KoboX Mobile vs ₿21

KoboX simplifies digital finance. KoboX is a consumer-focused fintech app designed to make everyday payments and crypto access simple, secure, and seamless. What you can do with KoboX: • Send and receive Naira • Pay utility bills • Buy airtime and data • Access crypto services (send, receive, convert) Built for Simplicity KoboX combines essential financial tools into one easy-to-use interface, removing the need for multiple apps. Who is KoboX for? • Retail consumers • Freelancers and digital earners • Users seeking unified access to payments and crypto

Bitcoin, and nothing else. BTC Wallet is a self-custody Bitcoin wallet for iPhone. Your recovery phrase is generated on your device, encrypted with a key held in your iPhone's Secure Enclave, and never transmitted anywhere. There is no account to create, no email to hand over, and no company standing between you and your money — including us. YOUR KEYS, ON YOUR DEVICE • A 12- or 24-word recovery phrase, generated on device and shown to you once • Stored encrypted in the Keychain, in a class Apple excludes from iCloud and iTunes backups • Unlocked with Face ID or Touch ID; decrypted only while you sign a payment you approved • Standard BIP39, BIP84 and BIP86 — your phrase restores in any compatible wallet, so you are never locked in • Already have a wallet? Sign in with its recovery phrase — any length from 12 to 24 words — or with its extended private key • Export the wallet's descriptors to watch the same balance from Bitcoin Core on your own node • Optional passphrase, and a choice of Taproot or Native SegWit addresses, for people who want it SEND AND RECEIVE WITH CARE • A review screen before every payment: recipient, amount, fee, and what is left afterwards • Pick a fee from live network estimates, or set your own • Stuck in the mempool? Bump the fee with RBF instead of starting over • Scan a QR code or paste an address — the app checks the network and the checksum, and warns you when an address merely resembles one you have paid before • A fresh receiving address each time, so you are not handing out the same one forever BUILT FOR PRIVACY • No account, no login, no email, no phone number • No analytics, no advertising, no tracking, no third-party SDKs • We run no server for this app and receive nothing from it. There is no database anywhere with your name in it • Point it at your own Bitcoin node and it talks only to your node — it will never quietly fall back to a public server DESIGNED TO GET OUT OF THE WAY • Monochrome, in light, dark, or whatever your system is set to • Tap the balance to switch between bitcoin and your local currency • A price chart on the home screen, over a week, a month, a year, or all of it • Notes on your transactions, so next year you still know what they were for • Lock the app behind Face ID, and a cover hides your balance in the app switcher HONEST ABOUT THE TRADE-OFFS Self-custody means nobody can freeze your funds, and nobody can restore them for you. Lose the recovery phrase and the bitcoin is gone — we cannot help, because we hold nothing. BTC Wallet says so plainly during setup, makes you verify the words before it will continue, and warns you the moment you take a screenshot of them. To read your balance and broadcast payments, the app queries public Bitcoin blockchain servers by default. Those servers can see your IP address and the addresses you ask about. This is stated in Settings, and connecting your own node removes it. Bitcoin only. No tokens, no swaps, no yield, no exchange, no ads.