CitizenWealth

Your money shouldn’t lose value while it sits. And it shouldn’t cost a fortune to send home.

CitizenWealth is a borderless financial platform for global communities. Hold stable currencies, save together with your community across any border, and send money home - all from one app.

HOLD THE WORLD'S STRONGEST CURRENCIES
• Open a digital wallet in minutes. Hold USD and EUR — stable value, backed by regulated custodians.
• Fund via bank transfer (ACH, Faster Payments, SEPA) or mobile money. No minimum balance. No maintenance fees.

SAVE TOGETHER — ACROSS ANY BORDER
Digitize your stokvel, chama, tanda, esusu, tontine, or paluwagan. CitizenWealth savings clubs support up to 50 members worldwide and offer flexible club types:
• Rotating Payout — the classic structure, now in stable currencies
• Shared Goal — pool funds for property, education, or business
• Emergency Fund — a community safety net with transparent payouts
• Investment Club — grow together and save towards investing for something big

Every contribution is tracked on a real-time transparent ledger. Multi-admin governance, auto-pay scheduling, activity feeds, and milestone celebrations keep your group organized and connected - even across time zones.

SEND MONEY HOME FROM 1%
• Transfer funds to 20+ countries across 12+ African corridors.
• Recipients get paid in local currency via bank transfer or mobile money.
• No hidden fees.
• Zero recipient fees.
• Real-time tracking from send to receive.

EARN REWARDS ON YOUR SAVINGS
• Get cashback rewards on what you save — up to 3%, credited daily and paid out monthly.
• No lock-up.
• No minimum balance.
• Current reward rates and eligibility are shown in the app before you opt in.

BUILT ON TRUST, NOT PROMISES
• Fund segregation — your money is never lent or invested without consent
• Every fee visible before you confirm — no surprises

TWO SIMPLE PLANS
• Basic (free): Full access to wallets, savings clubs, and transfers.
• Pro ($9.99/month): Lower fees on every transaction, external sends, and priority support.

WHO IT’S FOR
• Diaspora families sending money home and saving together across borders
• Savings club organizers tired of spreadsheets and WhatsApp disputes
• Freelancers and remote workers earning in USD, GBP, or EUR
• Anyone who wants their savings to hold value — not lose it

Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Privacy Policy: https://citizenwealth.app/privacy