Moniqa vs BEEZENDS

Most of us don’t have money problems. We have memory problems. You forget who you lent money to. You forget what you spent. You forget what’s still pending. Moniqa fixes that. It’s a simple way to remember your money properly — without stress, without spreadsheets, without overthinking. Say it. Snap it. Done. — WHAT YOU CAN DO • Track what you spend • Record loans and repayments • See who owes you and what you owe • Keep everything clear in one place — WHY MONIQA No complicated setup No unnecessary forms Just clean, simple tracking that works the way you think — FOR REAL LIFE Friends Family Small business Daily spending Anywhere money gets messy — Moniqa keeps it clear. — Money remembered properly. Privacy Policy: https://getmoniqa.com/privacy Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

BEEZENDS is the all-in-one super app for Nigeria: a secure digital wallet, private messaging and calls, a social feed, workplace tools, a job board, an online mall and ride-hailing — one account, one app. BeeMonie — your digital wallet • Send and receive money instantly with a BEEZENDS account number, phone number or QR code • Withdraw to any Nigerian bank account and fund your wallet by bank transfer • Buy airtime and data, pay bills, and pay merchants by scanning a code • Tiered KYC with NIN and BVN verification, PIN, gesture lock and Face ID protection • Full transaction history and downloadable receipts BeeChat — messaging and calls • One-to-one and group chat with text, photos, video, voice notes, files and location • Free voice and video calls over the internet • Send and receive money directly inside a conversation • Share business cards and manage your BEEZENDS contacts BeeMoments — share what matters • Post photos, videos and updates for friends or the public • Like, comment and repost; control exactly who sees each moment BeeWorkspace — run your business • Create an enterprise, invite staff, and manage departments and roles • Geo-fenced attendance with clock-in / clock-out, shift schedules and reports • Tasks, projects, daily to-dos, approvals and shared documents • Enterprise wallet with spending permissions and payroll in a few taps • CRM, invoices, contracts and equipment tracking for growing teams BeeJobs — hire and get hired • Browse jobs by category, save listings and apply with your profile • Employers post openings, screen applications and message candidates BeeMalls — shop and sell • Open a shop, list products, manage stock and orders • Shoppers browse, add to cart, pay with BeeMonie and track delivery BeeRides — get moving • Request a ride, see fare estimates and track your driver live on the map • Pay the fare from your wallet; drivers get earnings straight to BeeMonie Security and trust • All traffic is encrypted; identity numbers are stored masked and hashed • Real-time alerts for every payment and login • 24/7 in-app support and Help Centre BEEZENDS is operated by BEEZENDS GLOBAL PAY SERVICES LTD, a company registered in Nigeria, in partnership with licensed Nigerian payment providers. You must be 18 or older and complete identity verification to use wallet features. Questions? Email kaycee4pals@gmail.com or visit https://beezends.com