Bilt Rewards vs JINU

Bilt helps you transform your largest monthly expense—rent—into valuable rewards and unlock exclusive Neighborhood Benefits™. With Bilt, you can earn points on rent payments, build credit history, and unlock a world of rewards from travel to everyday redemptions. EARN REWARDS ON RENT Earn rewards on your largest monthly expense–rent. With every on-time rent payment, you'll earn Bilt Points – the industry's most valuable and flexible points currency. Plus, build credit history by automatically reporting your rent payments to all three major credit bureaus for free. ACCESS NEIGHBORHOOD BENEFITS™ Get even more at your favorite spots with exclusive Neighborhood Benefits™ at local restaurants, fitness studios, pharmacies, on Lyft rides, and more. Use any linked card with our neighborhood partners to stack Bilt Points, in addition to your usual card rewards. Unlock member benefits including complimentary items, member events, and more. REDEEM YOUR REWARDS Transfer your points 1:1 to your favorite airline miles and hotel points, use them for future rent payments, redeem for everyday purchases, or save them for a down payment on a home. Bilt offers the industry's most flexible and valuable redemption options. RENT DAY® REWARDS On the 1st of each month, we drop limited-time member benefits like unparalleled transfer bonuses, unique neighborhood dining experiences, a chance to win free rent through our Rent Free™ game, and more. Earn Points on Rent Payments: - Earn points on rent at any home, no matter where you live - Free credit building by reporting rent payments to all credit bureaus - No transaction fees on rent payments Unlock Neighborhood Benefits™: - Dining: Earn points and enjoy complimentary items at 20,000+ local restaurants - Fitness: Get complimentary add-ons at partner fitness studios like Barry's, SoulCycle, and more - Pharmacy: Apply automatic HSA/FSA savings at Walgreens - Lyft rides: Earn extra points on Lyft rides around your neighborhood Redeem the most flexible points: - Travel: Transfer points 1:1 to major airlines and hotels including United, American, Hyatt, and more, or use them in the Bilt Travel Portal - Rent: Use points towards future rent payments - Everyday Rewards: Redeem for Amazon purchases, gift cards, and more - Buy a Home: Save points for a down payment on a future home Earn Elite Status: - Earn status through points or eligible spend - Unlock increasingly valuable benefits across travel and everyday rewards - Customize your experience with Milestone Rewards at 25,000-point intervals Join over 4 million members who are transforming their largest monthly expense into their most rewarding one. Download the app today and start earning rewards on rent, in your neighborhood, and beyond.

JINU is a private financial dashboard for the person actually running the business. It turns the messy spreadsheet you keep in your head - revenue streams, capex, opex, what's left at month-end - into a calm, glanceable view of where the business actually stands. No accounts. No signup. No analytics. Your data lives on your iPhone and syncs to your private iCloud. We can't see it, sell it, or train anything on it. WHAT IT DOES • Track multiple companies. Switch between your main business, a side project, and an investment portfolio without losing context - each one is its own dashboard with its own numbers. • See the metrics that actually matter. Net profit, revenue, costs, EBITDA, free cash flow, net equity, break-even, runway - calculated live from what you enter, not what you guess. • Run a DCF valuation. Set growth rate, WACC, terminal growth, and shares. JINU computes enterprise value, equity value, EV/EBITDA, and a sensitivity table you can stress-test in real time. • Read the room with the right ratios. ROIC vs WACC (are you creating value or destroying it?), Altman Z-Score (bankruptcy risk), Rule of 40 (SaaS health), DSO/DIO/DPO/CCC (working capital), current ratio, quick ratio, debt-to-EBITDA - all derived from the numbers you've already entered. • Visualize trends. A 12-month revenue/profit projection, a cost split donut, revenue stream breakdown, ring gauges for EBITDA margin and burn rate. The charts are quiet and read at a glance. • Keep invoices on file. Upload PDFs or photos of receipts and bills directly into a project. Tag vendor, amount, category, date, notes. Preview any file inline. Share back out anytime. • Export a clean summary. Generate a one-page PDF or PNG of your project's current state - net profit, FCF, key metrics, cost composition, revenue streams, every line item. Share it through Mail, Messages, WhatsApp, AirDrop, save to Files, print, anywhere the system share sheet reaches. WHY IT'S DIFFERENT Most finance apps assume you're moving money - connecting bank accounts, scraping transactions, classifying spend. JINU assumes you already know what you spent. It's the layer above that: the founder's-eye view, the board-deck-in-your-pocket, the question "what's this business actually worth?" answered with five sliders. Built iPhone-only, on purpose. No web dashboard, no shared workspaces, no team seats, no subscriptions. One app, one user (you), running on your phone, with your data following you to your next iPhone via iCloud. PRIVACY YOU CAN VERIFY • Zero third-party SDKs. No Firebase, Mixpanel, analytics, ads, or trackers. • Zero servers we operate. No JINU backend, no JINU account, no JINU login. • Your data sits in two places: your iPhone's private sandbox (encrypted at rest by iOS when you set a passcode), and your own private CloudKit database (Apple-hosted, end-to-end secured to your Apple ID). • Optional Face ID / Touch ID lock for the app itself. • Read the full privacy policy linked below - it's three minutes and we mean every word. WHAT'S IN VERSION 1.0 Welcome flow with 8 preset project types (or your own). Editable user name and project name. 5 tabs: Home, Valuation, Trends, Costs, Balance. CalloutCard pattern for Break-even, FCF, and key signals. Inline charts: line, donut, ring gauge, sensitivity grid. Invoice library with PDF/image upload, preview, share. Summary export to PDF + PNG with live timestamp. iOS 26 Liquid Glass on the bottom navigator. CloudKit sync. iCloud Key-Value Store sync for your name. Optional biometric lock. JINU is named after a sled dog. The husky on the icon is the spirit of the app: get up early, do the hard work, make it look easy. Support: [mpo.anjo@gmail.com]