Cloud9 Money vs Kacha

Cloud9 Money offers borderless banking; with multi-currency accounts, savings, investments, instant global payments and modern financial tools for a new generation of consumers and businesses. Cloud9 is more than just a company - it's a movement. We're here to make banking simple, rewarding, and built around how we actually live. No matter where you are, we understand that a new generation of entrepreneurs, freelancers, and professionals need to ● move money locally and globally ● save towards your goals ● build wealth in real time ● access credit ● scale businesses faster and ● spend with freedom You deserve more than just a place to store money. Thatʼs why we are building a banking platform that goes beyond processing transactions but powers ambition, strengthens community, fuels culture, and grows alongside Africaʼs 500 million+ youth. #ElevateYourself Hereʼs how it works: 1. Download the Cloud9 Money App & create your account 2. Verify your identity and voila! Youʼre in! 3. Fund your wallet and explore our different products 4. Send & Receive Money. Spend globally. Pay. Save. Invest. Repeat Incase your wondering: Is my money safe? Absolutely! Deposits are protected by KDIC through our banking partners who are regulated by the Central Bank of Kenya Which currencies does Cloud9 support? Receive and send money in major global currencies, including USD, GBP, EUR and CNY. Cloud9 also supports local currencies such as KES, UGX, TZS, and

Kacha: your receipts, rewarded. Scan the receipts you already get and earn Kacha Points. Check what things should cost before you pay, keep a streak, and take on missions from the brands you buy. Kacha reads every receipt for you, so there is no typing. SCAN AND EARN Snap a receipt or scan its eTIMS QR code. Kacha reads the store, the date and every item, checks that it is genuine, and adds Kacha Points for each valid scan. The app always shows what a scan earned and why. CHECK PRICE See the typical price of a product near you, the range most people pay, and how it has moved over the year. Prices come from real receipts scanned by shoppers, and each one shows how recent it is. STREAKS Scan on consecutive days to build a streak and earn a bonus every seventh day. A freeze covers a day you miss. BRAND MISSIONS Brands you already buy set missions, such as trying a product or buying it again. Scan the receipt and the points are yours. SPEND SMARTER Set a monthly budget, see your spending by category, and keep every receipt filed and searchable. M-PESA payments are captured alongside your receipts. USE YOUR POINTS Put your Kacha Points toward airtime, sent straight to your phone where it is available. INVITE FRIENDS Share your code. When a friend keeps scanning, you both earn bonus points. BUILT FOR EAST AFRICA Works with KRA eTIMS receipts, KES and M-PESA. Sign in with Apple, Google or email, and protect the app with Face ID or Touch ID. PRIVACY Brands see purchases added up across many shoppers, never names, phone numbers or accounts. You can delete your account from inside the app at any time. Kacha is free to use. Questions? hello@kachalabs.com