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What makes Pebbles different from PayPal, Wise, or crypto wallets?

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Written by Pebbles
Updated over a month ago

Pebbles is designed for a new kind of workforce, one where people earn across platforms, currencies, and borders seamlessly. Unlike PayPal, Wise, or traditional crypto wallets, Pebbles blends the best of fintech and blockchain into a single, creator-first experience.

Here’s how we’re different:

🏦 Not Just a Payment Processor, Pebbles Is an All-in-one Smart Account

  • PayPal/Wise: Handle payments, but offer limited flexibility on what you can hold, convert, or earn.

  • Pebbles: Apart from receiving payments, your balance can auto-convert into any currency or earn yield automatically, hands-free.

🌍 Made for Global Creators, Not Just Businesses

  • Other Platforms: Focus on e-commerce or P2P transfers in select regions.

  • Pebbles: Built for solopreneurs, freelancers, and creators earning from anywhere, including bankless regions.

💸 No High Platform Fees or Hidden Charges

  • Other Platforms: Often take a cut from your income or charge steep FX fees.

  • Pebbles: Lets you keep more of what you earn, with transparent conversion and zero platform fees on incoming payments.

🔐 Blockchain-Powered but Without the Complexity

  • Traditional wallets: Require setup, seed phrases, and tech know-how.

  • Pebbles: Gives you blockchain-level access and yield without needing to understand wallets or private keys. You can log in with Google, X, Telegram, or even Twitch.

TL;DR:

Pebbles is a borderless, smart financial layer for the independent economy — not just a wallet or payment tool. You don’t need to choose between Web2 ease and Web3 power. Pebbles gives you both.

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