Flur vs Sefa

Flur — Orchestrate Payments. Coordinate Shared Money. Money gets complicated when other people are involved. Flur makes it simple. Flur is the app for coordinating money between people — friends splitting a bill, families managing shared budgets, groups collecting for an event, or businesses handling customer payments. One place to split, collect, pool, track, and settle. Split Payments Split any payment equally or by custom amounts. Assign shares, set who pays what, and track who’s settled. Works for restaurants, trips, rent, groceries — anything you share with others. Group & Family Wallets Pool money in a shared wallet and spend from it together. Set contribution targets, track deposits in real time, and see exactly where the balance sits. Family wallets include spending limits, permissions, and approval flows so you stay in control. Multi-Source Payments When one balance isn’t enough, pay across multiple sources in a single transaction. No failed payments. No juggling. Full Payment Visibility Every contribution, request, split, and settlement is logged and visible. Know exactly where the money is, who’s paid, and what’s outstanding — at all times. Flur is built for the way money actually moves between people — across households, friendships, groups, and borders.

Protect your savings from the falling naira. Sefa keeps your money in dollars, and now you can add money and cash out in naira, straight from your bank account. Sefa is a simple wallet built for Nigeria and the diaspora. Move money in with naira, hold it in dollars, send it to people you love in minutes, and cash out to your bank whenever you want, all from your phone. WHY PEOPLE USE SEFA Add money with naira. Fund your wallet from your Nigerian bank account and hold the value in steady dollars. No middleman to visit, no rate you can't see. Cash out to naira. Turn your dollars back into naira and have it sent to your bank account when you need it. Save in dollars. The naira loses value; dollars hold theirs. Keep your money in steady dollar coins (USDT, USDC) so it doesn't melt away. Your money, your control. Sefa is non-custodial. Your keys and your money stay on your phone. We can never touch your funds. Send money home. Reach family and friends across the world in minutes, with low network fees. Convert when you need to. Move between the coins you hold, like SOL to dollars, in a few taps. Ask Sefa anything. A built-in assistant answers your questions in plain words, right when you're stuck. Naira-aware. See your balance in US dollars with a naira figure beside it, so the value is always clear. Many networks, one app. Hold and move Bitcoin, Ethereum, Solana and more from a single wallet. BUILT FOR EVERYDAY USE No jargon. No complicated setup. Sefa explains each step in plain words, so it works whether this is your first wallet or your fifth. YOUR MONEY STAYS YOURS Sefa never holds, locks, or moves your money without you. Every action is approved by you with Face ID or a PIN and signed on your device. Your recovery phrase belongs to you alone, keep it safe. A small, clearly shown service fee may be included when you add money, cash out, or convert between coins. No hidden charges, and no subscription. Sefa is a wallet for holding and moving your own money, not a bank. Saving in dollars is steadier than the naira, but dollar values can still move.