# Introduction Welcome to Scallop, a global financial platform built around a single principle: \ one account, one balance. Scallop allows you to hold, move, and use fiat currencies and digital assets together in one unified system. No separate wallets, no fragmented accounts, no switching between platforms. From payments and global transfers to cards and asset management, everything runs from the same balance, designed for how money actually moves across borders, currencies, and systems. Built for simplicity, control, and real-world usability, Scallop connects traditional finance and digital assets in one seamless experience. *** ### What is Scallop? Scallop is a financial app that allows you to manage fiat currencies, stablecoins and digital assets from a single account. With Scallop, you can: * Hold multiple balances in supported currencies * Send and receive payments locally or internationally * Convert between currencies and digital assets * Spend using virtual cards * Enjoy lifestyle benefits * Use QR Payments with ease * Track transactions and balances in real time All the app activity is designed to be simple, transparent, and secure. *** ### Who is Scallop for? Scallop is built for both individuals and businesses who need to manage money across currencies, borders, and financial systems.
Scallop offers the following: #### Individuals Use Scallop to: * Store and manage funds, both fiat and digital assets, in one place * Send money globally without switching between services * Pay online and in-store using virtual cards * Access a multi-currency setup without needing multiple bank accounts * See your entire financial position as one combined balance instead of fragmented wallets Scallop removes the need to juggle between banks, exchanges, lifestyle and payment apps.\ It gives you one system that reflects how you actually earn, spend, and store money today. #### Businesses * Collect payments from customers * Pay suppliers or partners * Manage multi-currency balances * Control access and activity across accounts *** ### 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. *** ### Payments & Transfers Scallop supports a wide range of payment flows, including: * Local transfers within the same country * QR Payments * 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. *** ### Cards Scallop offers **virtual payment cards** that can be used for online and in-store purchases wherever supported. Scallop cards allow you to: * 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 at anytime *** ### **eSIM (Scallop+)** Scallop offers global eSIM data plans, allowing you to stay connected across multiple countries without relying on traditional SIM cards or roaming services. With Scallop+, you can: * Purchase and activate eSIM plans instantly * Access data in supported regions without changing physical SIMs * Top up existing plans anytime * Monitor data usage and plan validity in real time * Stay connected while traveling without high roaming charges Your eSIM is fully managed within the Scallop app, making it easy to control, top up, or purchase new plans whenever needed. *** ### Scallop Pay (QR Payment Service) Scallop Pay enables seamless QR-based payments across multiple countries using locally supported payment networks with any currency you hold. You can scan and pay instantly without needing separate apps or local accounts. With Scallop Pay, you can: * Make payments using local QR standards in supported regions * Pay merchants directly by scanning their QR code * Complete transactions using your existing Scallop balance with automatic currency conversion * Avoid the need to hold local currency wallets for every region * Experience fast, secure, and locally compliant payment flows Payments are processed using the most suitable local rails, ensuring high success rates and real-time or near real-time confirmations depending on the region. *** ### 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 highlights all the details of the transaction thus ensuring full transparency showing all surcharges. *** ### Compliance & Security Security and compliance are built into Scallop at every level. Scallop keeps your account safe by: * Verifying users and businesses are genuine and correct * Monitoring transactions for suspicious activity * Applying sanctions and regulatory checks * Maintaining detailed records for accountability These measures help protect both users and the platform. *** ### Notifications & Tracking Scallop provides real-time updates of: * Transaction status notifications * Payment confirmations and receipts * Alerts for important account activity You can always review your transaction history directly in the app. *** ### 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. --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. 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