FLIZpay vs Valua

Pay with FLIZ. Get rewarded. Stop carrying the hidden cost of expensive payments. FLIZ is a German payment method that helps you save money when you pay. By choosing FLIZ at participating partner shops or buying deals in the app, you receive instant cashback on eligible purchases – funded by lower payment costs and partner offers. FLIZ is free for you to use. Instead of storing card details, you securely connect your bank account in the app and keep full control. Payments involve only you, your bank and FLIZ. WHAT YOU GET • Save when you pay Receive instant cashback or discounts at participating partner shops. • Discover rewarding offers Find deals from partner shops and brands you already know and love. • Free for consumers Pay and save with FLIZ without consumer payment fees. • Secure bank-based payments Connect your bank account instead of storing a card, and authorise payments securely through your banking app. Your banking password stays with you alone. • Everything in one app Discover offers and keep track of your payments and savings in one place. • Lower costs, shared benefits Traditional payment fees ultimately affect the prices consumers pay. FLIZ reduces these costs for merchants, enabling partners to share more value with their customers. • Built in Germany for Europe Choose a local alternative to global payment networks – shaped by European privacy standards and designed to keep payment infrastructure, data and value closer to home. HOW IT WORKS 1. Download the app and create your account. 2. Securely connect your bank account. 3. Pay with FLIZ at participating partner shops, or buy deals in the app. 4. Receive instant cashback on eligible purchases and track it in one place. FOR BUSINESSES Want to offer FLIZpay as a payment method? Create a business account at app.flizpay.de. QUESTIONS? Get in touch at info@flizpay.de Cashback, discounts, supported banks and merchant availability may vary. Offers apply only to eligible purchases and participating partners.

Valua is about your most valuable currency: time. It shows how many work hours each purchase costs and helps you make more conscious decisions about spending and income. Widgets • Life Countdown widgets in three sizes show remaining lifetime • Customize displayed time: exclude work, sleep, or custom activities • Set retirement date for accurate free time calculations • Real-time updates with progress indicators How it works • Money → hours of life: every expense shows its share of income and the work-time equivalent. • Reality-aware: inflation and exchange rates are factored into calculations and charts. • Clear visuals: income/time scale, salary trend, period-to-period comparison. Expenses • Three base categories: Want, Own, Owned. • Personal folders and 13 inflation categories (headline + 12 groups). • Subscriptions, goods, and services tracked with both money and time impact. Income • Work contracts in multiple currencies and periods. • Recalculation with inflation and FX (when base currency differs). • Salary chart to see if purchasing power is truly rising. Markets • Historical/current FX rates, popular cryptocurrencies, and precious metals. • Charts for currency pairs and category inflation for primary/secondary regions. Life Expectancy • Remaining-time estimate by sex, birth date, and region. • Custom life expectancy date option alongside calculated estimate • Configure work hours, sleep, and personal time for free time analysis • Add loved ones to appreciate shared time. Tools • New: Gross-Net Salary Calculator for Germany. -Calculate net monthly and annual income from gross salary. -Detailed breakdown of taxes and social contributions (Pension, Health, Care, Unemployment). -Visual charts showing the tax burden distribution. -Support for all Tax Classes, Church Tax, and Child Allowances. -Insights into Employer's total cost. • Convert time units to/from decimal. • Time-between-dates calculator. • PIN and Face ID/Touch ID protection. Privacy • All user data is stored on device, no third-party sharing, no cross-device sync. • No ads. Getting started • In Settings, set net income, work time, currency, and region; enable the income/time scale. • Use the Calculator (Settings → Taxes) to compute your precise net income. • Add Life Countdown widgets to your home screen for daily reminders. • Add expenses to see their cost in hours of life. • Create a contract in Income to track real trends with inflation and FX. Disclaimer: Valua is not financial advice; it's a visualization and self-reflection tool. Terms of Use (EULA): https://gist.github.com/silencepeaceoff/09f7c3590815114c8fcd779e0ac6f121 Privacy Policy: https://gist.github.com/silencepeaceoff/cf38abf1f5d0ad01f00a37f6c7bc68d7