StellarPay vs Cercora

Products available depend on where you live. Check stellarpay.app or download the app to see what's available for you. Money moves both ways. Finally. Send and receive money globally with StellarPay. Support family back home or abroad in just a few taps. Get paid from anywhere. All with low fees, real exchange rates, and transfers that arrive in minutes. — SEND & RECEIVE GLOBALLY — Send money to Senegal, Ghana, Cameroon, Kenya, Ethiopia, Côte d'Ivoire, and more Receive money back — true bilateral transfers between the US, Canada, and Africa Most transfers arrive in minutes Send via bank account, transfer, mobile money, or card — PAY LESS, SEND MORE — Save 40-60% on every transfer with AI-powered routing Real mid-market exchange rates — no hidden markups Low, transparent fees shown upfront before you send More money in your family's pocket, not ours — SEND MONEY YOUR WAY — StellarTags: Send with just a username — no account numbers needed Save recipients and repeat transfers with one tap Schedule recurring payments for rent, school fees, or support Real-time notifications track every transfer — YOUR FAMILY CHOOSES HOW TO RECEIVE — Mobile money: MTN, Orange Money, Airtel Money, M-Pesa Bank transfers: Access Bank, GTBank, Ecobank, and 50+ partner banks Whatever works best for them — RECEIVE FROM ANYWHERE — Receive money back from family — world's first true bilateral transfers including Africa! Accept funds from mobile money: MTN, Orange Money, Airtel Money, M-Pesa Receive by ACH or Interac e-Transfer right to your bank account in the US or Canada, with more coming soon. All in minutes. — YOUR MONEY IS PROTECTED — Funds held securely with licensed partners Bank-level 256-bit AES encryption on every transaction Biometric authentication — Face ID, Touch ID, fingerprint Two-factor authentication on all account activity Real-time fraud monitoring and instant alerts Freeze or lock your account anytime from the app PCI-DSS compliant payment processing Licensed and regulated money transmission — GEORGE: YOUR 24/7 ASSISTANT — Get instant help in English, French, and Spanish Check rates, track transfers, and get answers fast Available around the clock — no waiting on hold We built StellarPay because we know what it means to support family across borders. This is the app we wished existed. Download StellarPay. Send money home. Receive it back. What's New: Receive money from family directly from their mobile money wallets — finally, it goes both ways! StellarTags: Send with just a username George AI assistant for 24/7 support Real-time transfer tracking Questions? support@stellarpay.app

Cercora – Digital Savings Circle & Tontine Manager Cercora is a modern app designed to help you create and manage digital savings circles, also known as tontines or rotating savings groups. The app makes it simple to organize group savings, track contributions, manage members, and follow payout cycles in a transparent and organized way. Traditional savings circles often rely on manual tracking, spreadsheets, or group chats, which can quickly become confusing. Cercora provides a digital solution that helps groups manage their savings circles clearly and efficiently. Organize Your Savings Circle Easily With Cercora, you can create and manage a rotating savings group in just a few steps. Define contribution amounts, invite members, and keep track of group activity directly from your phone. Whether you are organizing a tontine with friends, family, or community members, Cercora helps simplify the entire process. Key Features Create Savings Circles (Tontines) Start a digital savings circle and define contribution rules, cycle structure, and group members. Invite and Manage Members Send invitations and manage your tontine members directly in the app. Track Contributions Easily monitor member contributions and keep track of who has paid and when. Manage Savings Cycles Follow contribution cycles and stay informed about the progress of each savings round. Clear Dashboard Overview See your active savings circles, recent contributions, and important updates all in one place. Organized Group Savings Keep your savings circle transparent and well organized without manual tracking. Why Choose Cercora? Cercora helps groups simplify the management of tontines and rotating savings circles by providing a centralized and transparent platform. Instead of relying on messages or manual tracking, members can easily view group progress and stay updated on contributions. The app helps bring structure and clarity to group savings activities. Important Notice Cercora is designed to organize and track savings circles. The app does not hold, process, or transfer user funds. Financial transactions between members occur outside the application. Who Can Use Cercora? Cercora is ideal for: Family savings groups Community tontines Rotating savings clubs Friends organizing group savings Anyone managing a savings circle Start Your Savings Circle Today Create your first digital savings circle with Cercora and make managing group savings easier, more transparent, and more organized.