Uno vs KaviPay

Money for every moment. All in one app. Your app to spend, send and grow your money from your phone: a digital card, real cashback at the stores you already visit, instant transfers with no fees, and money set aside that grows in dollars. Free, without lines and without hidden costs. DIGITAL CARD FOR EVERYTHING * Digital Visa card, ready to pay with Apple Pay * Get your card 100% online in minutes from your phone * No hidden fees CASHBACK ALL AROUND YOU. UP TO 10% * Money back, not points * Earn at selected stores and categories: groceries, dining, transport, fuel, pharmacies, online shopping and more * Use your cashback for payments, transfers or what you set aside SEND MONEY TO LOVED ONES IN SECONDS * Instant transfers, available 24/7 * $0 fees, no surprise charges * Send to banks, e-wallets, or other users PAY YOUR BILLS AND GET CASHBACK * Electricity, internet, TV, tolls and more * Mobile top-ups in seconds SET ASIDE AND GROW YOUR MONEY IN DOLLARS * Earn yield in USD * Your money grows daily and gets paid weekly * Withdraw whenever you want PAY WITH QR * Pay anywhere QR is accepted, always free * Receive money with your own personal QR INVITE FRIENDS, GET REWARDS * Earn rewards for every friend who joins Some features vary by country. Download the app and manage your money in one place.

Spend Anywhere. Fund with Crypto or Naira. Pay Bills Instantly. KaviPay makes managing your money simple and secure. Get instant access to virtual VISA, Mastercard, Verve and Afrigo cards, or order physical Verve and Afrigo cards delivered to your door. VIRTUAL CARDS — INSTANT & GLOBAL • Instant VISA, Mastercard, Verve, and Afrigo virtual cards • Use for online shopping, subscriptions, and digital payments worldwide • Add to Apple Pay for contactless payments • Create multiple cards for different spending needs PHYSICAL CARDS — LOCALLY ACCEPTED • Verve and Afrigo physical cards for Nigerian merchants • Use at ATMs, POS terminals, and online • Delivered securely to your registered address FLEXIBLE FUNDING • Fund with cryptocurrency (USDC, USDT, SOL, ETH, BNB, POL) • Fund with Nigerian Naira via bank transfer • Transparent exchange rates with no hidden fees PAY BILLS EFFORTLESSLY • Electricity for all major DISCOs • Mobile airtime for MTN, Glo, Airtel, 9mobile • Data bundles, DStv, GOtv, Startimes, and more SECURITY YOU CAN TRUST • Biometric authentication (fingerprint & Face ID) • Two-factor authentication for all transactions • Freeze/unfreeze cards and set spending limits • PCI DSS compliant through licensed partners SPENDING ANALYTICS • Real-time transaction tracking • Categorized spending analytics and monthly reports KaviPay operates in partnership with licensed financial institutions including Safe Haven Microfinance Bank (CBN Licensed) and PCI DSS compliant card service providers. Users must be 18+. Valid ID required for verification. Fees disclosed before confirmation. Support: support@kavipay.io