BABB vs Xavier

Babb, a fintech firm with a purpose to promote financial inclusion and social impact, connects individuals and increases financial inclusion globally by enabling cost-effective micropayments, even for cross-border transactions. Babb Money Accounts: Babb combines the best of both worlds, offering the safety and security of traditional ways while also providing a fair, convenient, inexpensive, and inclusive financial experience. What the Babb App allows you to do: • Set up an account in minutes. • Manage your money and CurrencyX stablecoins in one spot. • BAX, BTC, USDT and ETH storage, conversion, and sending  • Instant P2P in-app transfers • Stay in touch with friends and family all across the world. • Set up a GBP accounts (for all) and GBP debit cards (for UK residents). • And much, much more! More information can be found at www.getbabb.com. We are always looking for ways to improve the Babb Platform, so please email any suggestions/ideas to support@getbabb.com.

Xavier is an expense tracker that does one thing differently: it keeps everything on your iPhone. No account to create, no cloud to sync to, no analytics, no ads. You just tell it what you spent. JUST SAY IT Type or paste what happened — "lunch 12.50 at Subway," "SGD 40 taxi," "coffee 4.20" — and Xavier turns it into a clean transaction. The parsing runs on-device with Apple Intelligence; your words never leave your phone. Every entry shows you a confirmation card before it's saved, so nothing is logged without your OK. PRIVATE BY DESIGN - No sign-up, no email, no account — ever. - No servers. The app has no network connection for your financial data. - Your database is encrypted at rest on the device. - Optional Face ID lock, off by default — turn it on when you want it. - No third-party tracking or advertising SDKs. EVERYTHING YOU NEED - Snap or import a receipt and let Xavier read the total. - Recurring transactions for rent, subscriptions, and salary. - A Home Screen widget with this month's income and expense at a glance — which hides itself when your phone is locked. - Multiple accounts (bank, cash, credit card, savings). - Categories, payees, and clear monthly summaries. YOUR DATA, YOUR BACKUP Back up to your own iCloud whenever you like, and restore with a tap. The backup is a copy of your own database in your own iCloud space — not ours. We never see it. BUILT FOR MODERN iPHONE Xavier uses on-device intelligence for the natural-language magic. On devices without it, you can still add and edit everything by hand — the core tracker works for everyone. No subscription. No upsell. Just a private place to see where your money goes.