RyvoPay Mobile vs Xpens

RyvoPay – Secure Account & Card Management. The app allows registered users to: • View account details • Monitor balances, top up • Review transaction history • Access issued card information RyvoPay does not allow users to initiate transactions within the mobile application. The app is designed for account monitoring and information access only. C4D Technology Limited Owns the RyvoPay platform and provides customer support, account management, and all user services. Regulated financial infrastructure and payment processing services are enabled through licensed financial partners. All user data is handled securely and in accordance with applicable data protection and financial compliance requirements. For assistance, please contact: support@ryvopay.com

Xpens makes business expense tracking fast and painless. Snap a photo of any receipt and let built-in OCR automatically extract the amount, date, and merchant name. Categorize, tag, and export professional reports — all without creating an account or sending your data anywhere. CAPTURE RECEIPTS INSTANTLY Point your camera at a receipt or import from your photo library. Xpens uses on-device text recognition to pull out the key details so you don't have to type them manually. ORGANIZE YOUR WAY Sort expenses into customizable categories with icons and colors, or add freeform tags like "tax-deductible" or "Q1-2026" for flexible filtering. Set up recurring expenses that generate automatically on a weekly, monthly, or yearly schedule. EXPORT PROFESSIONAL REPORTS Generate polished PDF reports grouped by category with subtotals, tag breakdowns, and page numbers. Or export to CSV for spreadsheets. Reports bundle with receipt images into a single zip file — ready to send to your accountant. YOUR DATA, YOUR DEVICE Xpens is entirely local-first. No accounts, no cloud sync required, no tracking. Optionally back up to iCloud for peace of mind, but your data never leaves your control. KEY FEATURES - Receipt OCR scanning with automatic data extraction - Custom categories with icons and colors - Freeform tags for flexible organization - Recurring expense templates (weekly/monthly/yearly) - PDF and CSV export with receipt image bundles - 150+ currencies supported - iCloud backup and restore - Dark mode support Designed for freelancers, small business owners, and anyone who needs to track and report expenses without the complexity of enterprise software.