Introduction

Welcome to Scallop, a modern financial app designed to help you manage money seamlessly across currencies, borders, and digital assets - all in one place.

Scallop brings together wallets, payments, cards, and compliance into a single platform, making it easy to move between traditional finance and blockchain-powered services without complexity.

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What is Scallop?

Scallop is a global money platform that allows you to store, send, receive, and manage money in multiple currencies, including both fiat and digital assets.

With Scallop, you can:

• Hold balances in supported currencies

• Add money using local payment methods

• Send and receive payments locally or internationally

• Convert between currencies and digital assets

• Spend using virtual cards

• Track transactions and balances in real time

All activity is designed to be simple, transparent, and secure.

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Who is Scallop for?

Scallop is built for individuals and businesses who want a more flexible way to manage their finances.

Individuals

Use Scallop to:

• Store and manage funds in one place

• Make local or international transfers

• Pay online using virtual cards

• Access modern financial tools without traditional banking friction

Businesses

Use Scallop to:

• Collect payments from customers

• Pay suppliers or partners

• Manage multi-currency balances

• Control access and activity across accounts

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Accounts & Wallets

Scallop provides multi-currency accounts and wallets that let you manage money across different regions.

Depending on availability, you can:

• Hold balances in local or international currencies

• Receive funds using supported local payment methods

• Transfer funds internally or externally

• View clear transaction history and balances

Funds are credited directly to your Scallop account and reflected instantly or as soon as the payment is completed.

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Payments & Transfers

Scallop supports a wide range of payment flows, including:

• Local transfers within the same country

• Cross-border payments

• Transfers between fiat and digital assets

Payments are routed through the most suitable rails based on currency and location, ensuring speed, reliability, and clarity. You’ll always see the status of your transaction: whether it’s pending, completed, or failed.

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Cards

Scallop offers virtual payment cards that can be used for online and in-store purchases wherever supported.

With Scallop cards, you can:

• Instantly issue a virtual card

• Make secure online payments

• Add cards to supported digital wallets (such as Apple Pay or Google Pay, where available)

• Control spending with limits and security settings

• Freeze or unfreeze cards anytime

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Conversions

Easily convert between supported currencies and digital assets directly within Scallop.

Before confirming a conversion, you’ll see:

• The exchange rate

• Any applicable fees

• The final amount you’ll receive

This ensures full transparency and no surprises.

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Compliance & Security

Security and compliance are built into Scallop at every level.

Scallop helps keep your account safe by:

• Verifying users and businesses

• Monitoring transactions for suspicious activity

• Applying sanctions and regulatory checks

• Maintaining detailed records for accountability

These measures help protect both users and the platform.

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Notifications & Tracking

Stay informed with real-time updates:

• Transaction status notifications

• Payment confirmations and receipts

• Alerts for important account activity

You can always review your transaction history directly in the app.

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Getting Help

If you need assistance or have questions, Scallop’s support team is here to help. You can reach out directly through the app or via our official support channels.