有拖冇欠 SettleUp vs MidasVault

- Create virtual ledgers to record all transactions in a clear manner - Rapid creation of transaction records by receipt images or speech, powered by Google Gemini AI - Share ledgers online with friends, record transactions collaboratively, and assign access rights to each friend - Ledgers can be stored and used offline in case no internet connection is available, and upload back online later - Support more than 160 currencies, fetching latest exchange rates online, or specify your own rates for each transaction - Transactions in a ledger can be in different currencies, auto-conversion to settlement currency by app - More than one payer is possible in a transaction, each payer may pay different amounts or even in different currencies - Ways to share among participants in a transaction: by proportion, by percentage, or by exact amount. Each transaction has its own way of share - Different proportion, percentage or exact amount may be specified for sharing by each participant in a transaction - Automatically calculate repayment steps in the simplest way - Generate FPS QR code to facilitate repayment (only for settlement currency in Hong Kong Dollar or Renminbi) - Statistics on daily expenditure, expenditure by participants/transaction categories available as charts (only in upgraded version) - Statistical data and raw data in ledgers can be exported as Excel files (only in upgraded version) - Maximum 3 ledgers in free version. No limit in number of ledgers in upgraded version - App created by a local Hongkonger. Cantonese/English language interfaces and light/dark modes available

Embark on your payment journey with MidasVault and unlock seamless spending worldwide! Our intuitive app simplifies virtual card applications, letting you spend effortlessly anytime, anywhere – just like traditional payments.