PreSpend vs Daya Stocks

With PreSpend, you're in control of your spending — impulse isn't. Plan your money in wallets, set limits, and protect what's meant for rent, food, and family. PLAN YOUR MONEY Every naira you deposit lands as unplanned money first. Then you decide where it goes — Food, Transport, Rent, Savings, whatever matters to you. Create wallets for each purpose and split your money with a plan. TRANSFER & PAY Send money to any Nigerian bank account. Buy airtime or data. Pay electricity and cable bills. All from the same app, all drawing from the right wallet. SPENDING WALLETS — YOUR EVERYDAY MONEY Daily spending lives here. Set daily limits so you don't blow through your budget before the week is over. Uncle is watching. COMMITMENT WALLETS — MONEY YOU'VE PROMISED Rent. School fees. Family obligations. Money in a Commitment wallet waits 6 hours before it can leave. That cooling period is the whole point — it stops you from touching money you've already decided to use elsewhere. ASSET WALLETS — MONEY YOU'RE GROWING Your savings and long-term money. A 24-hour waiting period means you have to really mean it before anything moves. Lock funds until a future date if you want to take it even further. THE VAULT — YOUR SERIOUS MONEY The Vault is for money you don't want to see unless it's an emergency. Deposits above ₦10,000 automatically move 5% into your Vault. To get it out, you start an emergency release and then wait, because that's the point. Your first vault break each month is free. SAFE & PROTECTED Powered by Safe Haven MFB. Licensed by the CBN. Insured by the NDIC. Your money isn't just sitting somewhere — it's protected.

Stocks by Daya: Your Gateway to Global Markets Build your wealth with a simple, secure, and professional brokerage experience designed specifically for Nigerian investors. Stocks by Daya brings the world’s most recognizable companies, ETFs, and high-growth pre-IPO opportunities directly to your fingertips. We’ve removed the complexity of crypto terminals and institutional jargon to give you a clean, intuitive investment experience. Whether you are looking for long-term stability or exposure to the next generation of tech unicorns, Stocks by Daya makes investing straightforward and accessible. INVEST IN GLOBAL OPPORTUNITIES - Public Stocks & ETFs: Build your portfolio with access to top global companies and ETFs across major sectors. - Private Pre-IPO Assets: Gain early exposure to emerging private companies before they hit the public market. - Gold & Metals: Diversify your holdings with commodity-like exposure to precious metals. DESIGNED FOR YOUR LIFESTYLE - Simple Funding: Start investing quickly with Naira (NGN) bank transfers, or deposit via USDC and USDT. - Easy Trading: Buy and sell by USD amount with a simple, brokerage-style interface. - Transparent Receipts: Every trade comes with a clear, detailed receipt so you always know where you stand. - Professional Custody: Your assets are held securely in a custodial environment designed for your peace of mind. WHY CHOOSE STOCKS BY DAYA? - Nigeria-First: We are built for the Nigerian investor, with support for local bank withdrawals. - No Complex Interfaces: We believe investing should be simple. No token tickers, wallet addresses, or complicated routing—just clean, actionable assets. - Built for Growth: Whether it’s tech giants or promising private companies, we help you access assets that were once out of reach. GET STARTED TODAY - Download Stocks by Daya. - Start building your global portfolio