Cloud9 Money vs Owwed

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

A simpler way to remember money. Keep track of money you have lent, borrowed, and paid back, without digging through messages, notes, or spreadsheets. Owwed is a private app for recording informal debts between friends and family. It keeps balances, payments, due dates, and reminders together in one calm place. WHAT OWWED DOES • See what is outstanding: who owes what, and what you still need to pay • Keep the full picture: amounts, payments, due dates, and remaining balances stay together • Remember at the right time: set a private reminder on your phone Designed for the small, everyday money moments between people. Whether you covered dinner, lent a friend money, or need to pay someone back, Owwed keeps the details clear without making the relationship feel transactional. PRIVATE BY DEFAULT • Local-first: debts, people, and payments stay on your device • No account: download and start keeping track • Works offline: your records remain available without a connection • Backups are your choice: make and save a backup when you need one Owwed does not need an account or a cloud service. Your data stays on your phone unless you choose to create a backup. IMPORTANT Owwed records informal debts. It doesn’t connect to a bank, send money, or contact anyone on your behalf. Free. No subscriptions. No ads.