RichCodeWorld Card (RichCard) vs CitizenWealth

RichCodeWorld Card (RichCard) is the clients' version of the workers' App: RichCodeWorld Work (RichWork). RichCard has a combination of Freelancers(remote workers) and on-demand service providers(onsite workers) hiring and Fintech features. RichCard is for clients to hire onsite and remote service providers who applied for a work they posted and clients can also order the service a richworker posted if he needs such service. FEATURES OF RICHCARD: FINTECH FEATURES: __Virtual Accounts: You can get virtual accounts on RichCard for funding your wallet for transactions, after completing your KYC if virtual account is supported for your currency. __USD Virtual Cards: You can create virtual USD Mastercard and USD Visa card on RichCard, and use it for card transactions, such as online purchase, payments and subscriptions. __Bank Transfers You can send money, from your wallet to a bank account, if the feature is available for your currency. __Bill Payments: You can make bill payments such as: Airtime purchase, Data bundle purchase, CableTV subscription, Electricity and other Utility bills payments. __Multicurrency Wallet: Your account automatically has 4 wallets for transactions, Your local currency wallet + USD, GBP, and EURO wallets. __Currency Conversion: You can convert money between any of the 4 currencies in your account, from one currency to another. HIRING FEATURES: __Onsite Hiring: You can post onsite work and the services you need for richworkers to apply for your onsite work and you can hire your richworker of choice, and you can also order for already posted onsite service on RichCard, if it is an onsite service you need. __Remote Hiring: You can post remote work and the services you need for richworkers to apply for your remote work, you can hire your richworker of choice, and you can also order for already posted remote service on RichCard, if it is a remote service you need. __Multi Currency Payment: For each work you need done, you can pay in any of your 4 currencies, depending on the currency you want to pay for the work with.

Your money shouldn’t lose value while it sits. And it shouldn’t cost a fortune to send home. CitizenWealth is a borderless financial platform for global communities. Hold stable currencies, save together with your community across any border, and send money home - all from one app. HOLD THE WORLD'S STRONGEST CURRENCIES • Open a digital wallet in minutes. Hold USD and EUR — stable value, backed by regulated custodians. • Fund via bank transfer (ACH, Faster Payments, SEPA) or mobile money. No minimum balance. No maintenance fees. SAVE TOGETHER — ACROSS ANY BORDER Digitize your stokvel, chama, tanda, esusu, tontine, or paluwagan. CitizenWealth savings clubs support up to 50 members worldwide and offer flexible club types: • Rotating Payout — the classic structure, now in stable currencies • Shared Goal — pool funds for property, education, or business • Emergency Fund — a community safety net with transparent payouts • Investment Club — grow together and save towards investing for something big Every contribution is tracked on a real-time transparent ledger. Multi-admin governance, auto-pay scheduling, activity feeds, and milestone celebrations keep your group organized and connected - even across time zones. SEND MONEY HOME FROM 1% • Transfer funds to 20+ countries across 12+ African corridors. • Recipients get paid in local currency via bank transfer or mobile money. • No hidden fees. • Zero recipient fees. • Real-time tracking from send to receive. EARN REWARDS ON YOUR SAVINGS • Get cashback rewards on what you save — up to 3%, credited daily and paid out monthly. • No lock-up. • No minimum balance. • Current reward rates and eligibility are shown in the app before you opt in. BUILT ON TRUST, NOT PROMISES • Fund segregation — your money is never lent or invested without consent • Every fee visible before you confirm — no surprises TWO SIMPLE PLANS • Basic (free): Full access to wallets, savings clubs, and transfers. • Pro ($9.99/month): Lower fees on every transaction, external sends, and priority support. WHO IT’S FOR • Diaspora families sending money home and saving together across borders • Savings club organizers tired of spreadsheets and WhatsApp disputes • Freelancers and remote workers earning in USD, GBP, or EUR • Anyone who wants their savings to hold value — not lose it Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://citizenwealth.app/privacy