Coinova vs VWEALTH

Stop wondering where your money went. Coinova is the modern personal finance app for people who want to actually understand their spending, hit savings goals, and travel without blowing the budget. Built for everyday humans, not accountants. WHAT YOU CAN DO • TRACK every expense and income with one tap. Recurring bills auto-generate so you never forget a subscription. • BUDGET monthly per category. The Smart Insights widget tells you exactly when you've overspent and forecasts the rest of the month. • SAVE toward goals — vacation, emergency fund, new laptop. Coinova celebrates milestones at 25%, 50%, 75%, and 100%. • TRAVEL TRACKER for trips abroad. Each trip gets its own currency, budget, and expense book — no more mental math at the hotel front desk. • CARDS WALLET stores your credit and debit card details, fully encrypted on device. Face ID or Touch ID required to reveal. The clipboard wipes itself after 30 seconds. • BUDGET ALERTS, BILL REMINDERS, AND WEEKLY SUMMARIES delivered as gentle notifications, only when you actually need them. • OFFLINE FIRST. Add transactions on a plane, in a tunnel, anywhere. Everything syncs the moment you're back online. • MULTI-DEVICE SYNC. Sign in on your iPhone and iPad — entries appear instantly across both. PRIVACY YOU CAN TRUST • Card numbers and CVVs are encrypted on your device with AES-256-GCM. Encryption keys live in the iOS Keychain — they never leave your phone, and we never see them. • Optional backups can be password-protected with PBKDF2 + AES-256. Forget the password and not even we can recover it. • Lock the entire app behind a 4-digit PIN and Face ID / Touch ID. • No ads. No data sales. No third-party tracking SDKs. Just you and your money. GLOBAL READY • 60+ currencies supported • Configurable week start (Sunday, Monday, or Saturday — auto-detected from your region) • Custom categories and tags • Localized number and date formatting WHY COINOVA? Most finance apps are either bloated banking aggregators that demand read-access to your bank accounts, or stripped-down trackers that miss the features you actually need. Coinova is the middle ground — powerful enough to replace your spreadsheet, simple enough to use every day, private enough that you don't have to think twice. No subscriptions. No paywalls. No upsells. Built by indie developers at Adverge Studio. Questions, feedback, or feature requests: hello@advergestudio.com Privacy policy: https://advergestudio.com/coinova/privacy/ Terms of service: https://advergestudio.com/coinova/terms/

Build an AI portfolio around your own style and simulate its return potential. PRACTICE WITHOUT RISKING REAL MONEY Explore 69+ funds and 700+ stocks across Vietnam's three stock exchanges. Fund Simulation and Stock Simulation each give you VND 10 billion in virtual money to practice. See what funds hold, get to know companies, and track your practice trades as you learn. BUILD A PORTFOLIO YOUR WAY Describe how you invest or choose from 40+ model strategies. AI Portfolio builds a portfolio around your approach. Explore simulations using historical data from 2023, compare 3 scenarios, and understand potential gains and risks before making your own decisions. SEE WHERE YOUR PORTFOLIO STANDS Upload a screenshot of your holdings or enter your stocks. Portfolio Diagnosis shows where your money is concentrated and where risks may lie. Compare your portfolio's simulation with an approach tailored to how you invest, giving you more context for your next decision. WEEKLY MARKET REPORT Catch up on key news, market moves, and analysis covering 700+ stocks in one report, available in English and Vietnamese. Revisit weekly and monthly reports whenever you need a closer look. NEW IN 2.0 Every simulation book holds VND 10 billion in virtual money and can buy stocks, open-end funds, SJC and ring gold, and 20 currencies at Vietcombank rates. Place orders right on the book page. Order history shows cash in, cash out, fees, taxes, profit or loss and the balance after each order. Candlestick charts with 7 timeframes for every stock and index, so you can follow price moves more clearly. Leaderboard across 8 periods, from 1 week to all time, plus a public profile with badges, so you know where you stand. News filtered by day or month, with the 10 most-mentioned tickers, to catch the market's pulse fast. Works on iPhone and iPad, with room to read price boards and charts comfortably. An in-app price board with Stocks, Funds, Gold and FX tabs, plus My list for each book, with prices moving through the session. A 6-item navigation bar, the full menu from the web and a dedicated iPad layout, so every feature is one tap away. Terms of Use and Privacy Policy updated 01/11/2026. FREE, NO SUBSCRIPTION NEEDED A VND 10 billion virtual book across 4 asset types, order placing and order history, candlestick charts, the Market tab, price board, news, community, leaderboard and public profile. HOW IT WORKS Free: practice with Fund Simulation and Stock Simulation, each with VND 10 billion in virtual money. Subscription: full Saturday reports and weekly and monthly archives. First month free when you subscribe in the app, then VND 200,000/month; 3 months: VND 550,000; 6 months: VND 1,000,000; 12 months: VND 1,799,000. Credits are separate. Credits: use AI Portfolio and Portfolio Diagnosis for 1 credit per run. Buy separately with no subscription required. 1 credit: VND 99,000; 3 credits: VND 279,000; 5 credits: VND 445,000; 10 credits: VND 850,000; 20 credits: VND 1,700,000; 50 credits: VND 4,250,000. SECURITY AND TRANSPARENCY VWEALTH does not hold your money, accept deposits, or place trades for you. Sign in with a password and a 6-digit one-time code. Delete your account right in the app under Account > Delete Account. PLEASE NOTE Simulations use virtual money and are not investment advice. AI explains data without recommending trades. Public data may be delayed. Simulation results do not guarantee future results. Investment decisions are yours. Subscriptions renew automatically for the period you choose and payment is charged to your App Store account at confirmation of purchase. A subscription renews unless auto-renew is turned off at least 24 hours before the end of the current period. Manage or cancel it in your App Store account settings. Credits are one-time purchases and do not renew. Terms of Use: https://vwealth.vn/dieu-khoan/?app=1 · Privacy Policy: https://vwealth.vn/bao-mat/?app=1