Monkey Exchange vs Juntei

A Monkey nasceu com um propósito: melhorar a saúde financeira das pequenas e médias empresas e ampliar o mercado de crédito no Brasil. As nossas soluções conectam grandes empresas, que são nossos clientes, e seus fornecedores, junto a instituições financeiras, para ajudar a encontrarem as taxas mais justas para antecipar as suas notas fiscais. E para você que já é um fornecedor cadastrado na nossa plataforma, basta instalar o aplicativo e passar antecipar os recebíveis sempre que estiverem disponíveis.

Saving money is hard because "put aside $10,000" doesn't fit in your head. Juntei breaks your goal into a table of numbers — 1, 2, 3, 4… — that add up to exactly what you want to save. You're not saving ten thousand: you're closing number 37 today, 94 tomorrow, and one day the table runs out. It's the Gauss sum, the one he worked out as a schoolboy: 1+2+3+…+141 comes to $10,011. Every number is a different instalment, and that's what makes it work: you decide how much you want, and can, put aside that day. HOW IT WORKS 1. Tell it how much you want to save. Any amount, from 1 to millions. The app builds the table. 2. Money left over today? Type in how much you saved. 3. The app shows which numbers that money fits, and you pick the strategy: • Relief: start with the big numbers. Fewer cells, but the hard ones die first and the rest of the journey keeps getting easier. • Warm-up: start with the small ones. More cells filled, more visible progress, usually more motivating at the start. 4. Can't close a whole number? Close half of it. $5 fills 1 and 2 and leaves 3 at 67%, and the cell shows partly full on screen. TWO WAYS TO SEE PROGRESS Money is one thing, cells filled is another, and the gap between them is what keeps you going. At $1,583 out of $10,011 you have 15.8% of the money, but you've already closed 38 of 141 numbers: 27% of the table. The app always shows both. DAILY REMINDER One nudge at the time you choose, to save whatever the day left over. The alarm belongs to your device: it goes through no server at all. TROPHIES First number, first hundred, halfway table, highest number closed, days in a row. The streak doesn't break the first day you forget, it goes at risk, and you get a chance to save it. YOUR DATA IS YOURS Juntei runs on your device. No sign-up, no login, no email, no password. We don't ask for bank access: you type what you saved, the app does the maths. Nothing is sent to us, we don't even have a server to send it to. Moving to a new phone? The app writes a backup file when you ask. PROFILES A table for you, one for your kid, one for a trip. Each profile has its own goal and its own trophies. FREE, AND PLUS One profile and one table are free forever, no trial that expires, no catch; the free plan shows a small ad at the bottom. Juntei Plus removes the ads and unlocks unlimited profiles and tables, along with Plus-only colours and trophies. One-time purchase, no subscription, and a fair price. Portuguese, English, Spanish and Italian. The currency is the one where you created the table. Juntei is not a bank, not a broker, and pays no interest. It's a table, some arithmetic, and a daily nudge.