PayHive vs OjaCircle

PayHive makes managing your money simple, social, and stress-free. Whether you're saving on your own or pooling funds with friends and family, PayHive gives you the tools to stay in control of every naira. WALLET • View your wallet balance, total credits, debits, and transaction count at a glance • Fund your wallet instantly via bank transfer with automatic fee calculation • Filter your transaction history by day, week, or month • Export your transaction history for your records GROUP SAVINGS • Create savings groups with friends, family, or colleagues • Add members by phone number and assign roles — admins and validators • Set up multiple sub-accounts within each group for different savings goals • Choose payment frequency: daily, weekly, monthly, or yearly • Track every member's contributions and total group balance • Request withdrawals with a built-in approval workflow — validators review and approve liquidation requests • Generate group account statements for any date range • Customize group settings: control who can invite members, require withdrawal approvals, and toggle balance visibility DASHBOARD • See your total balance, savings balance, wallet balance, and active groups in one view • Scroll through balance cards for a quick financial snapshot • View recent activities and your latest group savings at a glance • Pull to refresh for real-time updates ACTIVITY & NOTIFICATIONS • Full activity feed with every transaction, contribution, and group event • Mark notifications as read, clear them individually, or clear all at once • Tap any notification for full details including amounts, dates, and status PROFILE & KYC • Manage your personal information: name, email, phone, date of birth, and address • Upload a profile photo • Add your bank account details and BVN for enhanced verification • Track your verification status across email, phone, and identity FUND YOUR WALLET • Enter any amount and see the exact fee breakdown before you pay • Service charge: 1.5% plus ₦50 stamp duty on transfers of ₦10,000 or more • Receive unique VFD bank account details for each top-up • Copy account number, bank name, and reference with one tap • Confirm your payment and watch your balance update BUILT FOR NIGERIA • Full support for Nigerian Naira (₦) • Comprehensive Nigerian bank list for account linking and transfers • State-by-state address selection • BVN integration for identity verification PayHive is built for anyone who wants to save smarter — whether that means setting aside money on your own or coordinating contributions with a group. No more spreadsheets, no more WhatsApp threads, no more guesswork. Download PayHive and start building your financial future today.

OjaCircle — Save together with people you trust. A modern home for ajo, esusu, susu, and chama: the rotating savings traditions where members contribute on a schedule and take turns receiving the pooled payout. Start a circle with friends, family, or community. The app handles rotations, reminders, and contribution tracking — no spreadsheets, no chasing. Features Multi-currency wallet (NGN, USD, GBP, KES, GHS, ZAR) Real-time contribution and payout tracking Rewards for consistent participation Referral program Trust scores built from contribution history Identity verification Bank deposits and withdrawals Smart reminders Built for community — from Lagos and Accra to London and New York. Modern security with encryption and fraud monitoring. Start saving together today. Terms of Use: https://ojacircle.com/terms · Privacy Policy: https://ojacircle.com/privacy