Send vs PennyBook

Send money around the world in seconds, for free.¹ No wire transfer. No three to five business days. No waiting for the bank to open. The amount you send is the amount they get. No fee taken out, no network fee passed to you. Send is one app for all of it: a debit card, savings, stocks, and crypto in a single balance. Your money stays yours, and we never hold it. SEND MONEY AROUND THE WORLD FOR FREE¹ - Send and receive dollars in seconds, wherever your people are - Send money to family and friends abroad without the transfer fee - Send $100 and they get $100 - Pay anyone by their Sendtag, with no long address to copy - A heads up before you send to someone for the first time - No cutoff times, no weekends off, no three day hold SPEND ANYWHERE WITH THE SEND CARD² - Spend your Send balance with a debit card - Add it to Apple Pay and Google Pay and tap to pay - Real-time alerts on every transaction - No monthly fees, no hidden fees SAVE TOWARD A GOAL AND EARN ON EVERY DOLLAR³ - Create a savings goal, name it, pick an icon, and watch it fill up - Save at the same rate as everyone else, with no tier to unlock - Your rate moves with the market, not with how much you spend - No minimum balance, no lock up, no waiting to withdraw GET PAID WITH YOUR SEND PROFILE - Build a public profile with a link-in-bio layout - Put your link in a bio, an invoice, or a text - Get paid by anyone who has it, with no account number to hand out EARN BONUSES ON SEND - Earn bonuses when you refer friends to Send - Get rewarded for the things you already do in the app Create your profile. Share your link. Get paid. Send is not a bank. Send, Inc. does not custody or control user funds. Send is a non-custodial wallet, and all assets are managed directly by users via their private keys. ¹ Send does not charge a fee to send or receive money in Send, and Send covers network fees on those transfers. Fees for other services are disclosed in the app before you confirm. ² The Send card program is provided by Wirex. The card is issued by Wirex’s issuing bank pursuant to a license from the card network. Card services are subject to separate terms disclosed in the app. ³ Savings rates in Send are variable, are not guaranteed, and change with market conditions. The current rate is shown in the app. Savings rewards in Send are not bank interest and are not FDIC insured. Send does not target UK consumers with cryptoasset promotions. Future UK availability will comply with FCA rules under Section 21 of FSMA or Article 73ZA. Support: https://support.send.app Email: support@send.app Send, Inc. 101 N. Indian Hill Blvd., Suite 206 Claremont, CA 91711

PennyBook is an expense tracker and a net worth tracker in one private app for iPhone and iPad: one for what you spend every day, one for everything you own and owe. No account, no bank login, no ads. LOG IT FAST Tap +, type the amount, pick a category, save. Add a few words and the category picks itself, learning from what you filed before. Or say it: dictation runs on your device. WALLETS WITH REAL BALANCES Cash, bank accounts, credit cards, e-wallets. Every entry moves a wallet's balance, a card shows what you owe, and if the bank disagrees you adjust it with one visible entry. SPENDING, INCOME AND TRANSFERS Spending carries a minus and income a plus in every list. A transfer moves money between your wallets and never counts as spending. FIND ANYTHING, ASK ANYTHING Search every entry with a few words or an amount, and narrow it by kind, wallet, category, dates or amount. Ask PennyBook answers questions about your money with Apple Intelligence, on your device. SEE WHERE THE MONTH WENT Insights shows what you spent, earned and kept, your categories and your habits, for a week, a month, a quarter, a year or your own dates. NET WORTH Add what you own (bank and cash, deposits, PF, PPF and NPS, mutual funds and stocks, gold, your home and vehicle) and what you owe (home and car loans, card bills). See your net worth today and how it has changed over the months. Gold follows the rate you set, PF, PPF and deposits grow by their rate, and loans go down after each EMI on their own. Invest, redeem, buy or sell on any day with a note, and every move stays in History with what it left. Loans show every EMI with its interest, with prepayments and a debt-free date. Leave anything out of the total with one switch. MONEY BETWEEN PEOPLE Lent a friend money or borrowed from family? Record it with a due date, mark repayments as they come, and settle up when you owe each other. BRING YOUR HISTORY Choose the export from your old tracker, or paste a table. The file is read on your device, wallets come across, categories are matched, and you see what will happen before anything is written. One tap undoes an import. EVERYWHERE YOU ARE Widgets on the Home Screen and Lock Screen, Siri, iPad in either orientation, and optional iCloud sync to your other iPhones and iPads through your own private iCloud. PRIVATE BY DESIGN PennyBook has no networking code of its own; the only thing that ever leaves your device is iCloud sync, off until you turn it on, into your own iCloud where we cannot see it. Lock PennyBook with Face ID, hide net worth amounts with a tap, and export everything as a spreadsheet whenever you like. PAY ONCE Your first 100 entries and 10 net worth items are free; money between people is never counted. PennyBook Pro unlocks both trackers without limits with a single purchase, no subscription. Search, import, export and erase are free, always.