CitizenWealth vs FogPay

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

FogPay — your banking, endless possibilities for people and businesses across Africa. Open a free naira wallet in minutes and do all your everyday banking from one app. FogPay gives you a real NUBAN account number, instant transfers to any Nigerian bank, cheap airtime and data, electricity and TV bill payments, virtual and physical cards, savings, and multi-currency accounts — plus banking over WhatsApp with FogPay-Easy. ACCOUNTS IN 5 CURRENCIES Hold and manage money in NGN, USD, EUR, GBP and CNY. Your dollar account lets you receive, hold and spend US dollars without leaving the app — no queues, no paperwork, no hidden FX surprises. INSTANT NUBAN TRANSFERS Every FogPay account comes with a NUBAN account number. Send and receive money instantly to and from any Nigerian bank, save beneficiaries, and confirm recipient names before you send. BUY AIRTIME & DATA, PAY BILLS Top up airtime and data on all major Nigerian networks in seconds. Pay electricity bills (prepaid and postpaid), renew your TV subscription, and handle everyday VAS payments without leaving home. Instant value, instant receipts. VIRTUAL & PHYSICAL CARDS Create virtual cards instantly for online payments and subscriptions, and order a physical card for ATM and POS use. Freeze, unfreeze and manage your cards from the app. SAVINGS THAT WORK Move spare money into savings and watch it grow. Set targets, lock funds, and build the habit — whether you're saving ₦1,000 or ₦1,000,000. WHATSAPP BANKING — FOGPAY-EASY Bank where you chat. With FogPay-Easy on WhatsApp you can check your balance, buy airtime and data, send money and more — even on low data or a basic connection. KYC TIERS THAT GROW WITH YOU Start small and upgrade when you're ready: • Starter — up to ₦50,000 • Higher tiers unlock bigger limits, up to Business — up to ₦50,000,000 Verification is quick, in-app, and secure. BUILT FOR SECURITY Your money and data are protected with bank-grade encryption, secure login, transaction PINs, and instant freeze controls. FogPay is built by Fog Global Technologies, Lagos, Nigeria. WHY FOGPAY? • Free naira wallet with a real NUBAN account number • Multi-currency accounts: NGN, USD, EUR, GBP, CNY • Instant NUBAN transfers to any Nigerian bank • Buy airtime and data at great rates • Pay electricity bills and TV subscriptions in seconds • Virtual and physical cards you control • Savings with flexible goals • WhatsApp banking with FogPay-Easy • KYC tiers from ₦50k Starter to ₦50m Business Download FogPay today — your banking, endless possibilities. Support: support@fogpay.co Website: https://fogpay.co Privacy policy: https://fogpay.co/privacy