CitizenWealth vs WalletPro Flexible Payments

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

WalletPro is a flexible checkout and virtual card platform designed to help users manage purchases, spending controls, and group contributions in one place. With WalletPro, users can organize payment activity, create virtual cards for supported purchases, set spending limits, and manage card activity from a simple dashboard. WalletPro also includes SplitPro™, a group contribution feature that lets users create a shared payment request, set a target amount, and share a QR code or payment link so others can contribute their part. Key Features: • Manage flexible checkout workflows • Use multiple payment sources where supported • Create virtual cards for supported purchases • Set custom spending limits • Track transaction activity • Freeze or cancel virtual cards when needed • Protect your real card details • Create SplitPro™ group payment requests • Share QR codes or payment links • Track group contributions in real time How SplitPro™ Works: Create a shared payment request, set the amount you want to collect, and share the link or QR code with contributors. Contributors can pay their part without needing to download the app. WalletPro can be used for: • Online purchases • Group gifts • Team lunches • Shared expenses • Event costs • Travel planning • Family purchases • Business or team spending • Virtual card spending controls WalletPro is not a loan, credit line, or buy now, pay later service. WalletPro does not provide financing. Users pay with their own payment methods and available funds. Fees, payment availability, supported card features, and virtual card functionality may vary based on eligibility, transaction type, and payment partners.