LemFi vs Free Rider Problem

Ambition has no passport. LemFi is built for people going places. It puts what you need in one app: send money internationally, buy eSIM data, and in the UK, save and access credit, subject to eligibility. Send, save, grow with LemFi. SEND MONEY ABROAD Send to 30+ countries across Africa, Asia, Europe, and Latin America, with zero transfer fees on supported corridors. Most transfers arrive in minutes, paid into a bank account, a mobile wallet, or a mobile money account, depending on where you're sending. No branch visit, no paperwork, no waiting days for a bank wire to clear. You see the exact rate and fee before you confirm. No hidden fees, nothing taken off on arrival. Then follow every transfer from the moment you send to the moment it lands, so you're not left wondering, and neither is your family. SAVINGS (UK) LemFi Instant Access Savings, Powered by ClearBank. Open an account from £1 and put money aside for emergencies, for goals, for the things that matter. Withdraw any time, with no penalty. Interest is calculated daily and paid monthly. The LemFi Instant Access Savings Account currently pays a boosted 5% AER for the first six months from account opening; it then reverts to 3.04% AER (tracker), tracking the Bank of England base rate. LemFi is not a bank. Savings accounts are provided by ClearBank Ltd (PRA-authorised, FCA and PRA regulated). Eligible deposits are FSCS protected up to £120,000 per person, shared across all deposits you hold with ClearBank. CREDIT (UK) LemFi Credit is a revolving credit line, subject to eligibility. We look at your full history, including your history with LemFi, so a thin UK credit file isn't the whole story. Choose how you repay each month: the full balance, the minimum, or a fixed amount that suits you. With Credit Monitor, eligible customers can see their Equifax credit score in the app, and what moves it. Credit is offered subject to status and affordability. Questions about credit? Our support team is in the app. The LemFi Credit account is provided by Pillar Labs Ltd, a company registered in England and Wales (Company No. 13637649). Registered Office: Jellicoe, 5 Beaconsfield St, London, England, N1C 4EW. Pillar Labs Ltd is authorised and regulated by the Financial Conduct Authority under Firm Reference Number: 996727. eSIM DATA Buy eSIM data for 150+ countries in the app, before you fly. Land connected when you go home or travel anywhere else, with no roaming bill and no queue for a local SIM. WHY OVER 2 MILLION PEOPLE STAY • Alerts the moment your money arrives • 24/7 customer support in multiple languages • Refer a friend and you both get the same amount of LemFi Cash to use on your transfers. LemFi Cash can't be withdrawn as cash. LICENSED AND REGULATED In the UK, LemFi is a trading name of RightCard Payment Services Limited, authorised by the Financial Conduct Authority to issue electronic money under the Electronic Money Regulations 2011 (FRN 900424). Your LemFi account is an e-money account, not a bank account, and is not FSCS protected. We also hold licenses, registrations, and approvals in Australia, Canada, Ireland, the US, and key corridors across Africa and Asia. Questions? Contact us in the app or at support@lemfi.com. Facebook: @uselemfi | X: @uselemfi | Instagram: @uselemfi

GAME OVER for awkward money talks. You drive your friends to the mountain every weekend. You pay for gas. Nobody offers. Sound familiar? That's the free rider problem, the economics term for people who benefit without paying their share. This app fixes it. HOW IT WORKS Log a trip. Check off who was in the car. The app does the math. Your friends see what they owe. Done. Free Rider Problem uses Apple Maps to calculate real driving distances. It remembers your routes, your vehicles, and your fuel costs, so repeat trips take seconds. The running ledger tracks every dollar across your friend group, and the leaderboard crowns whoever drives the most. DROP A QUARTER, START RACING This is not another grey expense splitter. Free Rider Problem looks like a 1980s coin-op racer. OutRun, Pole Position, Rad Racer. CRT scan lines, neon glows, pixel art, and a boot-up sequence that feels like powering on an arcade cabinet. Every trip you log is a lap on the scoreboard. PLAYER 2 HAS JOINED Add friends with a 6-character invite code. No phone numbers, no social logins, no permissions. Share your code and you're connected. Balances sync in real time. GAS OR ELECTRIC Works with gasoline, diesel, electric, and hybrid vehicles. Enter fuel efficiency in L/100km or MPG. The app saves your last fuel price per vehicle and fills it in next time. Pick an EV and the whole interface goes green with kWh/100km. Same flow, different energy source. YOUR GARAGE, YOUR RULES Save multiple vehicles with nicknames. "The Yaris." "Dad's Tesla." "Big Red." Each one remembers its fuel type, efficiency, and last energy rate. Pick a car when you log a trip and the cost calculates itself. HIGH SCORES The leaderboard is the soul of the app. See who's driven the most km, logged the most trips, spent the most on fuel. 10 achievement badges, including: - Driving Hero: #1 in total km - Road Warrior: 1,000+ lifetime km - Iron Butt: single trip over 200 km - Electron Jockey: 500+ km in an EV - Ghost Rider: logged a trip after 3 AM - True North: 5,000+ lifetime km - The Free Rider: 10+ rides as a passenger, zero as a driver That last one is a shame badge. Nobody wants it. Everyone knows who deserves it. The leaderboard also shows fun facts ("You've driven the equivalent of Montreal to Miami") and shareable cards you can drop in the group chat. SETTLE UP Tap Settle Up. The app shows the exact amount. Mark it paid. No in-app payments, no fees. Pay however your group normally pays. FEATURES - Automatic distance via Apple Maps - Gas and EV cost splitting - Real-time sync across all riders - Saved routes for one-tap repeat trips - Multi-driver support (two people split a long drive? Tag them both) - Return trip toggle (doubles the distance, one tap) - Running balances with full trip history - 10 achievement badges (including one shame badge) - Shareable leaderboard cards - Full arcade theme with CRT scan lines, pixel art, and neon glow - No ads. No subscriptions. No phone number required. You drive. Your friends ride. The app keeps score. Privacy Policy: https://freeriderproblem.com/privacy Terms of Service: https://freeriderproblem.com/terms Support: https://freeriderproblem.com/support