DigiiSente vs Omuti

DiGii Sente is Uganda's modern mobile wallet — send and receive money, pay bills, buy airtime, save with groups, and more, all from your phone. KEY FEATURES: SEND & RECEIVE MONEY - Send to any DiGii wallet instantly - Deposit and withdraw via MTN and Airtel Mobile Money - Transfer to bank accounts - Receive money via your unique DiGii ID or QR code MOBILE MONEY - Deposit from MTN or Airtel to your DiGii wallet - Withdraw to any mobile money number - Real-time transaction tracking PAY BILLS & BUY AIRTIME - Buy MTN and Airtel airtime and data bundles - Pay YAKA, UMEME, and water bills - Pay DStv, StarTimes, and other TV subscriptions - All utility payments in one place MERCHANT PAYMENTS - Scan merchant QR codes to pay - DiGii Pay — fast checkout at any DiGii merchant - Digital receipts for every payment GROUP SAVINGS (VSLA) - Create or join Village Savings & Loan groups - Nigiina (Round Robin) savings circles - Investment Clubs for pooled investments - Track contributions, shares, loans, and withdrawals - Multiple group types: SACCO, Church, Clan, Farmers, Youth, and more PERSONAL SAVINGS - Set savings goals and track progress - Automated deposits to your savings wallet - Watch your money grow OLUWALO - Contribute to Buganda Kingdom cultural events - Support community initiatives digitally EVENTS & TICKETING - Browse and attend local events - Buy tickets and support fundraisers CHAT & VOICE CALLS - Message other DiGii users directly - Group chats for your savings groups - Free voice calls over the internet - Send money within chat conversations SECURITY YOU CAN TRUST - Face ID and fingerprint authentication - 4-digit PIN for every transaction - End-to-end encrypted storage - Device binding and fraud detection - Two-factor authentication (2FA) Download DiGii Sente today and take control of your money!

Omuti is a savings-club (chama / SACCO / VSLA) app for Uganda. Create a club with people you trust, set the rules together, contribute on a schedule, and watch your shared tree grow with every shilling recorded and visible to members. WHAT YOU CAN DO • Start a club or join one with an invite - Duo (two people, equal stakes) or a larger group • Set contribution amounts, frequency and due dates that members agree on • Contribute to a shared wallet and see every transaction in a clear, dated history • Pool funds and invest together in regulated unit trusts managed by licensed fund managers • Request a member advance from your club's own pooled savings, approved by member vote • Track each member's standing, contributions and repayments transparently • Get notified the moment money moves - contributions, approvals, payouts and reminders BUILT ON TRUST AND TRANSPARENCY Every action is logged to a shared ledger. Rule changes and advances need member approval, so no one moves the group's money alone. Sensitive actions are protected with a PIN and Face ID. A NOTE ON ADVANCES Member advances are made by your savings club from its own pooled member contributions and governed by member votes. Omuti is a coordination and record-keeping platform - not a lender. We do not originate, fund, guarantee or collect any advance, and we charge no finance or processing fee. INVESTMENTS Group investments are placed in unit trusts issued and managed by licensed fund managers. Omuti does not hold client funds or provide investment advice. The value of investments can go up or down. WHO IT'S FOR Friends, families, work groups, and community savings circles in Uganda who want to save and grow money together - with the transparency and reminders that keep everyone on the same page. Omuti is offered to adults resident in Uganda. By Bowline Knot Company Limited.