The Clutch mobile wallet, launched last month, joins several other apps that seem to compete with Apple's Passbook while also integrating with it.

Passbook, Apple's software-based mobile wallet, stores payment cards and tickets from other mobile apps. For example, users of Starbucks' stored-value card app can choose to access their account from Passbook instead of the Starbucks app. Clutch offers a similar function — and even offers to enroll cards in Passbook whenever consumers add a card to their Clutch wallet.

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