Spendify vs Zedcrest Wealth

Most people don't struggle with money because they're bad at it. They struggle because nobody gave them a simple, honest tool to actually see where it's going. Spendify changes that. Whether you're managing a household budget, running a small business, tracking savings goals, or just trying to understand where last month's money went — Spendify makes it easy to record what comes in, understand what goes out, and finally know what you actually keep. —————————————————————————— RECORD MONEY IN SECONDS — HOWEVER WORKS FOR YOU —————————————————————————— No more forgetting transactions. Capture income and expenses the way that feels natural: • Say it — speak your transaction and Spendify records it • Snap it — photograph or upload a receipt • Type it — quick manual entry when you want control • Upload it — bank statements, documents, files One tap. Done. Move on with your day. —————————————————————————— WALLETS — KEEP EVERY PART OF YOUR MONEY LIFE SEPARATE —————————————————————————— Most people manage more than one money situation at a time. Spendify lets you create separate wallets for each one: • Personal and household spending • Business income and expenses • Savings goals • Side projects, programmes, or anything you choose to name Everything stays organized. Everything stays clear. —————————————————————————— BANK STATEMENT ANALYZER —————————————————————————— Upload any bank statement and get a clean, structured breakdown — transactions sorted, spending patterns surfaced, your financial story told in plain language. No more squinting at rows of numbers wondering what actually happened last month. —————————————————————————— OLA — YOUR AI FINANCIAL ASSISTANT —————————————————————————— Ask OLA anything. Record a transaction by talking. Get a plain-language explanation of your finances. Understand your cash flow without needing an accounting degree. OLA meets you where you are — in conversation, not in spreadsheets. —————————————————————————— INVOICES AND RECEIPTS —————————————————————————— Create and send professional invoices and receipts directly from the app. Track what's been paid and what's outstanding. Look like you mean business — because you do. —————————————————————————— REPORTS AND DASHBOARDS —————————————————————————— At any moment, know: • Where your money is coming from • Where it's going • How your budget is holding up • How your business is actually performing Clean, visual, readable in seconds. No accountant needed to interpret it. —————————————————————————— BUDGETING AND FINANCIAL PLANNING —————————————————————————— Set budgets that actually work. Track them in real time. Plan ahead with tools designed for how people actually think about money — not how textbooks say they should. —————————————————————————— TAX CALCULATOR AND FINANCIAL UTILITIES —————————————————————————— Quick tools for everyday financial calculations — tax estimates, spending breakdowns, financial summaries — all without leaving the app. —————————————————————————— BUILT FOR PEOPLE OTHER APPS LEFT BEHIND —————————————————————————— Most money apps assume you already have a finance background, an accountant, or a lot of spare time. Spendify was built for everyone else: • People managing household money, many for the first time • Micro and small business owners who can't afford a bookkeeper • Entrepreneurs who need clean records but hate business jargon • Newcomers building financial habits in a new country • Anyone who has ever looked at their account and thought — "where did it all go?" —————————————————————————— YOUR MONEY. YOUR DATA. YOUR CONTROL. —————————————————————————— Spendify is built with your privacy at its core. You decide what gets shared and with whom. Your individual financial records stay yours. ——— Stop guessing about your money. Start understanding it. Download Spendify — track it, manage it, grow it. www.spendify.ca

Your trusted partner that helps you grow, invest, and learn about money. The best investment app on the planet! Zedcrest Wealth is a wealth management app designed to help you grow your money, hit your financial goals, and earn rewards along the way. As an SEC-licensed asset management firm, we give you access to a secure, regulated platform to build real, lasting wealth. Product offerings and key features: Plan for your short-term and long-term goals: Wealth Box: Build an emergency plan without restrictions, withdraw anytime, and earn competitive interest rates. Link your debit card for seamless automated deposits. Aspire: Got a big goal? Set a target, pick a timeline, and set up auto-deposits to smash your targets! Vault: Build discipline with a strict plan. Lock your funds until maturity and watch your money grow untouched. No withdrawals, no exceptions. Auto-deposits & auto-reminders: Add your debit card to stay consistent with automated deposits. Get scheduled push notifications and email reminders that keep you on track. Invest and build wealth smarter: Mutual funds: Explore a range of short-term, low-risk investments in local and global markets, carefully curated for steady growth. Fixed-income investments: Earn steady, predictable returns through short-term, low-risk instruments. Choose from government-backed treasury bills or commercial papers and let your capital work for you. Ethical portfolio: Invest in line with your beliefs and values. Our ethical portfolio offers stable returns while supporting responsible and principled businesses. Stocks: Buy and sell NGN and US stocks with ease. Seamlessly switch between your asset management and stockbroking profiles, all in one app. Auto-invest: Set it and forget it. Automate your investments and stay focused on what matters most to you. Turn your phone into a digital wallet: Store money in your Wallet within the app. Fund your growth plans and investments in naira and dollars. Get local and global opportunities, right at your fingertips. Withdraw funds seamlessly from your Wallet to your naira or dollar bank account. Know your investment personality: Take our Risk Assessment Test to discover your investment personality. Answer a few quick questions and get personalized investment recommendations tailored to your goals and risk appetite. Sharpen your financial skills Zedcrest Wealth Academy: Level up your financial knowledge with bite-sized lessons on investing and personal finance. The more you learn, the better decisions you make. Weekly Finance Quiz & Tournaments: Test your financial know-how every week and sharpen your money mindset. Tournaments: Create or join tournaments to compete with friends and others on all things finance. Financial Insights: Stay up to date with the latest financial and economic news, curated for the everyday investor. Earn rewards and have fun Game Center: Turn every action into a reward. Earn coins for investing, referring friends, top-ups, and more. The more active you are, the more coins you earn. Gift Shop: Redeem your coins for discount vouchers on food, transport, and entertainment. Communities & Buddies: Investing is better with friends. Invite friends, share goals, and grow together.