Vauld vs. Layer3

YouHodler is a fintech company bridging the gap between traditional finance and crypto. We are dedicated to providing secure and innovative financial solutions to customers from over 100 countries Crypto loans enable you to use your digital currency as collateral for generating cash. You receive 90% of the value of 30+ of the most popular cryptocurrencies. You can start with $100 and earn money with immediate withdrawals at bank accounts or credit cards. You can borrow using USD, EUR, CHF, or GBP. YouHodler gives you the ability to exchange fiat or cryptocurrency. An application takes you through the conversion process to get your funds fast. YouHodler pays up to 20% annually with weekly payouts by turning crypto assets into a yield account. Yield is paid every week into your crypto wallet. Those who like to buy and hold cryptocurrency find this beneficial for increasing their income and total returns. YouHodler's Cloud Miner offers a simple, gamified way to earn real Bitcoin without using your device's computing power, allowing users to mine with ease and access rewards effortlessly.

Nexo stands out as a leading digital asset wealth platform, aimed at enabling clients to enhance, manage, and secure their cryptocurrency investments. Our goal is to spearhead the future of wealth creation by prioritizing customer success and offering customized solutions that foster lasting value, complemented by round-the-clock client support. Recognizing that wealth accumulation is not a universal approach, Nexo empowers you to decide the trajectory of your asset growth. Whether you prefer the freedom of flexibility or the assurance of higher fixed returns, your aspirations dictate your path. With our Flexible Savings, you can earn daily compounding interest on your crypto and stablecoins, enjoying the freedom to spend, trade, or withdraw at any time while receiving up to 14% annual interest. For those inclined towards a more stable investment, Fixed-term Savings can yield an impressive annual interest rate of up to 16%, catering to your long-term financial goals. At Nexo, we believe that your cryptocurrency should flourish in tandem with your ambitions. Furthermore, we are committed to helping you maximize the potential of your portfolio. Why liquidate your digital assets and forfeit potential gains when you can utilize them instead? With Nexo’s crypto Credit Line, you can access liquidity without parting with your coins, enhancing your purchasing power with interest rates starting as low as 2.9%. Take control of your financial future and build your wealth on your own terms with Nexo, where your goals shape your investment journey.

The Gemini Credit Card® allows you to earn cryptocurrency rewards immediately with each transaction, which are then credited straight to your Gemini account. With attractive reward rates like 4% on gas, 3% on dining, and 2% on groceries, it caters to individuals looking to grow their crypto portfolio through everyday expenses. There are no annual fees or charges for foreign transactions, and users can opt to receive their rewards in a selection of cryptocurrencies. Designed with security in mind, the card features no visible card number, providing reassurance while boasting a sophisticated and stylish appearance. Additionally, this card appeals to those who value both financial benefits and a sleek aesthetic in their payment methods.

Engage in the trading of well-known cryptocurrencies and explore expertly curated investment portfolios. Join a thriving community of over 30 million traders to enhance your trading experience. With access to more than 30 of the most sought-after coins, you can create a well-rounded investment strategy. We prioritize your security and offer robust protection measures to ensure your peace of mind. Enjoy a transparent trading experience with no hidden costs. To refine your trading abilities, a virtual portfolio worth $100,000 is available for practice. Through eToro’s innovative CopyTrader feature, you can easily replicate the trades of successful investors. Simply choose a trader you wish to follow, specify an investment amount, and hit copy to trade alongside them. The user-friendly interface allows for effortless management of your cryptocurrency holdings. Utilize charts and advanced analytical tools to stay updated on market trends for each coin. Enjoy seamless integration with the eToro wallet for convenient transactions. With a solid reputation built over a decade, eToro is a trusted name in the fintech sector. Your funds are safeguarded by leading security measures, giving you confidence in your investments. We will never disclose your private information without your permission, ensuring your privacy is maintained. Additionally, funds held at eToro USA are FDIC insured, providing further reassurance that your cash remains secure and protected.

Chime Workplace is an all-encompassing financial wellness platform aimed at helping employees manage their finances effectively, reducing stress levels, and promoting sustainable financial health. Offered at no cost to both employers and their staff, this platform provides: - Free access to earned wages - No-fee checking accounts equipped with overdraft protection - Automated savings features that yield high-interest returns - Resources for credit enhancement - Optional rewards and benefits from employee loyalty programs With its seamless payroll integration, real-time financial insights, and a secure framework, Chime Workplace not only boosts employee well-being but also enhances retention rates, engagement levels, and overall workplace productivity. This groundbreaking strategy for financial wellness empowers employees to seize control of their financial destinies, ultimately cultivating a more engaged and committed workforce. As a result, organizations can thrive as they prioritize the financial health of their employees.

Summ (formerly Crypto Tax Calculator) is leading crypto tax software that simplifies tracking and reporting across all your exchanges, wallets, NFTs, and DeFi activity. With support for over 3,500 integrations, Summ imports your full transaction history and automatically generates audit-ready reports built to align with IRS tax guidelines. Users can review trades, identify tax-saving opportunities, and download accountant-approved forms including 8949, 1040, capital gains summaries, and more. Unique spam filtering controls also help strip out junk tokens and fake outgoings so spam doesn’t corrupt gains and losses. Summ's portfolio helps you see everything together so you can pay the least tax possible and get accurate IRS-ready reports. That’s why Summ is seriously loved by users (rated 4.6 /5 stars on Trustpilot) and they’re an official tax partner of both MetaMask and Coinbase. If you’re ready to stop fighting your crypto tax software, Summ turns crypto chaos into confidence. Add clarity. Subtract doubt.

CoinStats stands out as a premier crypto portfolio management solution, boasting 1.2 million active users globally. It allows individuals to monitor their crypto, DeFi, and NFT holdings in real-time by integrating with over 300 wallets and exchanges. Additionally, the CoinStats DeFi wallet offers the capability to safely store, purchase, and exchange cryptocurrencies. With assets exceeding $100 million under management, CoinStats is dedicated to enabling users to effectively handle their portfolios through a user-friendly interface. You can view all your investments from a single dashboard, making it easier to enhance your approach to crypto investing. The platform is free, secure, and designed for simplicity. Become part of the community of satisfied users and take charge of your crypto assets with confidence today. By leveraging CoinStats, you can transform your investment experience and make informed decisions.

ND Wallet is a highly customizable, white-label crypto wallet solution designed for businesses eager to deploy their own secure, non-custodial wallet quickly and efficiently. It supports multiple major blockchains including Bitcoin, Ethereum, Solana, Polygon, and TRON, along with essential token standards such as ERC-20, TRC-20, and SPL, as well as NFTs, ensuring broad digital asset compatibility. Built using cutting-edge MPC technology and end-to-end encryption, ND Wallet guarantees full user control over private keys, enhancing security and privacy. Optional KYC/AML integration is available for businesses needing to comply with regulatory frameworks. The wallet is available on both iOS and Android platforms, featuring real-time transaction tracking and seamless Web3 login for enhanced usability. ND Wallet also offers an optional secure messenger that allows users to send crypto payments directly within chat conversations. Its extensive UI customization options enable businesses to create a branded experience tailored to their unique needs. This solution is ideal for startups, NFT marketplaces, DeFi projects, and enterprises looking for a fast-to-market wallet with deep blockchain integration. The white-label approach ensures companies can maintain their brand identity while offering top-tier security and functionality. ND Wallet simplifies wallet deployment, allowing businesses to focus on growth while providing users with a secure and feature-rich crypto experience.

CEX.IO, a licensed and versatile cryptocurrency exchange established in 2013, has set up offices across several countries, including the UK, US, Ukraine, Cyprus, and Gibraltar. With a global user base that surpasses 3 million, the platform guarantees reliable services by implementing cold storage for cryptocurrencies, maintaining strong financial health, employing advanced security protocols, and following KYC/AML regulations. It is noteworthy that CEX.IO was one of the early innovators to streamline fiat-to-crypto transactions, enabling users to make purchases with credit cards and bank transfers seamlessly. Currently, the exchange supports a broad spectrum of cryptocurrencies including Bitcoin, Bitcoin Cash, Ethereum, Ripple, Stellar, Litecoin, and Tron, which can be exchanged for fiat currencies such as USD, EUR, GBP, and RUB. Recognizing the necessity of user-friendly access, CEX.IO offers trading through its website and mobile apps for both iOS and Android, in addition to providing WebSocket and REST API functionalities, accommodating various preferences among users. This dedication to providing flexible trading solutions empowers clients to engage in transactions at their convenience, whether at home or on the go. Ultimately, CEX.IO continues to evolve and adapt its services to meet the dynamic needs of the cryptocurrency market.

ZenTreasury is an all-in-one cloud-based platform designed for modern finance teams who need full control over IFRS 16 lease accounting and treasury operations. Whether you manage a few dozen or several thousand contracts, ZenTreasury replaces manual spreadsheets with automation, compliance, and real-time visibility. Lease Accounting Capabilities: Full IFRS 16 compliance Automated classification, reassessment, and modifications Accurate journal entries and disclosure reports Multi-currency and multi-entity support Cost center allocations and optional asset-level tracking Role-based access control with detailed audit trails Rapid onboarding with an intuitive user experience Treasury Features: Centralized register for loans, guarantees, FX trades, and derivatives Cash flow forecasting and liquidity planning Treasury accounting entries Internal loan and interest rate management Simplified approvals and process workflows ZenTreasury supports seamless integration into your existing system landscape, helping you maintain accurate records and ensure financial transparency without the complexity of traditional ERP modules. The platform is hosted on enterprise-grade cloud infrastructure with strict security controls, supporting companies in regulated industries and high-growth environments. It is scalable, fast to implement, and backed by expert support. Trusted by enterprises worldwide, ZenTreasury is used across industries and regions by organizations looking to digitize financial operations, reduce compliance risk, and gain better insight into lease liabilities and financial instruments. Whether your priority is automating IFRS 16 reporting or improving treasury control, ZenTreasury delivers a complete solution to modernize your finance function with confidence.