CitizenWealth vs PsiFi

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

PsiFi gives you one place to manage your money on the go. Sign in securely, view your balance, receive funds with your account details, send money, and track card activity from your phone. SEND AND RECEIVE - Send money to another PsiFi user - Share your QR code or PsiFi tag to get paid - Review transfer status and history ADD AND WITHDRAW FUNDS - View your PsiFi account details for deposits - Choose available withdrawal options - Keep track of your digital-dollar balance CARDS - View card status and spending power - Review card activity and transaction details ACCOUNT CONTROLS - Manage profile and security details - Review privacy, terms, and support links - Start account deletion from the app PsiFi is built for people who want a simple mobile account for sending, receiving, and spending money.