cred.ai Pro vs Zonely

cred.ai Pro is a custom VIP experience available exclusively to employees and members of select large organizations and employers. Replace your debit card with cred.ai Pro. Premium stealth cards, cutting edge tech, and automatic credit optimization. Setup direct deposit, access your paycheck early**, and spend on a high-tech card loaded with exclusive features like check please, repeat defender, and friend and foe. You can also use self destructing digital cards when you give your card info over the phone, for late night online shopping, or random “free” trials. Just Regenerate them when you feel unsafe. Spend like you're using a debit card, while automatic credit optimization makes you look like a credit rockstar*. Connect other banks and fintechs, deposit checks, get cash at 55k+ free ATMs***, with 24/7 support, and you're guaranteed you'll never pay fees or interest. Only members or employees of select specific organizations will be able to use the cred.ai Pro app. Ask your supervisor or organization's HR department about how to get access to cred.ai Pro. If you are not a member or employee of an organization with access to cred.ai Pro, you can download the public cred.ai app by visiting cred.ai/app. †cred.ai is a financial technology company, not a bank. The cred.ai Deposit Account is provided by WSFS Bank, Member FDIC. Deposits are insured up to $250,000 per depositor. FDIC insurance only covers the failure of an FDIC-insured bank. FDIC insurance is available through pass-through insurance at WSFS Bank, Member FDIC, if certain conditions have been met. The Unicorn Card credit card is issued by WSFS Bank pursuant to a license from Visa® U.S.A. Inc. and may be used everywhere Visa® credit cards are accepted. * cred.ai cannot account for all variables in your financial life or changes to reporting practices. Increases or specific changes to your credit score are not guaranteed. ** Accessing your direct deposit funds early depends on the timing and schedule of when the payer submits the deposit. We generally will allow you to access the spending power of those deposits on the day the deposit file is received, which could be up to 2 days prior to the scheduled payment date. *** You can locate free ATMs using the FREE ATM finder located in your cred.ai Pro mobile app. ATM withdrawals are cash advances against the Unicorn Card credit card, and while they are subject to the interest rates and terms outlined in the Unicorn Card Credit Card Agreement, you will not pay any interest on those cash advances for as long as you have a valid cred.ai guaranty. © 2026 cred.ai. All Rights Reserved.

Zonely - Control Center Find Better Deals. Track Your Money. Minimize Taxes. Zonely is the complete investment platform for real estate professionals. Analyze properties with AI, track your portfolio finances, and access advanced tax strategies—all in one place. MONEY DASHBOARD Your financial command center: - Real-time portfolio performance tracking - Cash flow monitoring across all properties - Equity tracking and net worth calculations - Expense categorization and tax reporting - Investment returns and ROI analytics - Profit and loss statements by property DEAL FINDER Find investment opportunities faster: - AI-powered property analysis and valuations - Market trend identification and forecasting - Cap rate and cash-on-cash return calculators - Comparative market analysis tools - Price per square foot analysis - Rental income projections and estimates TAX STRATEGIES Maximize your returns, minimize your taxes: - Depreciation schedules and calculations - 1031 exchange planning and tracking - Cost segregation analysis - Passive loss limitation strategies - Capital gains tax planning - Entity structure recommendations - Deduction tracking and optimization PROPERTY INTELLIGENCE Data-driven decision making: - Professional property valuations - Neighborhood analytics and crime data - School ratings and demographic insights - Investment projections with multiple scenarios - AR Property Scanner for instant analysis - Market appreciation forecasts COLLABORATION TOOLS Work seamlessly with your team: - Deal Rooms for every property - Share analysis with partners and investors - Document organization and photo albums - Team notes and collaboration threads - Real-time updates across all stakeholders INVESTMENT PORTFOLIO Manage everything in one place: - Multi-property tracking and monitoring - Portfolio-wide analytics and reporting - Investment timeline and milestone tracking - Performance benchmarking - Market intelligence and alerts WHO USES ZONELY? Real estate investors managing portfolios, property flippers optimizing returns, investment teams analyzing opportunities, tax-conscious investors maximizing deductions, anyone serious about real estate wealth building. THE BOTTOM LINE Real estate builds wealth when you know your numbers, find the right deals, and minimize taxes. Zonely gives you the tools professional investors use to grow their portfolios. Make smarter investments. Track your money. Keep more of what you earn.