M vs Ledgerly

M-PESA Lehulum – Fast. Inclusive. Rewarding. Welcome to M-PESA Lehulum – a lighter, faster, and more inclusive way to access financial services in Ethiopia. Whether you use a Safaricom SIM or not, you can now enjoy the convenience of M-PESA – available to everyone, everywhere in Ethiopia. Why M-PESA Lehulum? • Any Ethiopian SIM Card: Anyone can sign up and start transacting – all you need is an Ethiopian phone number. • Simple & Fast: A clean, clutter-free design built for speed and ease of use. • Low Data, Small Size: Save space and data while enjoying powerful features. Top Features • Simple Home Screen – Designed for everyday convenience. • Spin the Wheel Rewards – Win rewards every time you complete a transaction. • Send Money Anywhere – To any banks, M-PESA, mobile money providers, and more financial institutions. • Buy Airtime – Recharge for yourself or others in seconds. • Never be out of balance – Transact on M-PESA and access overdraft facilities. • Pay Bills – Electricity, water, TV and more – all in one place. • Scan to Pay – Instantly scan QR codes to pay at merchants nationwide. • Transaction History – View and track all your payments and transfers easily. Made for Everyone M-PESA Lehulum is for anyone who wants fast, secure, and reliable digital financial services – on any Ethiopian telephone network. Download M-PESA Lehulum today – because everyone deserves access to trusted, simple and rewarding financial services.

Ledgerly is a privacy-first personal finance app that helps you track your net worth, manage your money, and understand your financial health—all from your iPhone. Whether you're tracking everyday expenses, managing multiple bank accounts, monitoring investments, or building long-term wealth, Ledgerly gives you a complete picture of your finances in one place. Track income, expenses, transfers, budgets, savings goals, assets, liabilities, investments, and receivables. Organize your finances across cash, bank accounts, credit cards, mobile wallets, and cryptocurrency while keeping everything consolidated into your preferred base currency. MULTI-CURRENCY FINANCE Manage money in multiple currencies with automatic exchange rate conversion. Track local and foreign accounts side by side, use official exchange rates, or enter your own custom rates for complete control. NET WORTH TRACKING See how your finances evolve over time with a detailed net worth dashboard. Monitor assets, liabilities, investments, and cash balances while understanding how each contributes to your overall financial position. FINANCIAL HEALTH INSIGHTS Go beyond budgeting with powerful financial analytics. Track cash flow, liquidity, investment performance, spending trends, income progress, and foreign exchange exposure through a customizable dashboard designed to help you make smarter financial decisions. EXPENSE TRACKER & BUDGET PLANNER Stay on top of your spending with fast transaction entry, category tracking, recurring budgets, and budget alerts. Understand where your money goes with detailed spending reports and visual breakdowns. INVESTMENT & PORTFOLIO TRACKER Monitor stock and cryptocurrency holdings alongside the rest of your finances. Track cost basis, profit and loss, portfolio performance, and how investments affect your net worth. SAVINGS GOALS Create financial goals, track progress, contribute funds, and stay motivated with reminders and milestone tracking. OFFLINE-FIRST & PRIVATE Ledgerly works without an account, subscription login, or cloud dependency. Your financial data stays on your device and remains under your control. Biometric protection and Privacy Mode help keep sensitive information secure. FEATURES • Net worth tracker • Expense tracker and money manager • Budget planner with alerts • Multi-currency wallets and accounts • Investment and portfolio tracking • Stock and crypto monitoring • Savings goals and progress tracking • Financial health analytics • Cash flow and spending insights • Asset, liability, and receivable tracking • Offline-first local storage • JSON backup and restore • CSV exports • Face ID and Touch ID protection Whether you're managing a personal budget, tracking investments, building an emergency fund, or working toward financial independence, Ledgerly helps you understand your money and grow your wealth with confidence. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://novarch.lol/ledgerly-privacy