Lula vs FORUS Connect Mobile

Lula offers fast, flexible funding plus the tools your business needs to boost your business growth. Transform your business's cash flow with Lula. This all-in-one app brings fast funding and powerful cash flow management tools together to give you everything you need to keep your business moving, growing, and thriving. Key Features: Business funding access: Apply for and manage your Cash Flow Facility (CFF) portfolio directly within the app. That means efficiency at your fingertips, on your terms.

FORUS Connect - One wallet. Every merchant. Everywhere. FORUS Connect is a next-generation mobile wallet built for the way the world actually moves money. Whether you are paying at a local merchant, sending funds across borders, managing a prepaid card, or earning crypto rewards - FORUS Connect brings it all together in one secure, beautifully designed app. PAY ANYWHERE WITH QR Scan any FORUS merchant QR code to pay instantly. No card swipe, no cash, no friction. Generate your own QR code to receive payments from anyone on the network. GOODFORUS CARD - YOUR PREPAID CARD, ISSUED INSTANTLY Apply for a GoodFORUS Virtual or Physical prepaid card powered by Stripe Issuing. Set spending limits, freeze and unfreeze, top up from your bank card or eZAR wallet, and view real-time balance - all from the app. Card details are revealed only through Stripe's PCI-safe interface. Your PIN and PAN are never stored. SEND MONEY WORLDWIDE Transfer funds to 8 or more countries including the United Kingdom, India, Brazil, Vietnam, Sri Lanka, Hungary, South Africa, and Nigeria. Live exchange rates, transparent fees, and real-time transfer status - all in a few taps. MAHALAX XRPL REWARDS WALLET Every qualifying payment earns you MahalaX (MHX) tokens on the XRP Ledger. Watch your balance grow, track your loyalty tier from Bronze to Silver to Gold to Platinum, and send or receive MHX directly from the app - no third-party wallet required. STABLECOIN HUB Buy, hold, and cash out USDC, USDT, and EURC. On-ramp from local mobile money or bank transfer. Off-ramp back to ZAR. Full transaction history filtered by asset. COUNTRY PAYMENT RAILS Pay like a local anywhere in the world: - UK: Stripe card, Open Banking, GoCardless Direct Debit - India: UPI QR, GPay, PhonePe, Paytm deeplinks, EMI instalments - Brazil: Pix QR with countdown timer, Boleto barcode, Parcelamento - Vietnam: VietQR, MoMo, ZaloPay, VNPAY, 9Pay - Sri Lanka: PayHere, LankaQR, WEBXPAY, OnePay - Hungary: Barion, OTP SimplePay, qvik QR TRANSIT PURSE Load your CIPURSE transit card for offline bus and taxi payments. Top up in seconds, view trip history, and manage your card - no separate transit app needed. BANK-GRADE SECURITY - Face ID and Touch ID lock with no bypass paths - Biometric setup prompt on first login - Email OTP two-factor authentication - PCI-DSS tokenised card storage - raw card data is never held by FORUS - All data encrypted in transit and at rest KYC IDENTITY VERIFICATION Verify your identity with Didit, a regulated KYC provider, to unlock higher limits, wallet linking, and all payment features. The process takes under 2 minutes. MERCHANT TOOLS Generate dynamic merchant QR codes with custom amounts, currencies, and invoice references. View your merchant dashboard with transaction volume, recent payments, and exportable reports. WHITE-LABEL READY FORUS Connect is the consumer face of the FORUS platform - a regulated payment orchestration layer used by businesses, universities, transit operators, and community organisations across Africa and beyond. WHAT'S INCLUDED - QR scan-to-pay at FORUS merchants - GoodFORUS prepaid card (virtual and physical) - Cross-border remittance to 8 or more countries - MahalaX XRPL rewards wallet - Stablecoin hub (USDC, USDT, EURC) - 7 country payment rails - CIPURSE transit purse - Recurring payments and subscription management - Full transaction history with export - Sweepstakes and loyalty programme - GoodFORUS charity giving - Referral programme - Admin dashboard for merchants FORUS Connect is operated by FORUS Card Services N.V. Payments are processed by Stripe (PCI-DSS Level 1), eZAR Network, and regulated rail connectors. This app is not a bank. Funds held in wallets are not covered by deposit insurance.