LemFi vs DryPowder

Ambition has no passport. You're building a life here and holding one together back home. LemFi puts both in one app: send money home, buy eSIM data, and in the UK, save and access credit (subject to eligibility). Send. Save. Grow. 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. Send money and more. Questions? Contact us in the app or at support@lemfi.com. Facebook: @uselemfi | X: @uselemfi | Instagram: @uselemfi

Dry Powder is a free stock-market simulator built for Canada. Start with C$50,000 in simulated capital and practise investing in Canadian and United States stocks and ETFs. Nothing here involves real money: you cannot deposit, withdraw, or trade real funds, and simulated balances have no value. MADE FOR CANADA Canadian dollars by default. TSX and TSX Venture listings alongside NYSE and Nasdaq, each labelled with its exchange and currency, so a Canadian listing is never confused with its U.S. counterpart. HONEST ABOUT PRICES Every price shows its currency, exchange, timestamp, and how fresh it is, plus whether the market is open. This version uses simulated data, labelled as such on every price. REAL ORDER TYPES Market, limit, stop, and stop-limit orders. Buy by share count or dollar amount. Review every order before it is placed, with the simulated commission, slippage, and currency conversion shown up front. UNDERSTAND YOUR PORTFOLIO Allocation by sector and currency, concentration, how evenly your holdings are spread, and your largest recorded decline — described plainly, never as advice. A JOURNAL THAT MAKES TRADES WORTH REVIEWING Every trade creates an entry. Write down what you expected and how long you planned to wait, then read it back later. SHORT LESSONS Stocks and ETFs, bid-ask spread, order types, diversification, currency risk, fees and slippage — and an honest lesson about what a simulator cannot teach. FREE, WITH NO CATCH Every feature is free. No advertisements, no subscriptions, no in-app purchases, and no third-party tracking. Works without an account. Dry Powder is educational software. It is not a broker, gives no investment or tax advice, and recommends no security. Simulated results do not predict real ones.