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Today I present to the 2 Argentine Fintech who resist economic crises and compete within Latam against giants such as Binance. Lemon and Belo, are two digital wallets through which cryptocurrencies can be purchased, sell and store. Both present different characteristics, and in my personal experience, they are the two best wallets per far. (Always referring to those that are not non custodial, of course).
🍋- On the one hand, we have Lemon to which I personally nicknamed "The Queen of Marketing." Undoubtedly, Lemon's birth was a boom in Argentina and not precisely because of the easy access to cryptocurrencies, but for everything that promoted its marketing campaign: an extremely attractive card that made its entire campaign by itself. When paying something with the card, people asked "how can I get it?" And even without having the notion of the cryptocurrencies, they downloaded the application and requested it. Within the application, there are numerous beginner tutorials. At no time does the interface leave only the user. At the beginning it was extremely tempting, since each purchase made gave you 4% of Cashback in Bitcoin, then this function was modified by consumption levels and card payments and, although the cashback continues to exist, it only depends on the money you spend for That is greater or not. Within the app there are “challenges” (for example: 10 payments made with BTC/USDT/DAI = 1 chest, which can contain money or an NFT). In turn, every time a new cryptocurrency is incorporated in Lemon, there are gift NFTS on the Polygon network for the Early Adopters. Beyond all the interaction behind the use of the card as of the application, the most valuable of Lemon is the integration of other countries. You can send cryptocurrencies from Argentina to Brazil without any commission simply using the “lemon tag” (Lemon username) of the receiver. The card is a prepaid visa that works as a credit card (in fact, it is possible to make purchases in installments) and has international validity. So, for Latin America, this is a lifeguard when going on vacation to other countries for a matter of simplicity when using money and avoiding having to always fall into intermediaries such as banks, Wu, or others Platforms whose commissions due to foreign currency change exceeds up to 40% of the amount.
There are other functionalities such as Lemon Earn within the app, which allow to make stops in some cryptocurrencies, but personally I observe that the returns are very low compared to other platforms.
Currently, the countries admitted for the opening of accounts in Lemon are: Argentina, Brazil, Uruguay, Ecuador, Peru, Mexico and Colombia.
The cryptocurrencies that integrate the app are:
BTC, ETH, USDT, BNB, SOL, USDC, ADA, AVAX, DOGE, TRX, DOT, MATIC, LTC, DAI, UNI, XLM, NEAR, OP, ARB, ALGO, AAVE, FTM, SAND, AXS, MANA, ENS, PAXG and SLP.
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đź‘‘- As for Belo, I don't want to skew this post saying that it is my favorite by far, but I will specify why. While the card is not "super cool", Belo has focused much more on the possibilities of the project than in its appearance. The interface of its app is very simple, design and appearance is nothing from another world, and although integrated cryptocurrencies are (very) few, Belo proved to be up to the circumstances and not compete with Lemon, but sought its own niche, inside another niche. The card is also a prepaid card that works as a credit card, has international validity, and issued by Mastercard. The admitted cryptocurrencies are: BTC, ETH, DAI, USDT and USDC. But it has a peculiarity that, at least whom we live in Argentina, is very useful. Argentines have a strong tendency to vacation (the vast majority) in Brazil. Due to the regulations of our country, it is impossible for us to change foreign currencies in the banks, so we go to the "Blue Market" (unofficial/illegal market). However, Belo made a magnificent bridge that solves this problem. The BRL (Real Brazilian), the USD (US Dollar) and EUR (euro) integrated into its operations. For the Brazilian currency, the application integrates the main method of payments and collections of Brazil: Pix. Which allows anyone who has the Belo card and app, can charge or pay in Brazilian currency without the need to have a CPF (requested in that country) and creating the possibility of having a valid account identifier in Brazil. For operations in euros, they allocate one to each user to be able to send and receive money, and for operations strictly in Us Dollar, uses integrated processors such as Payoneer and AirTM, which allow the money to be entered without any commission. In addition to this lifeguard, Belo has its cashback program, which randomly grants on any amount paid a refund between 4% -20% in the currency you choose from the application settings. Every day of the week there are discounts paying with your card in supermarket chains, pharmacies, entertainment and gastronomy. And if the bias seems little, it is possible to open an account from the following countries:
Andorra, Angola, Antigua and Barbuda, Algeria, Argentina, Armenia, Australia, Azerbaijan, Bahamas, Bahrein, Bangladesh, Belize, BenĂn, Belarus, Bolivia, Bosnia and Herzegovina, Brazil, BrunĂ©i, Bután, Cape Verde, Cameroon, Canada, Chad , Chile, China, Vatican City, Colombia, Comoras, South Korea, Ivory Coast, Costa Rica, Dominica, Ecuador, El Salvador, Eritrea, Ethiopia, Fiyi, GabĂłn, Gambia, Georgia, Granada, Guatemala, Guinea, Guinea -Bissau, Equatorial Guinea, Guyana, India, Indonesia, Iceland, Maldivas Islands, Solomon Islands, Japan, Kazakhstan, Kenya, Kirguistan, Kiribati, Kuwait, Laos, Lesoto, Liberia, Liechtenstein, Malawi, Mexico, Monac Moldova, Namibia, Nauru, Nepal, Niger, Nigeria, Norway, New Zealand, Oman, Panama, Papua New Guinea, Peru, Qatar, Dominican Republic, Rwand Leone, Singapore, Sri Lanka, Suazilandia, South Africa, Switzerland, Surinam, Tayikistan, Thailand, East Timor, Togo, Tonga, Trinidad and Tobago, Turkmenistan, Uruguay, Uzbekistan, Vanuatu, Venezuela, Vietnam, Yibuti, Zambia.
In summary, although Lemon is excellent in design, availability of currencies and good marketing, in terms of utility Belo has earned my heart.
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Check them out:
- https://www.belo.app/
- https://www.lemon.me/en
🍋- On the one hand, we have Lemon to which I personally nicknamed "The Queen of Marketing." Undoubtedly, Lemon's birth was a boom in Argentina and not precisely because of the easy access to cryptocurrencies, but for everything that promoted its marketing campaign: an extremely attractive card that made its entire campaign by itself. When paying something with the card, people asked "how can I get it?" And even without having the notion of the cryptocurrencies, they downloaded the application and requested it. Within the application, there are numerous beginner tutorials. At no time does the interface leave only the user. At the beginning it was extremely tempting, since each purchase made gave you 4% of Cashback in Bitcoin, then this function was modified by consumption levels and card payments and, although the cashback continues to exist, it only depends on the money you spend for That is greater or not. Within the app there are “challenges” (for example: 10 payments made with BTC/USDT/DAI = 1 chest, which can contain money or an NFT). In turn, every time a new cryptocurrency is incorporated in Lemon, there are gift NFTS on the Polygon network for the Early Adopters. Beyond all the interaction behind the use of the card as of the application, the most valuable of Lemon is the integration of other countries. You can send cryptocurrencies from Argentina to Brazil without any commission simply using the “lemon tag” (Lemon username) of the receiver. The card is a prepaid visa that works as a credit card (in fact, it is possible to make purchases in installments) and has international validity. So, for Latin America, this is a lifeguard when going on vacation to other countries for a matter of simplicity when using money and avoiding having to always fall into intermediaries such as banks, Wu, or others Platforms whose commissions due to foreign currency change exceeds up to 40% of the amount.
There are other functionalities such as Lemon Earn within the app, which allow to make stops in some cryptocurrencies, but personally I observe that the returns are very low compared to other platforms.
Currently, the countries admitted for the opening of accounts in Lemon are: Argentina, Brazil, Uruguay, Ecuador, Peru, Mexico and Colombia.
The cryptocurrencies that integrate the app are:
BTC, ETH, USDT, BNB, SOL, USDC, ADA, AVAX, DOGE, TRX, DOT, MATIC, LTC, DAI, UNI, XLM, NEAR, OP, ARB, ALGO, AAVE, FTM, SAND, AXS, MANA, ENS, PAXG and SLP.
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đź‘‘- As for Belo, I don't want to skew this post saying that it is my favorite by far, but I will specify why. While the card is not "super cool", Belo has focused much more on the possibilities of the project than in its appearance. The interface of its app is very simple, design and appearance is nothing from another world, and although integrated cryptocurrencies are (very) few, Belo proved to be up to the circumstances and not compete with Lemon, but sought its own niche, inside another niche. The card is also a prepaid card that works as a credit card, has international validity, and issued by Mastercard. The admitted cryptocurrencies are: BTC, ETH, DAI, USDT and USDC. But it has a peculiarity that, at least whom we live in Argentina, is very useful. Argentines have a strong tendency to vacation (the vast majority) in Brazil. Due to the regulations of our country, it is impossible for us to change foreign currencies in the banks, so we go to the "Blue Market" (unofficial/illegal market). However, Belo made a magnificent bridge that solves this problem. The BRL (Real Brazilian), the USD (US Dollar) and EUR (euro) integrated into its operations. For the Brazilian currency, the application integrates the main method of payments and collections of Brazil: Pix. Which allows anyone who has the Belo card and app, can charge or pay in Brazilian currency without the need to have a CPF (requested in that country) and creating the possibility of having a valid account identifier in Brazil. For operations in euros, they allocate one to each user to be able to send and receive money, and for operations strictly in Us Dollar, uses integrated processors such as Payoneer and AirTM, which allow the money to be entered without any commission. In addition to this lifeguard, Belo has its cashback program, which randomly grants on any amount paid a refund between 4% -20% in the currency you choose from the application settings. Every day of the week there are discounts paying with your card in supermarket chains, pharmacies, entertainment and gastronomy. And if the bias seems little, it is possible to open an account from the following countries:
Andorra, Angola, Antigua and Barbuda, Algeria, Argentina, Armenia, Australia, Azerbaijan, Bahamas, Bahrein, Bangladesh, Belize, BenĂn, Belarus, Bolivia, Bosnia and Herzegovina, Brazil, BrunĂ©i, Bután, Cape Verde, Cameroon, Canada, Chad , Chile, China, Vatican City, Colombia, Comoras, South Korea, Ivory Coast, Costa Rica, Dominica, Ecuador, El Salvador, Eritrea, Ethiopia, Fiyi, GabĂłn, Gambia, Georgia, Granada, Guatemala, Guinea, Guinea -Bissau, Equatorial Guinea, Guyana, India, Indonesia, Iceland, Maldivas Islands, Solomon Islands, Japan, Kazakhstan, Kenya, Kirguistan, Kiribati, Kuwait, Laos, Lesoto, Liberia, Liechtenstein, Malawi, Mexico, Monac Moldova, Namibia, Nauru, Nepal, Niger, Nigeria, Norway, New Zealand, Oman, Panama, Papua New Guinea, Peru, Qatar, Dominican Republic, Rwand Leone, Singapore, Sri Lanka, Suazilandia, South Africa, Switzerland, Surinam, Tayikistan, Thailand, East Timor, Togo, Tonga, Trinidad and Tobago, Turkmenistan, Uruguay, Uzbekistan, Vanuatu, Venezuela, Vietnam, Yibuti, Zambia.
In summary, although Lemon is excellent in design, availability of currencies and good marketing, in terms of utility Belo has earned my heart.
________________________________________________
Check them out:
- https://www.belo.app/
- https://www.lemon.me/en
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