3O5 Escrowly vs PreSpend

Make secure payments and receive payments securely with 3O5 Escrowly, a financial service designed for Nigerians. Whether you are buying or selling, Escrowly ensures peace of mind and protection for all your transactions. How to Use: 1. Download and Sign Up: Get started by downloading the 3O5 Escrowly app. Sign up with your details and verify your account. 2. Create Transactions: As a buyer or seller, you can initiate secure transactions by creating a transaction within the app. Specify the details, including the items or services involved and the agreed-upon terms. Ensure both parties agree before proceeding. 3. Hold Funds Safely: Once the transaction is initiated, the buyer securely pays the agreed-upon funds plus any processing fee if applicable. Funds will be held securely in Escrowly until both parties confirm completion. 4. Client Management: Now you can add and manage your clients all within the Escrowly app. Keep your contacts organized! 5. Deposit Feature: We understand the need for flexibility in payments. Send up to 50% as a deposit and reassure your sellers without paying in full upfront. 6. Seller's Submission: If you're the seller, provide proof that the item has been shipped or the service has been rendered. This step ensures transparency and accountability. 7. Buyer's Approval: As the buyer, review the item or service. If you're satisfied, acknowledge the delivery within the app. 8. Complete Transactions: Upon fulfillment of the transaction terms, funds are released accordingly, ensuring a fair and secure process for both buyers and sellers. 9. Dispute Resolution: In the rare event of a dispute, our dedicated team will review the case and make appropriate decisions to ensure a fair resolution for all parties involved. 10. Enjoy Peace of Mind: With 3O5 Escrowly, you can transact confidently, knowing that your funds are protected until the transaction is completed. Features: - Secure Service - Easy Transaction Creation - Transparent Communication - Secure Payment Method - Secure Deposit - Client Management - Easy Release of Funds - Reliable Dispute Resolution - 24/7 Customer Support Any feedback? Reach us at escrowly@3o5tech.com

With PreSpend, you're in control of your spending — impulse isn't. Plan your money in wallets, set limits, and protect what's meant for rent, food, and family. PLAN YOUR MONEY Every naira you deposit lands as unplanned money first. Then you decide where it goes — Food, Transport, Rent, Savings, whatever matters to you. Create wallets for each purpose and split your money with a plan. TRANSFER & PAY Send money to any Nigerian bank account. Buy airtime or data. Pay electricity and cable bills. All from the same app, all drawing from the right wallet. SPENDING WALLETS — YOUR EVERYDAY MONEY Daily spending lives here. Set daily limits so you don't blow through your budget before the week is over. Uncle is watching. COMMITMENT WALLETS — MONEY YOU'VE PROMISED Rent. School fees. Family obligations. Money in a Commitment wallet waits 6 hours before it can leave. That cooling period is the whole point — it stops you from touching money you've already decided to use elsewhere. ASSET WALLETS — MONEY YOU'RE GROWING Your savings and long-term money. A 24-hour waiting period means you have to really mean it before anything moves. Lock funds until a future date if you want to take it even further. THE VAULT — YOUR SERIOUS MONEY The Vault is for money you don't want to see unless it's an emergency. Deposits above ₦10,000 automatically move 5% into your Vault. To get it out, you start an emergency release and then wait, because that's the point. Your first vault break each month is free. SAFE & PROTECTED Powered by Safe Haven MFB. Licensed by the CBN. Insured by the NDIC. Your money isn't just sitting somewhere — it's protected.