KOWRI vs Accrue

Kowri: The Way to Pay Kowri is your intelligent financial companion, created to simplify payments and revolutionize how you manage money across Africa. We built Kowri because financial management shouldn’t be stressful. From delayed transactions to poor support and fragmented services, we’ve all been there. Kowri changes that. Designed to work securely, seamlessly, and intelligently, Kowri is the way to pay. Everything in One App Kowri is more than a payments app—it’s a platform that connects your entire financial world. Whether you’re paying for utilities, transferring money, managing subscriptions, or buying car insurance, Kowri gives you the tools to handle it all in one place. What You Can Do with Kowri • Link All Your Accounts: Connect your bank accounts, mobile money wallets, and debit or credit cards for seamless transactions. • Make Secure Payments: Pay bills like electricity, water, or car insurance, all from your app. • Send Money Anywhere: Transfer money instantly to Kowri users, bank accounts, or mobile money wallets. • QR Code Payments: Share or receive payments effortlessly with your personal QR code. • Discover Businesses Nearby: Find and transact with local businesses that accept Kowri. • Plan for Wealth: Get personalized insights, automate recurring payments, and track your spending trends—all from a beautifully redesigned dashboard. Say goodbye to frustration. Say hello to Kowri. Download now and experience the smarter way to pay and grow your wealth. [:mav: 3.5.1]

Accrue is a compound interest calculator for a strategy quoted per trading day. Enter the gain you are aiming for each market day — 0.300% — and Accrue compounds it over the 252 days a year the market is open, then says what that comes to in the terms everyone else uses: APR, APY, and the same rate read on a calendar basis. It is one screen. Every input is a field you edit with the chart in view, and the answer moves as you type. FEATURES • The daily rate is the input, not an annual figure divided down • 252 market days or 365 calendar days, switchable — and it shows what your rate is on the other one • Contributions daily, weekly or monthly • Term in days, months or years • The chart's time scale is an input too: read the same projection in days, weeks, months, quarters or years • Drag along the curve to read any point out • A breakdown table that unfolds underneath, at whatever scale you chose • Opens on whatever you left in it • Light and dark, or follow your iPhone WHY THE DAY COUNT MATTERS A gain earned per trading day compounds about 252 times a year, not 365. At 0.300% a day that is 112.73% APY on a market basis against 198.43% on a calendar one — the same number, read two ways, and the difference only means something because the daily rate is what you typed. NOT A FORECAST Accrue projects one scenario: the rate you enter, held every single day. No strategy does that, and the app makes no claim that any rate is achievable. It is a tool for seeing what compounding does. No account, no network, no tracking. Every feature is free; the optional tips in Settings unlock nothing. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/