What's New in v4.4.0 KREDETE PLANS, REBUILT Compare Basic, Flex and Premium side by side, then subscribe in a few taps. Switch billing cycles, change what pays, or cancel, all in the app. ALL YOUR CARDS, ONE PAGE Swipe between your virtual and physical cards, and freeze either from the top bar. Agentic Cards are here: check them out from the Cards page. PRAEL, FRESH START Tap New chat to start a clean conversation any time. Your current chat now survives a lock, a restart or a sign back in. FEES UP FRONT Rates and fees are grouped by currency, so you can check USD, EUR, GBP or NGN at a glance. Each transfer method shows its fee right beside its delivery time. SAVINGS GOALS Deposit into a goal, or withdraw from one, straight from your balance or vault. Your goal page tells you when a goal is achieved or a locked goal has unlocked. ELECTRICITY BILLS Verifying a meter now shows the customer address and any outstanding debt before you pay. Amounts follow your provider's own limits. SMARTER SENDING Add a saved recipient's missing details before you send, so nothing fails after your PIN. Crypto sends and swaps now confirm with Face ID or your passcode. SPENDING INSIGHTS See how much you actually spent in each currency, all in one currency. Filter your top recipients by country and track how your biggest spending category moves month to month. SMOOTHER ALL ROUND Postal codes format themselves as you type, your investments show today's gain or loss, and choosing a new PIN is quicker when one is turned down. Plus a steadier app throughout. Thank you for using Kredete.

What's New in v4.3.5 COLOMBIA AND BRAZIL JOIN THE LIST Colombia is open: send to a Bre-B key or straight to a bank account, choose the method right on the send screen, and save the recipient for next time. Brazil is open too, over PIX, the way Brazil actually pays. And on any transfer you can now start from the other end, typing the amount you want landing in their account and letting us work out what you send. TRAVEL DATA WITHOUT SWAPPING A SIM Buy an eSIM for wherever you are going, right here. Browse plans by destination, pay from your balance, and watch your data and days count down in My eSims. Been somewhere before? Reorder that plan from its receipt and it is priced fresh, so you are never buying yesterday's quote. SPENDING INSIGHTS ARE HERE See the merchants you pay most and the people you send to most, ranked, and keep scrolling as far back as your history goes. The picture you always had a feeling about, now with the numbers attached. USDT0 JOINS USDC A second stablecoin, wherever you already move the first. Send it, receive it, deposit it, and save a recipient against the asset they actually hold. The networks on offer follow the asset you pick, so you cannot strand a transfer on a chain that will not carry it. LOANS WITHOUT THE FORM FILLING Cash advance options now open in a proper marketplace inside the app, so you can look through what you qualify for without being handed off somewhere else. In the US we hand your saved address and details straight to the application, so it opens ready to go instead of blank. SMOOTHER ALL ROUND Prael timestamps every message, lays results out in readable tables, and tells you what it is actually doing while you wait. Unlimited eSIM plans now show what is left rather than what is spent. Steadier transaction details, calmer lists as they load, and an end to eSIM being wrongly called unsupported on phones that support it. New places to send, a new coin to send, and data for the trip. Thank you for banking with Kredete.

What's New in v4.3.4 YOUR PORTFOLIO ON YOUR HOME SCREEN Your invest balance now sits on the home screen, and one tap takes you straight into your portfolio with the chart, the day's change and every position. Your crypto and investment rows say what is actually behind the figure too, right down to how many tokens you hold. No more opening three screens to answer one question. FIND YOUR ADDRESS, DON'T TYPE IT One field, one search. Start typing and pick your address from the list, and the country, state, city and postcode land on their own. Ordering a card is the shortest it has ever been. VERIFICATION THAT FITS YOUR SITUATION Employed, self-employed, or between things right now, the form asks only what applies to you. No employer, no employer questions. Fewer fields, fewer dead ends, and a verification you can finish in one sitting. SMOOTHER ALL ROUND Clearer card refund breakdowns, steadier balances and charts, sharper transaction details, and a calmer app from the first screen to the last. PRAEL GETS THINGS DONE Your assistant no longer just talks about it. Ask to fund a card, open or top up a savings goal, swap between currencies or settle a fund request, and the confirmation arrives as a card you can read line by line before you tap. Everything that moves money still asks for your PIN. Say it, see it, do it. Something new is waiting on your home screen. Thank you for banking with Kredete.

What’s New in v4.3.3 DISCOVER WHAT’S MOVING Invest just got a whole lot more exciting. See the assets people are trading most, alongside featured picks worth keeping an eye on. FIND YOUR NEXT PICK Found an asset you like? We’ll now show you similar ones right on the asset page, making it easier to explore, compare, and discover your next opportunity. NEVER MISS THE MARKET Know exactly where you stand before placing an order. See when the market is open or closed, plus a live countdown showing how much trading time is left. When the market closes, your orders are safely held until it opens again. ORDER WITH CONFIDENCE We’ve made buying into assets and prediction markets simpler from start to finish. Clearer amounts, smarter buttons, helpful progress states, and a smoother flow mean less guesswork and more confidence every time you place an order. SMOOTHER. SHARPER. MORE RELIABLE. We’ve polished things under the hood too. With improved sector filters, asset logos, portfolio and favourites search, better dark mode contrast, and overall stability. More to discover. More to invest in. More reasons to keep exploring. Thanks for being part of Kredete.

What's New in v4.3.3 A SWIFT ACCOUNT OF YOUR OWN Open a USD account that receives SWIFT transfers and get paid by any bank in the world. SEND ABROAD WITHOUT CHASING A SWIFT CODE Search your recipient's bank by name. We fill in the SWIFT code, branch and address. FOLLOW EVERY TRANSACTION, STEP BY STEP See the stage your money has reached, what is still ahead, and when it lands. PAYMENT REQUESTS, FILTERED YOUR WAY Narrow by status, by type, or both, and the view you set stays where you left it. KNOW YOUR TIME ON EVERY TRADE The countdown follows you from the event onto the order form, so you always know how long you have to decide. Along with refinements throughout the app. Thank you for using Kredete.

What's New in v4.3.1 This update brings the new Market experience, card balances on your home screen, a smoother account setup, and a long list of stability fixes. TRADE IS NOW MARKET Trade has become Market, your home for stocks and prediction markets. Browse by category, search across every market, and see prices update live. Event pages now open with the details already showing, charts are labelled at every interval and respond to touch, and markets are ordered by likelihood so the most relevant ones come first. Order forms tell you more before you commit: size a limit order in dollars or in shares, see the payout on a shares order, watch the countdown to close, and get quoted the price the market itself is offering. You can review your open orders, cancel an order and see the outcome, and orders that can no longer be placed are now stopped clearly instead of failing quietly. A SMOOTHER PATH TO YOUR ACCOUNT Setting up an account is more straightforward. There is a new application path for accounts that need extra review, and you are guided to the right flow instead of hitting a dead end. Direct deposit setup now moves you from step to step automatically, the account purpose page reads in your language, and you can describe your own source of funds when none of the options fit. MONEY IN YOUR LANGUAGE Amounts are now written and read in the language you use the app in, across balances, receipts, and the amount keypad. Balances no longer round away a cent, and typed cents can no longer be misread as thousands. SIGN UP AND VERIFICATION Sign up and identity verification have fewer dead ends. Verification continues to BVN once NIN succeeds, failed attempts and stale errors no longer block a retry, the email verification code field keeps up with what you type, and social sign ups now show the terms and privacy consent up front. SENDING MONEY Transfer eligibility checks are more accurate, and the onboarding prompt no longer interrupts you when you send or move money. ACCOUNT LIMITS AND UPGRADES Account limit and tier upgrade details are more reliable: your address is filled back in where we already have it, the status card stays tappable, and blocked upgrades point you to the right place for help. YOUR CARD, OUTSIDE THE US For customers outside the US, your card balance now appears on the home screen, so you can check it without opening the card. Card actions have moved into a clearer More actions section, withdrawal limits are easier to find, and if you do not have a card yet, It is easily highlighted for you. IMPROVED PERFORMANCE AND RELIABILITY We fixed the most common crashes reported in the last release, sped up image loading and list scrolling, removed a duplicate tap vibration on Android, corrected pull to refresh on short pages, and restored the correct status bar appearance when leaving a dark screen. Many smaller layout and copy issues throughout the app have also been resolved. Thank you for using Kredete.

What's New in 4.3.0 FASTER SIGN-UP AND VERIFICATION Signing up is quicker and simpler, with clearer email and phone verification screens. Return mid-setup and you pick up where you left off with step by step guides and clearer error messages. MORE WAYS TO MOVE MONEY Send again straight from a past transaction, retry a failed transfer, and reach more destinations with new payment rails in the United States and Mexico. Payment requests gain search and a smoother chat view, and your USD account details, including SWIFT, are available to share. CARDS, CREDIT AND SAVINGS Ordering a physical card now uses a two-step address flow with delivery options and a summary before you confirm. Users in the United States can start credit building from the home screen, and the credit score chart is backed by real score history. SELF-CUSTODY CRYPTO Set up a self-custody wallet, hold and fund USDC, swap with gas fee estimates shown upfront, and restore your wallet with your recovery phrase. REFRESHED BALANCE CHART The balance chart has been rebuilt for smoother, more accurate movement, alongside interface refinements across the app. STABILITY AND SPEED Faster startup, fewer unexpected sign-outs, more accurate currency conversion, plus bug fixes and performance improvements throughout. Thank you for using Kredete.

What's New in v4.2.7 CARD EXPERIENCE FIXES Card details now display correctly with the World Cup theme. We also fixed card flipping behavior for a smoother experience. UI POLISH We resolved overflow issues, corrected app icon variants on iOS, and made cosmetic updates for a cleaner interface. IMPROVED RELIABILITY This release includes logic cleanups and general performance and stability improvements across the app. Thank you for using Kredete.

What's New in v4.2.6 WORLD CUP THEME Celebrate the tournament with a fresh World Cup-themed experience across the app, including themed buttons and visual flourishes. SMARTER PRAEL Prael now renders rich HTML responses for better readability. Cancel messages mid-send if you change your mind, and see optimistic previews the moment you send a message or image. GUIDED WALKTHROUGH New coachmark tooltips guide you through key features so you can get the most out of Kredete from day one. IMPROVED RELIABILITY Resolved issues and various cosmetic improvements throughout the app. Thank you for using Kredete.

What's New in v4.2.5 WORLD CUP THEME Get into the spirit of the tournament with a redesigned slide-to-send button, a fresh chat background, and new success animations across the app. PRAEL HAS A NEW HOME Your AI assistant Prael now has its own tab at the bottom of the app. We also reworked how Prael behaves when your account is still being set up, gently guiding you through the steps so it can do more for you. UNIFIED STOCK TRADING Buying and selling stocks now happens in a single, cleaner screen. Prediction markets also get clearer titles and a more polished look. LIVE WALLET ACTIVITY Your wallet now stays up to date automatically. Transactions, transfers, and balance changes appear the moment they happen — no need to pull down to refresh. CHATS THAT KEEP UP Sent messages and images now appear in your conversations instantly, so chats feel snappy even on slower connections. DASHBOARD POLISH We refined visuals across multiple screens and fixed the show/hide balance toggle so it remembers your preference and never gets stuck. SMARTER OFFERS CARD The offers carousel has been rebuilt as a tinder-style swipe deck. Swipe in any direction to flick through, and large amounts now auto-shrink to fit cleanly on screen. RETRY FAILED TRANSFERS Failed transactions are clearly flagged in your history with a retry option, so you can run them again in seconds without re-entering everything. IMPROVED RELIABILITY Fixes for a home page crash, a crypto mini-crash, the account verification flow, USDC funding visibility, the walkthrough screen, offer cards, request money, reward popups, the Prael chat input, and in-app browser windows that need to open new tabs. Thank you for using Kredete.

What's New in v4.2.4 WORLD CUP THEME Get into the spirit of the tournament with a redesigned slide-to-send button, a fresh chat background, and new success animations across the app. SMARTER OFFERS CARD The offers carousel has been rebuilt as a tinder-style swipe deck. Swipe in any direction to flick through, and large amounts now auto-shrink to fit cleanly on screen. GLOBAL SIGN-UP IMPROVEMENTS Sign-up is friendlier for users outside Nigeria and Ghana. Pick your country code freely, and skip the phone location verification step when it does not apply to you. UNIFIED STOCK TRADING Buying and selling stocks now happens in a single, cleaner trade screen. Prediction markets get clearer order titles and a polished interface. RETRY FAILED TRANSFERS Failed transactions are now clearly flagged in your history with a retry option, so you can rerun them in seconds without re-entering everything. DASHBOARD POLISH AND KYC GATING We refined visuals across multiple screens, fixed the balance-visibility toggle and its hidden zero state, and gated advanced features behind KYC so the dashboard only shows what is actually available to you. IMPROVED RELIABILITY Resolved a crash on the home page and a crypto mini-crash. Fixed the decimal point in the request money keypad, focus issues in Prael chat, and a handful of smaller bugs across the app. Performance and stability improvements throughout. Thank you for using Kredete.

What's New in Kredete TRADE: STOCKS, ETFS AND PREDICTION MARKETS Introducing Trade — buy and sell stocks, ETFs, and place orders on prediction markets directly from your Kredete app. Track your open orders, view outcomes, and explore market categories all in one place. REQUEST MONEY WITH CONVERSATIONS A completely redesigned payment requests experience. Send images, filter by status, and have real-time conversations with contacts about pending payments. GUIDED WALKTHROUGH New interactive coachmarks guide you through key features when you first open the app, helping you get the most out of Kredete. SEND TO CONTACTS Easily find and send money to other Kredete users directly from your phone contacts. IMPROVED RELIABILITY Fixed crashes on the homepage, resolved search issues when sending money, and improved overall app stability. Thank you for using Kredete.

What's New in v4.2.1 REDESIGNED DASHBOARD A fresh, modern look with balance charts showing how your money moves over time. See spending insights by category and access your favorite features faster than ever. MOVE: SEND AND RECEIVE UNITED Introducing Move — a unified flow for sending, receiving, and requesting money. One seamless experience for all your transfers. LIFESTYLE HUB Your one-stop shop for travel and services. Book flights, hotels, and eSIMs. US users can access Cash Advance through our MoneyLion integration. PRAEL AI ASSISTANT Get intelligent suggestions powered by AI. Chat history now persists so you can revisit past conversations anytime. ENHANCED VIRTUAL CARDS Flip your card to reveal details with PIN verification. Freeze and unfreeze cards instantly. Expanded cashback rewards with more merchant partners and detailed offer information. SAVINGS IMPROVEMENTS Track your savings goals with performance summaries and projections. New yield overview shows exactly how your savings are growing. CREDIT SCORE ENHANCEMENTS View dual credit scores with trend charts. TransUnion integration for comprehensive credit monitoring. IMPROVED RELIABILITY Better deep link handling — links now open directly where they should. Bug fixes and performance improvements throughout the app. Thank you for using Kredete.

What's New in v4.2.0 REDESIGNED DASHBOARD A fresh, modern look with balance charts showing how your money moves over time. See spending insights by category and access your favorite features faster than ever. MOVE: SEND AND RECEIVE UNITED Introducing Move — a unified flow for sending, receiving, and requesting money. One seamless experience for all your transfers. LIFESTYLE HUB Your one-stop shop for travel and services. Book flights, hotels, and eSIMs. US users can access Cash Advance through our MoneyLion integration. PRAEL AI ASSISTANT Get intelligent suggestions powered by AI. Chat history now persists so you can revisit past conversations anytime. ENHANCED VIRTUAL CARDS Flip your card to reveal details with PIN verification. Freeze and unfreeze cards instantly. Expanded cashback rewards with more merchant partners and detailed offer information. SAVINGS IMPROVEMENTS Track your savings goals with performance summaries and projections. New yield overview shows exactly how your savings are growing. CREDIT SCORE ENHANCEMENTS View dual credit scores with trend charts. TransUnion integration for comprehensive credit monitoring. IMPROVED RELIABILITY Better deep link handling — links now open directly where they should. Bug fixes and performance improvements throughout the app. Thank you for using Kredete.

What's New in v4.1.4 • Mother's Day Campaign Nominate your mom and show her some love with our special Mother's Day promo. • Eid Celebration Celebrate Eid with themed cards and a festive splash experience. • Better Deep Links Links now open directly in the right place — smoother and more reliable. Bug fixes and performance improvements Love Kredete? Leave us a review!

What's New in v4.1.3 We've been listening to your feedback and made improvements that matter. • Share Your Experience — Tell us how we're doing with our new in-app feedback feature. Your voice shapes how Kredete evolves. • Referral Reminders — Never miss a chance to earn rewards. We'll gently remind you to share Kredete with friends. • Smoother Onboarding — Opening NGN and USD accounts is now faster and more intuitive. • Better Notifications — Redesigned alerts that are easier to read and less intrusive. Plus stability improvements and bug fixes for a smoother experience. Questions? Reach out to us anytime at support@kredete.com

What's New: - Referral reminders to help you invite friends and earn - Clearer NGN & USD account onboarding - Improved notifications with new toast overlays - Better password validation messages - Updated selfie upload experience Bug fixes and performance improvements. Update now!

What’s New: We’ve been busy making the app faster, smarter, and more rewarding - Rewards are here – Earn and track points directly in the app - Account upgrades made easy – Clear limits, smoother tier upgrades, and better onboarding guidance - Smarter transfers – Improved reliability, support for corporate & wallet transfers, and protection against duplicate charges - Better ATM experience – Clear withdrawal limits with helpful tips - Enhanced setup & verification – Improved KYC flow, task visibility, and navigation - Updated crypto travel rules UI for a clearer experience - Referrals & insights – Improved navigation and tracking Improvements & Fixes - Faster performance and better network reliability - Improved UI responsiveness and overall app stability - Fixed transfer retry issues, KYC inconsistencies, and dropdown bugs - Resolved crashes, image issues, and password errors - Better localization and translations We’re constantly improving to give you a smoother experience—update now!

What's new: Easter theme with festive splash & app icon! NEW: KAI AI payment assistant for flights & transfers Apple Pay support added App-wide Feature Improvements: • Clearer request funds status • Address on electricity receipts • Better ATM error messages • Faster app startup Bug fixes & stability improvements.

- Performance Improvements - More USD Transfer Options - Easter eggs...

- Performance Improvements - Bunch of new stuff

- Performance Improvements - Updated Splash Animation - Security Updates

- Performance Improvements - Bunch of new features - Security Updates

Important Performance Updates and Bug Fixes

Bug Fixes Performance Optimizations