Kobsol vs Divy It Up

KobSol – The Future of Lending Circles KobSol is a modern financial app that brings the trusted tradition of “Sol” group savings into the digital age. Designed for individuals with limited or no credit history and those already participating in informal lending circles or “Susu” groups, KobSol makes it easy to save, borrow, and build credit—all in one secure and transparent platform. With digital lending circles, users can easily contribute and receive funds while their activity helps build real credit history, opening doors to greater financial opportunities. The app also includes built-in financial education courses to help users learn how to manage, save, and grow their money. In addition to lending circles, KobSol offers integrated banking tools such as digital checking and savings accounts, credit cards, and more. Members also gain access to exclusive discounts on credit monitoring, identity theft protection, and other essential financial services. Built by finance and tech experts who understand the needs of underserved communities, KobSol is focused on empowering users with culturally-rooted tools for financial success. With 7 in 10 Americans lacking even $1,000 in savings, KobSol offers an essential solution for building wealth and creating equity through community collaboration. Join the movement—download KobSol today and take control of your financial future, together. Learn more at: www.kobsol.com

Managing money with friends shouldn’t be messy. Perfect for roommates, trips, clubs, and teams managing shared money. Divy It Up is the easiest way to split expenses, track shared money, and stay fully aligned with your group — whether it’s roommates, trips, or ongoing shared finances. If you’ve used apps like Splitwise, you’ll immediately feel the difference: Divy It Up isn’t just splitting bills — it’s full financial transparency for groups. And you can settle the finances directly in our app. Group Financial Transparency Know exactly where your group stands at all times. • See who has paid and who hasn’t • Track every expense across your group • Always know balances — no guessing, no confusion Smart Group Settlement Settle up faster, with fewer payments. • Automatically calculates the simplest way to settle balances • Minimizes the total number of transactions across the group • Eliminates circular payments and unnecessary back-and-forth Intelligent Expense Splitting Handle real-world scenarios without friction. • Equal, weighted, percentage, or custom splits • Easily manage rent, utilities, groceries, travel, and more • Built for ongoing group finances — not just one-time trips Payment Accountability No more awkward reminders. • Clear visibility into who owes what • Real-time status across all expenses • Built-in accountability without the friction Built for Real Life Fast, simple, and designed for how people actually share money. • Log expenses in seconds • Clean, intuitive interface • Works for roommates, teams, clubs, and friend groups Stop guessing. Stop chasing payments. Start managing group finances the right way.