier)","0% (top tier)",{"text":"No — custodial","tone":"red"},"€0",{"text":"Large CRO stake","tone":"red"}],["Binance Card","Visa","0%","0%",{"text":"No — custodial","tone":"red"},"€0","No"],["Kraken","No card","N/A","N/A","N/A","N/A","N/A"],["MetaMask Card","Mastercard","1%","1%",{"text":"Yes — self-owned","tone":"green"},"€0","No"]],"note":"Blipply card requires no staking, no minimum balance, no monthly fee. Funded directly from self-owned digital dollar wallet. Crypto.com best card rates require holding significant CRO tokens at all times."},{"type":"divider"},{"type":"section","title":"Full lifecycle cost: buy, hold, send, spend, sell"},{"type":"table","cols":[{"label":"Lifecycle stage","w":"20%"},{"label":"Blipply","w":"27%"},{"label":"Custodial exchange (typical)","w":"27%"},{"label":"Blipply advantage","w":"26%"}],"rows":[["Fund wallet (SEPA)","€1.50 + 1% — one-time","Fiat held by platform (no deposit fee)",{"text":"One-time cost. No recurring fee. You hold from day one.","tone":"green"}],["Buy crypto",{"text":"~0.3% (Li.Fi only)","tone":"green"},"1.5–5.5% per trade",{"text":"Up to 18× cheaper per trade","tone":"green"}],["Hold",{"text":"Free — wallet you own","tone":"green"},"Free — platform holds for you",{"text":"You own it. They cannot freeze it.","tone":"green"}],["Earn yield",{"text":"~3–5% — self-owned throughout","tone":"green"},"3–7% — custodial throughout",{"text":"Same yield range. You keep custody.","tone":"green"}],["Send to another person",{"text":"Free (gas less than €0.001)","tone":"green"},"€0–30 withdrawal + network fee",{"text":"Free vs up to €30 per send","tone":"green"}],["Spend at merchant",{"text":"Visa card — free, 130M+ locations","tone":"green"},"Rarely supported; fees if available",{"text":"130M+ locations, no fee, no staking needed","tone":"green"}],["Sell back to USDC",{"text":"~0.3% (Li.Fi only)","tone":"green"},"1–4% + €0–30 withdrawal",{"text":"Up to 13× cheaper","tone":"green"}],["Off-ramp to local currency","Corridor rate (partner fee)","Platform FX fee + withdrawal","Comparable — corridor dependent"]]}

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