CitizenWealth vs SOU App

Your money shouldn’t lose value while it sits. And it shouldn’t cost a fortune to send home. CitizenWealth is a borderless financial platform for global communities. Hold stable currencies, save together with your community across any border, and send money home - all from one app. HOLD THE WORLD'S STRONGEST CURRENCIES • Open a digital wallet in minutes. Hold USD and EUR — stable value, backed by regulated custodians. • Fund via bank transfer (ACH, Faster Payments, SEPA) or mobile money. No minimum balance. No maintenance fees. SAVE TOGETHER — ACROSS ANY BORDER Digitize your stokvel, chama, tanda, esusu, tontine, or paluwagan. CitizenWealth savings clubs support up to 50 members worldwide and offer flexible club types: • Rotating Payout — the classic structure, now in stable currencies • Shared Goal — pool funds for property, education, or business • Emergency Fund — a community safety net with transparent payouts • Investment Club — grow together and save towards investing for something big Every contribution is tracked on a real-time transparent ledger. Multi-admin governance, auto-pay scheduling, activity feeds, and milestone celebrations keep your group organized and connected - even across time zones. SEND MONEY HOME FROM 1% • Transfer funds to 20+ countries across 12+ African corridors. • Recipients get paid in local currency via bank transfer or mobile money. • No hidden fees. • Zero recipient fees. • Real-time tracking from send to receive. EARN REWARDS ON YOUR SAVINGS • Get cashback rewards on what you save — up to 3%, credited daily and paid out monthly. • No lock-up. • No minimum balance. • Current reward rates and eligibility are shown in the app before you opt in. BUILT ON TRUST, NOT PROMISES • Fund segregation — your money is never lent or invested without consent • Every fee visible before you confirm — no surprises TWO SIMPLE PLANS • Basic (free): Full access to wallets, savings clubs, and transfers. • Pro ($9.99/month): Lower fees on every transaction, external sends, and priority support. WHO IT’S FOR • Diaspora families sending money home and saving together across borders • Savings club organizers tired of spreadsheets and WhatsApp disputes • Freelancers and remote workers earning in USD, GBP, or EUR • Anyone who wants their savings to hold value — not lose it Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://citizenwealth.app/privacy

SOU: Save Together, Grow Together! Unlock your financial potential with SOU, the innovative social savings app designed to help you achieve your goals faster. Whether you're saving for a new home, a dream vacation, or simply building an emergency fund, SOU makes saving social, rewarding, and fun. Key Features: Group Savings: Create or join communal savings groups, including rotational (Ajo/Esusu/Stokvel) or targeted goal-based groups, with friends, family, or your community. Personalized Savings Goals (Envelopes): Set individual savings targets, track your progress, and stay motivated with personalized "envelopes" for all your aspirations. Budgeting & Expense Tracking: Gain crystal-clear insights into your finances. Monitor your spending, manage budgets, and identify areas for improvement to maximize your savings. Gamification & Rewards: Make saving addictive! Earn exciting badges, achieve streaks, and collect points as you hit milestones. Participate in challenges to boost your motivation and rewards. Easy Contributions & Payouts: Seamlessly manage your contributions and receive payouts directly within the app. Referral System: Invite friends to join SOU and earn rewards for growing our community. Smart Notifications: Stay on top of your financial journey with timely reminders for contributions, payout alerts, and group updates. Data Export: Take control of your financial data by easily exporting your savings, contributions, and expense logs as PDF or CSV. SOU empowers you to save smarter, together. Download now and start building your financial future!