Lumicash Channel vs CheniFi

BePAY (Lumicash Channel) is an easiest mobile financial management service that allows customer to deposit, withdraw, transfer money, recharge, buy data plans and more in fast, safe and convenient way through the code *163# on your cell phone. To become one of the best mobile money services in Burundi, we launched the Application named as BePAY that would help you increase more experience. The App brings to our customers the best mobile money experience and through the BePAY App our customers can send and receive money to and from their loved ones, pay for commodities, access their bank accounts and be able to make other digital payments at any time and anywhere. App Features: Free register and open BePAY account Transfer money to any Lumitel customer in Burundi. Withdraw money at Lumicash Agent in your surroundings. Recharge airtime and bundles data plans with convenience QR payment with merchants. Check your balance anytime, anywhere Search agent nearby The user will be able to view promotional content in the BePAY App to see what is new in the BePAYecosystem. Security Enhancements - The user will be provided with a one time password (OTP) at every transaction whereby the OTP will be sent to the user via SMS to ensure security of the transaction. - The user’s transactions will be highly secured and situations such as theft transactions will be avoided.

CheniFi revolutionizes digital finance by seamlessly bridging traditional mobile money with blockchain technology. Unlike conventional crypto wallets, CheniFi eliminates the complexity of web3 adresses and gas fees, making Web3 accessible to everyone through familiar mobile phone interactions. TECHNICAL INNOVATIONS: • PHONE-BASED IDENTITY : Access your wallet with just your phone number—no complex seed phrases or private keys to manage. We've simplified blockchain access while maintaining robust security. • GASLESS TRANSACTIONS: Execute blockchain transactions without worrying about gas fees or network congestion. Our account abstraction technology handles the complexity behind the scenes. • EMBEDDED WALLET INFRASTRUCTURE: Powered by best in class smart wallet technology, your assets are secured by advanced MPC (Multi-Party Computation) cryptography while remaining easily accessible. STANDOUT FEATURES: • BORDERLESS TRANSFERS: Send digital currency to anyone globally using only their phone number—no wallet addresses needed. Recipients without accounts receive automatic setup instructions. • STABLECOIN FOUNDATION: Focused on stablecoins access, providing the stability of traditional currency with the advantages of blockchain. • DeFi YIELDS: Access institutional-grade DeFi earning opportunities without technical knowledge. Earn passive income on your digital assets through our curated yield strategies—democratizing financial opportunities previously available only to crypto experts. • REFERRAL ECOSYSTEM: Earn commissions on referred users' deposits monthly, creating sustainable passive income through network growth. • MULTI-LANGUAGE SUPPORT: Available in English, French, Spanish, Portuguese, Swahili, and Arabic, making blockchain accessible across diverse communities. • INTUITIVE MOBILE EXPERIENCE: Designed specifically for mobile users with familiar interfaces that require no blockchain knowledge. CheniFi represents the next evolution in financial inclusion—bringing the unbanked and underbanked populations onchain without requiring technical expertise. We've eliminated the traditional barriers to cryptocurrency adoption: complexity, gas fees, and unfamiliar interfaces. Whether you're sending money to family across borders or for trade settlement, storing value securely, or building a network of users through our referral program, CheniFi provides enterprise-grade blockchain security with the simplicity of traditional mobile money. Join the movement bringing millions of mobile money users onchain. Download CheniFi today and experience the future of accessible digital finance. Note: CheniFi operates in compliance with applicable regulations. Some features may vary based on your location.