Penman vs MyCurrency

Penman turns your voice into notes — and your notes into knowledge. Record lectures, meetings, and ideas with real-time voice transcription in 120+ languages, chat with your notes through Spaces AI, and let built-in study tools create flashcards and quizzes for you. VOICE TO TEXT, LIVE - Real-time speech transcription in 120+ languages - Import audio files and transcribe them in minutes - Dictate hands-free, then refine with AI actions (summarize, reorder, rewrite) SPACES — AI CHAT WITH YOUR NOTES - Ask questions and get grounded answers with citations and source cards - Knowledge retrieval across your notes, documents, and recordings - On-device intelligence with Apple Foundation Models AI STUDY TOOLS - Generate flashcards from any note in one tap - Build quizzes automatically and test yourself - Summarize, reorder, and run custom AI prompts SCAN, LISTEN, CREATE - OCR: turn photos and scans into editable text - Text-to-speech playback with word highlighting - Create images with Apple Image Playground EVERYWHERE YOU WORK - iCloud sync across iPhone, iPad, and Mac - Export to PDF, TXT, JPG, and HTML - App Intents and Shortcuts for automation - Rich text editor with fonts and bidirectional writing support PREMIUM Unlock unlimited transcription, all AI features, and every export format with Penman Premium. Download Penman today and turn every conversation, lecture, and meeting into notes that work for you. Subscriptions will be charged to your credit card through your iTunes account, and will automatically renew unless canceled at least 24 hours before the end of the current period. Manage your subscriptions in the App Store Account Settings. Terms of Use: https://penmanai.app/terms Privacy Policy: https://penmanai.app/privacy

Say goodbye to a wallet overflowing with loyalty cards. MyCurrency brings participating businesses' loyalty programs together in one app. Collect points from your favorite spots, spend them on rewards, send them to friends, or trade them for the points you actually want. Free for customers, with zero ads. FOR CUSTOMERS YOUR POINTS, TOGETHER Keep track of your balances and transaction history across participating restaurants, cafés, shops and more. No separate loyalty cards to carry or lose. SPEND YOUR REWARDS Find out what your points can get you. At checkout, scan the merchant's redemption QR code and confirm in MyCurrency. SEND POINTS TO FRIENDS Share points with someone who would enjoy them. Your friend can use those points at the business that issued them. SWAP & TRADE POINTS TWO WAYS Turn unused loyalty points into rewards you actually want through our built-in trading features: • Direct In-App Swaps: Control your privacy by choosing which portion of your point holdings is "visible" to the community and which stays "hidden." Browse other users' visible point balances and send a custom trade offer—proposing specific amounts of your currencies in exchange for theirs. Once both sides accept, the swap executes automatically. • Public Craigslist Listings: Post an offer to buy, sell, or swap loyalty points on Craigslist, then share your Craigslist link inside the MyCurrency app so it is automatically broadcast to all MyCurrency users. DISCOVER LOCAL BUSINESSES Browse participating businesses and find nearby places to earn and spend rewards. ALREADY RECEIVED POINTS? Download MyCurrency to spend, send and trade them from your phone. FOR BUSINESS OWNERS Give customers a reason to buy again—with your own branded loyalty points. YOUR BRAND, YOUR REWARDS Create a points program with your business name and logo. Choose your reward rate and the products customers can redeem. WORKS ALONGSIDE YOUR EXISTING POS Cashiers use our companion merchant tool, MyCurrency Checkout, to issue points and handle redemptions. No POS integration required. WELCOME CUSTOMERS WITHOUT AN APP DOWNLOAD Send points using a customer's phone number. Customers can scan your QR code, verify their number and view their rewards in a mobile browser. They install MyCurrency when they're ready to spend, send or trade their points. MORE VISIBILITY THROUGH TRANSFERS & TRADES Unlike closed loyalty programs, your customers can send your points to friends or trade them with other MyCurrency users—putting your brand and points into the hands of new people who now have a reason to visit your business. ₱0 Cash Fees — You Only Pay in Your Own Points There are no setup fees, no monthly subscriptions, and no cash transaction fees. You never pay us a single peso, dollar, or cent in cash. Instead, our platform fee is paid strictly in your own points when rewards are issued: for every 2 points you reward a customer, MyCurrency receives 1 additional point (for example, when you award a customer 100 points, the customer keeps all 100 points and MyCurrency receives 50 points). That’s how much we believe in your business—your own store points are payment enough! About the October 2026 Launch Originally conceived as an early prototype in 2020, MyCurrency was completely rebuilt from the ground up by our engineering team in Bonifacio Global City (2023–2026) and officially launches in October 2026. Download MyCurrency today and start collecting, spending, and sharing rewards!