Fynory vs HeritagePay

Fynory is the easiest, safest way to build credit history in the United States, wherever you are. No debt, no traditional credit cards and no credit check. NOW ALSO FROM YOUR COUNTRY You don't need to live in the U.S. or have a Social Security Number (SSN). You sign up with your passport or national ID, and we report your payments to the U.S. credit bureaus. HOW IT WORKS 1. Choose your plan: Starter, Plus or Premium, depending on your needs. 2. Create your account: with your personal details. No credit check. 3. We report your payments: every monthly payment is reported to the major U.S. bureaus (Equifax, TransUnion and Experian, depending on your plan). 4. Your history grows: with on-time, consistent payments, your credit history builds month by month. PLANS • Starter: reports to 1 bureau. Ideal to get started. • Plus: reports to 2 bureaus. More coverage, more impact. • Premium: reports to all 3 bureaus. Full coverage. Pricing adjusts to your country, from $3.99/month. In the U.S., plans ($7.99 / $12.99 / $19.99) also include a virtual credit line, with no upfront deposit and no real debt. KEY FEATURES • Build U.S. credit from your country or from here • No SSN or ITIN needed to start • No credit check to sign up • Automatic reporting to the credit bureaus every month • Autopay: your monthly payment goes out on time, effortlessly • AI Concierge to answer questions about your plan, charges and account • Track your progress inside the app • PDF invoices for every payment • Complete, transparent payment history • Financial education center with practical lessons • Achievements and a payment streak to keep you motivated • Full experience in English and Spanish WHO IS FYNORY FOR? • People in Latin America who want to build U.S. credit from their own country • Immigrants who need to establish credit in the United States • Anyone with no credit history who wants to start from scratch, safely SECURITY AND PRIVACY We protect your information with encryption and we never ask for your SSN or ITIN. We comply with applicable financial regulations. SUBSCRIPTION Fynory offers monthly subscription plans with automatic renewal. Payment is charged to your registered payment method. You can cancel at any time from the Profile section inside the app. Cancellation takes effect at the end of the current billing period. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://www.fynory.app/privacy

Heritage Pay is the first digital wallet in Belize, backed by Heritage Bank Limited. It connects you to OpenPay's growing network of local merchants and lets you pay, send, and manage your money from one secure app. Whether you're paying at the counter, splitting a bill, or sending money across town, Heritage Pay makes everyday payments simple and secure. WHAT YOU CAN DO • Scan & Pay — Scan a participating merchant's QR code, confirm the amount, and pay in a single tap. • Card Vault — Securely store multiple credit and debit cards. Each card is verified with a small micro-charge, and your card numbers are tokenized. The app never keeps your raw card details on your device. • Send Money — Transfer funds to bank accounts by institution and account number. Save recipients as favourites for one-tap re-use. • Request Money — Ask someone to send you a payment. • Transaction History — Review every payment and transfer, with receipts available in the app and by email as a PDF. • Biometric Security — Use Face ID or your fingerprint to open the app and authorize payments. • Payment Notifications — Get instant push notifications confirming your payments and receipts. GETTING STARTED Register in minutes with your phone number and a one-time verification code (OTP). No paperwork, no branch visit. SECURITY YOU CAN TRUST Heritage Pay is built by OpenPay and backed by Heritage Bank Limited. Your data is protected with industry-standard encryption in transit, biometric authentication, and card tokenization. Download Heritage Pay and carry Belize's digital wallet with you. Questions? Reach us at support@openpay.bz or visit https://openpay.bz/support.