Munifi vs Sublync

Munifi - Municipal Bond Investing for Everyone If it’s not Munifi, it’s not for municipal bonds. Munifi turns complex municipal-bond investing into a simple, personalized experience. Our AI-driven platform scans the entire muni market in real time, matches each bond’s community impact with your values and location, and optimizes for maximum federal- and state-tax savings. The result: steady, tax-free income that helps build the places you care about most. TAX-FREE INCOME - Identify bonds exempt from federal and state taxes to maximize after-tax yield - See estimated tax savings before you invest MORE INCOME THAN CDs - Tax-exempt yields can beat the top online CD rates by hundreds of basis points once you factor in state + federal savings. SUPER-SAFE APPROACH TO INVESTING - We restrict portfolios to investment-grade issuers with historically low default rates - Bonds are titled to you, in your own separate account, and held at Apex Clearing - Your investment is SIPC insured up to $500,000 so you don’t have to worry about your broker-dealer/custodian AI-DRIVEN BOND SEARCH - Proprietary models scan 100k+ munis all day long for yield, credit quality, and call risk - Instant, personalized ladders: no spreadsheets, no guesswork COMMUNITY IMPACT - Every bond includes a plain-English project story (library, senior housing, light-rail, etc.) - Search by causes: green energy, local schools, veterans, children’s hospitals, and more. SECURE CUSTODY - Assets held with SIPC-protected custodians; 256-bit encryption on every transaction - Two-factor authentication and we don’t sell your personal data to anyone HOW IT WORKS - Create Profile: Where you live, your taxable income, and causes you care about. - Review Recommendations: AI driven recommendations fit your profile - Fund & Earn: Start collecting tax-exempt income immediately - Grow & Reinvest: Add cash anytime; Munifi sources new bonds automatically KEY FEATURES - ZERO account minimums - MILLIONS of bonds analyzed daily - FOLLOW issuers and communities you care about - MATCH based on horizon and cashflow - OPTIMIZE your taxes through tax-free investing DISCLOSURE Municipal securities carry risk, including possible loss of principal. Interest may be subject to AMT or state tax in certain cases. SIPC insurance applies to the custodian, not the municipal issuer. Always consult a tax professional. Download Munifi and turn your portfolio into progress.

Sublync Financial tools built for creators. Receive, manage and spend with ease. Whether you work with agencies, brand partnerships, or online platforms, Sublync gives you one simple place to manage your money. No unnecessary complexity. Just a modern account designed for creators. Receive, hold, spend and send If you work with an agency using Subbal, your earnings are automatically sent into your Sublync account, while the agreed revenue share is automatically allocated to your agency. This removes delays and eliminates manual invoicing and calculations. One account for your earnings Receive, hold, and manage your money from a single account, making it easier to manage income as your audience grows. Spend anywhere Use your physical or virtual Sublync card for day-to-day spending, or online, around the world. For your everyday spending, subscriptions and transactions, Sublync has you covered. Pay with your phone Add your card to Apple Pay and make secure payments using your smartphone or compatible device. Fast, simple, and convenient. Move your money easily Send and receive payments locally and internationally. Move money when you need it and manage your finances with flexibility wherever you operate. Built for the creator lifestyle Creators work differently. Income can come from different platforms, partnerships, and audiences around the world. Sublync is designed to make managing that income simple, flexible, and easy to understand. Security you can trust Your account is protected with advanced security, including secure login and real time monitoring. Built to grow with you Whether you are just starting your creator journey or managing a global audience, Sublync provides the financial tools to support your growth.