eQUB vs Ledgerly

Equb is an alternative means to achieve saving and improve access to credit by rotation of savings. Individuals agree to pool their savings for a defined period of time to jointly save by creating an eQub. Members, who participate in an eQub, are called eQubers. They make payments every round which will be collected and given to a randomly chosen lottery winner who will claim the collected money. An administrator, who collects money from all members, is called Head eQuber/Seb-sabi. The lottery is drawn on each round and every member will win the lottery exactly once in a given cycle. Members will eventually win all the amount they have paid in all the rounds. The winning amount is the sum total of all the contributions from the members of the eQub. All transactions are made in ETB (Ethiopian Birr). Payments are collected from eQubers into a pooling account managed by Equb Financial Technologies PLC. When a winner is picked by the random lottery, the money can be claimed by the user into an account of their choosing that is set up when they join an eQub. eQub app is the first app that helps you dip into your future savings. It allows you to conveniently setup & manage your personal & eQub groups in a few taps. Stay on top of your savings. See how your money revolves. Terms of Service: https://shorturl.at/AKMR4

Ledgerly is a privacy-first personal finance app that helps you track your net worth, manage your money, and understand your financial health—all from your iPhone. Whether you're tracking everyday expenses, managing multiple bank accounts, monitoring investments, or building long-term wealth, Ledgerly gives you a complete picture of your finances in one place. Track income, expenses, transfers, budgets, savings goals, assets, liabilities, investments, and receivables. Organize your finances across cash, bank accounts, credit cards, mobile wallets, and cryptocurrency while keeping everything consolidated into your preferred base currency. MULTI-CURRENCY FINANCE Manage money in multiple currencies with automatic exchange rate conversion. Track local and foreign accounts side by side, use official exchange rates, or enter your own custom rates for complete control. NET WORTH TRACKING See how your finances evolve over time with a detailed net worth dashboard. Monitor assets, liabilities, investments, and cash balances while understanding how each contributes to your overall financial position. FINANCIAL HEALTH INSIGHTS Go beyond budgeting with powerful financial analytics. Track cash flow, liquidity, investment performance, spending trends, income progress, and foreign exchange exposure through a customizable dashboard designed to help you make smarter financial decisions. EXPENSE TRACKER & BUDGET PLANNER Stay on top of your spending with fast transaction entry, category tracking, recurring budgets, and budget alerts. Understand where your money goes with detailed spending reports and visual breakdowns. INVESTMENT & PORTFOLIO TRACKER Monitor stock and cryptocurrency holdings alongside the rest of your finances. Track cost basis, profit and loss, portfolio performance, and how investments affect your net worth. SAVINGS GOALS Create financial goals, track progress, contribute funds, and stay motivated with reminders and milestone tracking. OFFLINE-FIRST & PRIVATE Ledgerly works without an account, subscription login, or cloud dependency. Your financial data stays on your device and remains under your control. Biometric protection and Privacy Mode help keep sensitive information secure. FEATURES • Net worth tracker • Expense tracker and money manager • Budget planner with alerts • Multi-currency wallets and accounts • Investment and portfolio tracking • Stock and crypto monitoring • Savings goals and progress tracking • Financial health analytics • Cash flow and spending insights • Asset, liability, and receivable tracking • Offline-first local storage • JSON backup and restore • CSV exports • Face ID and Touch ID protection Whether you're managing a personal budget, tracking investments, building an emergency fund, or working toward financial independence, Ledgerly helps you understand your money and grow your wealth with confidence. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://novarch.lol/ledgerly-privacy