EmbassyCard vs Flur

What is EmbassyCard? EmbassyCard is a digital cash solution built on a mobile app and a contactless stored-value Prepaid Card that makes going cashless simple and easy! EmbassyCard is available for banked and unbanked and brings bank services to the unbanked. We aim to make contactless payments available to everyone. Have access to your Cash 24/7 and track your expenditure on your card anytime, anywhere. Send Money to friends and family in minutes. You can lock your card using your PIN without using the network unlike EMV cards. No need to queue endlessly in at the ATM. and handle bank notes with EmbassyCard. EmbassyCard gives you that start you need to pay contactless - so you can pay quickly, securely, easily, and safely. Why get an EmbassyCard Account? Our app is free and our simple to use prepaid solution has made contactless payments easy, safe, and secure. We have three card designs – LITE, Green, and Gold – with different digital cash capabilities when used with our app. Users with a Personal customer account are cardholders and use our app to turn their smartphone as an ATM, load money on the prepaid card as digital cash and spend at out various merchant locations, access bank services, additionally Cardholders can use their card as a form of ID. Users with a Merchant customer account use our app to turn their smartphone into a PoS (Point-of-Sale) terminal to take payment from EmbassyCard Cardholders. We are championing contactless & digital cash for Africa, starting in Nigeria, with our EmbassyCard App and our prepaid contactless card coupled with our card processing capability. For Cardholders, our app transforms your smartphone into an ATM to: • Take or make payment • Transfer money to friends and family • Load money as stored value on the card to spend • Pay bills • Shop Online with EmbassyCard • Transfer digital cash from card to bank or from bank to card • Check your cash balance and spending history on the go. • Lock/Unlock your Card to secure your digital cash until you need it For Merchants, our app also transforms your smartphone into a PoS terminal to: • Always be ready to do business with EmbassyCard Cardholders • Take Payment • Settle Commerce Settlement to your Bank Account anytime • Merchant invites Sub-Agents to collect payment on their behalf • Showcase your location so EmbassyCard Cardholders can find your shop The EmbassyCard App is currently only supported by NFC enabled iPhones. About Us Our technology allows us to take payment offline and online with the least overhead unlike EMV cards. We are on a mission to make contactless payments available to everyone. Our simple to use Prepaid EmbassyCard will make cashless payments offline, safe, and secure. EmbassyCard is available for the banked and unbanked and brings bank services to the unbanked. We open a bank account for the unbanked customers through our Referral Service with our Partner Banks of the customers’ choice. Our cardholder customer does not need to carry cash to spend, transfer or to pay for goods and services. The customer only needs to register and onboard to KYC guidelines to become a Cardholder and to use our free EmbassyCard App as a personal customer or a merchant. Learn more: https://www.embassycard.com

Flur — Orchestrate Payments. Coordinate Shared Money. Money gets complicated when other people are involved. Flur makes it simple. Flur is the app for coordinating money between people — friends splitting a bill, families managing shared budgets, groups collecting for an event, or businesses handling customer payments. One place to split, collect, pool, track, and settle. Split Payments Split any payment equally or by custom amounts. Assign shares, set who pays what, and track who’s settled. Works for restaurants, trips, rent, groceries — anything you share with others. Group & Family Wallets Pool money in a shared wallet and spend from it together. Set contribution targets, track deposits in real time, and see exactly where the balance sits. Family wallets include spending limits, permissions, and approval flows so you stay in control. Multi-Source Payments When one balance isn’t enough, pay across multiple sources in a single transaction. No failed payments. No juggling. Full Payment Visibility Every contribution, request, split, and settlement is logged and visible. Know exactly where the money is, who’s paid, and what’s outstanding — at all times. Flur is built for the way money actually moves between people — across households, friendships, groups, and borders.