Kobsol vs WealthMind

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

WealthMind Path is a budget planner built on the Money Jars method. Every time you get paid, your income is split into jars by percentage, so each part of your money has a job before you spend it. Your financial data stays on your phone, in an encrypted database. No bank connection, no linked accounts: you log your income and expenses yourself, and the app works without an internet connection. HOW THE MONEY JARS METHOD WORKS • Six classic jars with suggested percentages: Necessities 55%, Financial Freedom 10%, Long-Term Savings 10%, Education 10%, Play 10% and Give 5%. • Add Emergency Fund, Debt Payment or Custom jars when you need them. • Log income once and it is distributed across your jars automatically. • Record each expense from the jar it belongs to, and split one expense across several categories. • Move money between jars of the same currency with transfers. • If a new jar pushes the total above 100%, rebalance by hand, with equal cuts, or with a smart option that protects your essential jars. START IN MINUTES Pick one of 5 starter plans (Get Out of Debt Fast, Build Wealth, Balanced Living, Early Retirement and Young Professional) or design your own jars. EXPENSE TRACKER AND BUDGETS • Monthly budgets by category, with clear status as you approach the limit. • Scheduled and recurring income, bills and transfers (daily, weekly, every two weeks, monthly, quarterly or yearly) with reminders. • Full transaction history with search and filters. INSIGHTS • Income vs. expenses, balance trend and savings rate. • Spending by jar and a daily spending heatmap. • Suggested next steps based on your own numbers. GOALS, HABITS AND INVESTMENTS • Savings goals with progress tracking. • Badges and streaks that reward consistency. • Track stocks, crypto, real estate and merchandise, with profit and loss. Price updates need a connection. MULTI-CURRENCY Choose from more than 150 currencies. Each currency has its own wallet of jars, so balances never get mixed. PRIVACY AND CONTROL • Encrypted local database (AES-256). • Optional app lock with Face ID, Touch ID or your device passcode. • Export your transactions to CSV and create a backup file you keep. • Light and dark themes. Available in English and Spanish. FREE AND PRO WealthMind Path is free to use with a banner ad and up to 2 currency wallets. WealthMind Pro removes ads and unlocks unlimited currency wallets. Payment is charged to your Apple Account. Subscriptions renew automatically unless canceled at least 24 hours before the end of the period; manage them in your Apple Account settings. A free trial may be offered depending on your account. WealthMind Path is a personal budgeting tool. It does not provide financial, tax or investment advice. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/