Problems
It’s hard to pay with traditional credit card
- Foreign cards often fail or add 3–7% fees
- Opening a local bank account is difficult
- Local e-wallets are unavailable to foreigners
- ATMs charge high fees — or simply run out of cash
Secure. Non-custodial. Built for travelers.
Pay as a Local
in Southeast Asia
Pay as a Local
in Southeast Asia
Powerful, self-serve product and growth analytics to help you convert, engage, and retain more.
4.9 · 12,000+ travelers
4.9
More than 12,000 travelers are already with us
< 5s< 5 seconds
from QR scanto credit
from scanning the QR to crediting
0.5%0.5%
per payment
everything we charge for payment
6 cnt.6 countries
in plans
in plans for the next 18 months
0 keys0 keys
on our servers
stored on our servers
01THE PROBLEM
Paying abroad is complicated. WoWbat makes it easy.
No more foreign transaction fees or exchange rate confusion.
Solution with WoWBat
Pay with QR, just like locals do
- Top up with stablecoins
- Pay local QR codes in cafés, shops, taxis
- Low fees, instant confirmations
- Keep your crypto in your own wallet — spend only when you need to pay
02ALL YOU NEED
All you need to pay as a local.
Bank at home, spend like a local across South-East Asia. Six things WoWbat does for you — no extra apps, no extra accounts.
01
Local QR Payments
Scan and pay anywhere VietQR is accepted — cafes, taxis, hotels, street markets. The same QR locals use.
02
Instant Top-Up
Add USDT to your balance in seconds via TRC-20 or BEP-20. More networks roll out every quarter.
03
Non-Custodial Security
Your keys, your funds. The wallet lives on your phone — we can't freeze, hold, or move anything.
04
Low Fees
A flat 0.5% on every payment. Save 3–6% versus foreign card rates and street money changers.
05
Bank Top-Ups · soon
Top up directly with EUR or GBP from European banks — coming next quarter, ready when you board the plane.
06
Multi-Country Support
Vietnam — live. Thailand and Philippines — Q3/Q4 2026. Indonesia and Singapore on the roadmap.
03 HOW IT WORKS
3 simple steps
Create an Account
Download the app and finish KYC verification — about three minutes total.
Top up with stablecoins
Got stablecoins? Inside the app you also get a fully self-custody wallet you can use to pay via QR.
Scan & Pay as a Local
Show the QR, tap to pay in dongs. Done in under five seconds — same as locals.
04WHERE IT WORKS
Pay as a local across Southeast Asia.
Started with Vietnam — Thailand and the Philippines are next on the roadmap. We connect national QR rails one country at a time, prioritising where our travellers actually go.
1
LIVE COUNTRY
4
ON THE WAY
99%
OF MERCHANTS
Vietnam
VietQR · VND
Thailand
PromptPay · THB
Philippines
QR Ph · PHP
Indonesia
QRIS · IDR
Singapore
PayNow · SGD
05SECURITY
Your keys. Your funds. Your control.
WoWbat never holds your funds. Your assets stay in your own self-custody wallet until the moment you approve a payment — we are just the rail, not the bank.
Self-custodyAML in real timeKYC by partner
01
Self-custody wallet
Your private key lives in your phone's secure storage. The same seed phrase opens your wallet in MetaMask or Trust Wallet — even if you delete WoWbat tomorrow.
02
Real-time AML
Compliance checks run at the moment of payment, not before. No preventive freezes, no surprise account holds.
03
KYC stays with partner
Only the licensed Vietnamese payment partner sees your documents — once. WoWbat itself never stores or sells your identity data.
FAQ · WHY KYC
Why do I need KYC?
We use KYC only to meet the requirements of our local payment partners in Vietnam. Verified identity helps prevent fraud and keeps every transaction compliant — without that, no licensed bank in the region can settle in dongs for you.
Required by local partner
Vietnamese banking law obliges every settlement provider to verify customer identity.
Stored encrypted, never sold
Documents are encrypted at rest and never shared with third parties or marketers.
One-time, takes 3 minutes
Phone, passport scan, selfie. Approved automatically — no waiting line, no human review.
0
private keys stored on our servers
100%
on-device wallet, opens in MetaMask
< 3 min
one-time KYC, no re-verification
06REVIEWS
What real people actually save.
On day one I paid for phở at a street stall — the fee was under a cent. Before WoWbat I tried Revolut and currency booths — losing 6–8% on every move.
Anya K.
Nha Trang · 10-day holiday
Saved
$135
Salary lands in USDT, I live off it. Forgot exchange booths existed; never set foot in a bank. The seed phrase stays with me — that matters.
James T.
Da Nang · digital nomad
Saved
$420
Grab, street food, hotel checkout — all QR. My foreign card worked maybe half the time and always with a nasty fee.
Sofia M.
Ho Chi Minh · 2-week trip
Saved
$89
KYC took three minutes. First payment at a café felt weirdly normal — like I'd lived here for years.
Leo P.
Hanoi · backpacker
Saved
$52
Next flight — grab WoWbat.
Install and complete your first payment in three minutes. No waiting for a card, no bank queues, no currency booths.
Next flight — grab WoWbat.
Install and complete your first payment in three minutes. No waiting for a card, no bank queues, no currency booths.