A big update to BMONI: • A new shuffle-deck view for your wallets, cards and savings goals • Groups, rebuilt: a redesigned group chat, group calls, invites from your contacts or a link, and group wallets to fund, request and swap money together • Chat: WhatsApp-style replies and reactions, see who reacted, and "Read more" for long messages • Send abroad your way: choose how your money arrives in more countries (like China via Alipay), with balance checks that include fees • Refreshed Savings with clearer rules and an honest breakdown of what you'll receive • Heads-ups before a card maintenance fee or a slow payment route catches you out • A guided face setup for sign-up and recovery, on an updated face security engine • Close your account from Profile, with 7 days to change your mind • A faster app start, plus many fixes and improvements

- A smoother verification experience for Nigerian users - More control over your money with the option to cancel money requests from chat and remove saved beneficiaries - Enhanced security with automatic app lock when the app is in the background - Smoother transfers and bill payments with clearer rates, better wallet selection, and improved processing - Improved cards, QR scanning, notifications, profile updates, and overall app reliability

- More from your cards: Discover and redeem exciting benefits available with your BMONI cards. - Stay in the loop: A new notification centre makes it easier to keep track of your activity and manage your updates. - Smarter security, fewer interruptions: Enjoy quicker transfers between your own wallets, device biometrics for higher-value card top-ups and bill payments, and a fresh BMONI face scan when sending money to others. - Smoother money transfers: Enjoy an improved experience when sending money and managing recipients. - A more reliable experience: Improved sign-in, bill payments, in-app support and overall performance.

- Faster transaction history with smoother loading as you browse - Improved sending, saving, and swapping with clearer guidance and more reliable balance checks - Enhanced privacy with sensitive information hidden when switching between apps - More accurate notification badges, smoother identity verification, and performance and stability improvements

• Redesigned Send: send to more countries, to external wallets, or invite someone who isn't on BMONI yet to get paid • Clearer send errors and amount limits shown in your own currency • Fund any card from any wallet, with the rate and balance shown upfront • Refreshed Swap screen, with plainer below-minimum messages • Smoother ID verification: pre-upload photo check and clearer face-scan retries

- A refreshed, unified BMONI experience with updated colours, consistent screens, smoother navigation, and improved Cards and Wallets - Faster money transfers with a simpler amount-first flow and upfront recipient verification - Smoother USD wallet verification with clear progress, status updates, and easy retries - More reliable transfers and performance improvements

- Redesigned signup and onboarding for a faster, simpler account setup experience - Smoother identity verification with additional ID support, improved document capture, and the ability to continue where you left off - Improved sending with better recipient matching, verification handling, and clearer money request flows - Save recipients for faster airtime and data top-ups - Improved reliability on slow or unstable networks, with clearer errors, automatic retries, and overall performance improvements

- Improved links that bring you into BMONI

- Smoother sign-up and recovery: a cooldown timer and clearer guidance after too many one-time-code attempts, plus a fixed account-recovery flow. - Clearer identity verification: specific rejection reasons, an honest “upload interrupted” message on slow connections, and fewer repeated face scans. - Bill payments now show an accurate processing state before confirming success. - Performance and stability improvements, including faster onboarding on low-end devices and correctly localized notifications.

- Pay bills in-app with airtime, data, TV subscriptions (DStv/GOtv) and electricity tokens, complete with receipts and payment history. - Enhanced MXN wallet experience with improved activation, identity verification, deposits, withdrawals and seamless legacy balance migration. - Clearer transaction history with redesigned transaction lists, improved descriptions and easy-to-read status updates. - Smoother sign-up and onboarding with more reliable OTP delivery, clearer error messages and a better recovery experience. - Improved wallet experience with refreshed wallet screens, smarter deep links and better empty states for wallets, groups and cards. - Performance and stability improvements across the app, including verification, notifications and overall reliability.

- Improved reliability when creating cards and completing supported transfers. - Better automatic recovery from temporary wallet signing issues. - General performance improvements and bug fixes.

- Improved sign-up and account recovery with better OTP delivery via SMS and email, more reliable recovery, and enhanced support for international numbers - Improved verification experience with more reliable biometric checks, smoother document scanning and retries, and enhanced onboarding guidance - Improved bank withdrawals, card activation, and wallet/card screens for a smoother payments experience - Performance, reliability, and stability improvements across the app

- Important reliability improvements and bug fixes to improve sign-in, sign-up, and account recovery.

- Easier wallet funding with funding details displayed when your NGN wallet is new or inactive - Improved onboarding and verification experience with clearer guidance, smoother NIN flow, and better biometric handling - Pick up where you left off - if setup is interrupted, you can sign back in and continue from where you stopped - Improved USD wallet verification and transfer flows, including clearer handling of unsupported currency pairs - Better OTP feedback, improved reliability, and performance enhancements across the app

- Smoother profile & verification screens: refreshed look for your verification status, with clearer icons and a tidier layout. - Behind-the-scenes improvements: small refinements for a more stable experience.

- Improved profile and verification experience with refreshed status screens, clearer guidance, and better support for Aadhaar, Canadian, and passport verification flows - Improved sign-up and account recovery with smarter OTP delivery, email fallback, and more reliable verification code handling - Smoother sending experience with improvements to USD transfers, Lebanon payouts, bank transfer fees, and swap confirmations - Better chat experience with pinned messages, offline message caching, and improved handling of blocked contacts - Behind-the-scenes performance, stability, and reliability improvements

- Smoother onboarding - Rebuilt account setup with faster, more guided signup and identity verification. - Send to more countries - Now pay out to Lebanon, with upfront exchange rates, transfer notes, and cleaner confirmation screens. - Better chat & calls - Pinned messages, a dedicated Calls tab with history, one-tap calling, and improved group tools. Calls now respect silent/Do Not Disturb, plus better reactions and link previews. - Faster verification - Quicker, more reliable identity checks, photo uploads, and one-time-code entry, with clearer guidance. - Polished wallet & payments -Cleaner wallet cards, clearer wording, smarter limits, and more accurate currency conversions. - Under-the-hood improvements - A lighter, more stable app with quicker updates and refinements from your feedback.

- Send & Swap: add notes to bank transfers, clearer rates, and faster balance updates. - Smoother sign-up and cards, plus a fresh wallet deposit page. - More reliable KYC, recovery, and deeplinks. - Chat upgrades: emoji reactions, a media & links tab, call logs, and blocked-user controls. - Performance and stability improvements.

A smoother physical card add and activation experience, with wallet balances always up to date on the confirmation screen.

- Redesigned cards experience with a cleaner Create Card flow, editable spend limits, and simpler card activation - Enhanced card security with improved controls, hidden sensitive information for frozen cards, and BVN support for NGN cards - Improved chat experience with reactions, media sharing, call logs, better offline handling, and group enhancements - Improved transfers and swaps with clearer conversion rates, transaction descriptions, CAD wallet support, and refined wallet screens - Performance, localization, onboarding, and reliability improvements across the app, including business authentication and biometric setup enhancements

- Refreshed BMONI branding across the app, including updated app icon, splash screens, and wallet/card visuals - Improved physical card activation reliability - Fixed an issue where USD onboarding could get stuck during account finalization - Improved KYC experience with cleaner document upload and rescan flows - Enhanced swap experience with clearer rate previews and conversion details - Improved recipient handling along with chat and media experience refinements - General bug fixes, performance, and stability improvements

- Added a Set PIN prompt after creating a virtual card for easier setup - Enhance security with screen protection - Improved chat experience with delivery/read indicators and smoother contact flows - Improved payments with clearer balance checks, funding, transfers, and swap labels - Smoother account, card, and recovery flows with better guidance and stability

- Improved KYC flow reliability, including retry support and routing fixes. - Included multiple stability and performance improvements across the app.

- Fixed an issue where the currency swap screen could remain open after a successful swap. - We also made general improvements for a smoother wallet experience.

- Improved OTP and sign-in experience for smoother verification - Enhanced send-to-bank reliability, including fixes for US bank confirmation flow - More consistent conversion rates and improved transfer handling - Improved KYC guidance with clearer instructions - Performance, stability, and reliability improvements across the app