Easner vs FogPay

Easner is mobile banking for global money – send, receive, and manage funds in global and local currencies. Bank transfers and stablecoin, built so you can bank globally with Ease. BANK GLOBALLY WITH EASE Manage multi-currency balances, send to saved recipients, receive by account details or stablecoin deposit address, and track every transaction in one place. Download receipts and get notified when payments move. ADD MONEY FAST Top up with Express deposits where available – card, Apple Pay, or ACH Direct. Add funds by bank transfer or supported local pay-in methods in eligible countries. See what you’ll pay before you confirm. SEND MONEY YOUR WAY Send by bank transfer, stablecoin, or mobile money. Pay people by Easetag (@handle) or from saved recipients. Scan wallet QR codes when sending to crypto addresses. See fees, FX, and delivery estimates before you confirm. RECEIVE MONEY Get paid using bank account details or a stablecoin deposit address. Choose Cash or Stablecoin on the Receive tab – bank details, Express deposits, and local options where supported. No external crypto wallet setup required. PAYROLL Connect with employers and choose how you get paid – bank account, mobile money, wallet address, or Easetag. Approve payroll connections and manage receiving methods in the app. CARDS Spend from your Easner balances with personal cards – controls and activity, right in the app. Card products are subject to issuer approval and may not be available in all regions yet. RECIPIENTS & EASETAG Save recipients, send by Easetag (@handle), and move money between people you trust. SECURITY YOU CAN USE Multi-factor authentication, PIN lock, and session protection to help keep your account secure. SUPPORT Live chat and email support when you need help. WHO IT'S FOR Individuals 18 or older – freelancers, remote workers, diaspora, students, and families managing cross-border money. IMPORTANT Easner Group, Inc. is a financial technology company, not a bank. Banking and related services are provided by regulated partners. Easner is not FDIC-insured and does not hold customer deposits. Stablecoin and wallet features may operate on public blockchains. Digital assets are not legal tender and are not FDIC-insured or SIPC-protected. Blockchain transactions may be public and irreversible. Card products, when available, are subject to issuer approval. Fees and FX may apply. Processing times vary by corridor and review. Some features depend on verification status, jurisdiction, and product availability. Legals: easner.com/terms · easner.com/privacy · easner.com/compliance Questions? easner.com/contact or support@easner.com

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