PayHive vs PropSaves

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.

PropSaves is the simple, disciplined way to save money and reach your goals in Nigeria. Whether you're building an emergency fund, saving toward rent, or growing wealth with friends, PropSaves keeps you consistent and rewards you for staying on track. SET GOALS THAT STICK Create personal savings goals with clear targets and dates. Choose flexible or fixed plans, then save weekly or monthly. Watch your progress climb toward every milestone. LOCK IN AND EARN Stay committed with Lock & Earn savings plans and earn interest as your balance grows. Track your accrued interest and maturity date at a glance. SAVE TOGETHER (AJO / ESUSU) Start or join a savings group with friends and family, reach shared targets together, and keep everyone accountable — while each member still earns on their own share. FUND IN SECONDS Add money instantly with your debit card or bank transfer through Paystack, or get a dedicated PropSaves virtual account for direct deposits straight into your wallet. TRACK EVERYTHING See a clear history of every deposit, withdrawal, and interest credit. Download professional transaction receipts as PDFs whenever you need proof of payment. STAY MOTIVATED Climb the weekly Top Savers leaderboard, earn badges for consistency, and celebrate milestones. Rankings reward your habits — your balances always stay private. INVITE FRIENDS, EARN REWARDS Share your referral code and earn bonuses when friends start saving. Put your referral bonus straight to work funding your own goals. BUILT FOR SECURITY Protect your account with a 4-digit transaction PIN and biometric login (Face ID / fingerprint). Tiered verification keeps your money and identity safe. WHY PROPSAVES Personal savings goals with flexible or fixed plans Earn interest as you save Group savings (Ajo / Esusu) with friends and family Instant funding via card, bank transfer, or virtual account Downloadable transaction receipts Weekly leaderboard, badges, and referral rewards Biometric login and PIN protection Start saving with purpose. Download PropSaves and build the habit that builds your future. PropSaves is operated by PropSaves Limited. Need help? Email hello@propsaves.com.