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Finance
Free
Paid
Grossing
Free
1
OPay
OPay Digital Services Limited
4.5⭑
2
OKash: Safe and reliable loan
OPay Microfinance Bank Limited
4.5⭑
3
Moniepoint Business Banking
Moniepoint
4.6⭑
4
PalmPay - Smarter Way to Bank
PalmPay Limited
4.5⭑
5
Moniepoint Personal Banking
Moniepoint
4.5⭑
6
Smartcash PSB
Airtel Africa
4.6⭑
7
FairMoney: Save, Spend, Credit
Fairmoney Tech
4.4⭑
8
EaseMoni—Instant loan online
OPay Microfinance Bank Limited
4.7⭑
9
Quickash
BRIDGENEXT INNOVATIONS LIMITED
4.2⭑
10
eRecharge NG - Cheap data
A D E Developers
3.9⭑
11
Ease Cash-Instant Cash Loan
FUTURECREST INTERNET TECHNOLOGY LIMITED
4.6⭑
12
FlashCredit
FlashCredit App
4.3⭑
13
MoMo PSB NG
MTN Nigeria Communications Plc
4.1⭑
14
OPay Business
OPay Digital Services Limited
4.6⭑
15
IQ Option – Trading Platform
IQ Option
4.3⭑
16
Renmoney MFB Limited
Renmoney MFB
4.3⭑
17
Palmcredit-instant loan online
Newedge Palmcredit
4.5⭑
18
MiniPay - Stablecoin Wallet
Opera
4.5⭑
19
AidaCredit: Safe Online Loan
Ishiagu MFB
4.3⭑
20
Access More
Access Bank plc
4.5⭑
21
CashX - Loan App
Elite ICT
4.4⭑
22
Kuda - Transfers and payments
Kuda Technologies Ltd
4.5⭑
23
UBA Mobile Banking
United Bank for Africa Plc
4.5⭑
24
Frimoni:Simple and Quick Loan
QUARK FINANCIALS NIGERIA LIMITED
4.2⭑
25
Raenest (formerly Geegpay)
Raenest
4.5⭑
26
Tide Cash-Online Credit
ANEZI MARTIN CHIBUIKE
4.4⭑
27
OkadaNaira
OkadaNaira
3.8⭑
28
Jollof Cash-Fast Loan App
Boltbay Investments Limited
4.2⭑
29
Pocket Broker
Pocket Investments LLC
4.3⭑
30
FirstMobile
FirstBank Nigeria
4.4⭑
31
KK Cash
KK Cash APP
4.2⭑
32
Alend: Safe and Instant Loan
LITTLEANT LTD
4.2⭑
33
True Loan:Reliable Online Loan
KUDI PALLY TECH LIMITED
4.1⭑
34
GTWorld
Guaranty Trust Bank
4.5⭑
35
DigitCash - Quick and Safe
CRESTDIGITAL TECHNOLOGY LIMITED
4.3⭑
36
Branch: Instant Loan & Banking
Branch International Financial Services Limited
4.5⭑
37
Tloan
GIASUN TECHNOLOGY NIGERIA LIMITED
4.2⭑
38
Newcredit-safe & instant loan
Newedge Newcredit
4.4⭑
39
Singacash Loan
Abadi Technology Ltd
4.8⭑
40
Zenith Bank Mobile App
Zenith Bank
4.2⭑
41
Trade W - Investment & Trading
TradeWill Global
4.6⭑
42
FastFund - Efficient & Trusted
CONRADO LENDING LIMITED
4.2⭑
43
Cowrywise: Save, Invest safely
Cowrywise
4.5⭑
44
Lairaplus-Reliable Online Loan
grola tech credit limited
4.3⭑
45
SilkLoan - Quick Cash Loan
SILKROAD FINANCE LIMITED
4.2⭑
46
MoniTap
LBEV NIGERIA LIMITED
4.4⭑
47
Futurecash: Online Loan App
Betheone Lending Nigeria Limited
3.4⭑
48
PayPal - Pay, Send, Save
PayPal Mobile
4.2⭑
49
KashFlex
KashFlex
4.1⭑
50
Nmoney
FINNEW FINTECH LIMITED
4.3⭑
51
Easybuy
Easybuy
3.7⭑
52
DataXpress
A D E Developers
3.7⭑
53
Bamboo: Invest. Trade. Earn.
Bamboo Inc
4.1⭑
54
Money Tracker - Budget Keeper
SHIRA LLC
4.5⭑
55
9Credit loan-Instant loan Cash
OTP INTERNET TECHNOLOGY LIMITED
4.0⭑
56
Flexifund - Fund Helper
CORNADO TECHNOLOGY SOLUTIONS NIGERIA LIMITED
4.3⭑
57
Cleva App
Cleva Technologies
4.6⭑
58
FCMB Mobile
FIRST CITY MONUMENT BANK LIMITED
4.4⭑
59
WillTrade - Trading For All
TradeWill Global
4.6⭑
60
SureFund - Fast Loan, Trusted
FLEETWOOD LENDING LIMITED
4.3⭑
61
Fidelity Online Banking
Fidelity Bank Plc.
4.0⭑
62
ALAT
Wema Bank
3.9⭑
63
Stanbic IBTC Mobile 3.0
Stanbic IBTC
3.3⭑
64
Sterling OneBank
Sterling Bank Plc
3.9⭑
65
Ahorrafin: Reliable loan
Chair
4.5⭑
66
Apex Loan - Fast Online Loan
Apex Lending limited
4.0⭑
67
Cashnow-Safe Online loan
KUDO TRUST LTD
4.2⭑
68
MetaTrader 5 — Forex, Stocks
MetaQuotes Software Corp.
4.6⭑
69
Hi Credit - Loan App Nigeria
Maywood Lending Limited
4.3⭑
70
Constant Cash-Instant Loan App
MAGNET LENDING LIMITED
4.3⭑
71
Gogetcredit - Nigeria Loan App
MAGNET LENDING LIMITED
3.9⭑
72
Hiwallet-Easy loan
CORESTONE TECHNOLOGY NIGERIA LIMITED
4.5⭑
73
Ecobank Mobile
Ecobank
3.8⭑
74
StreetPay
Firstlincoln
4.4⭑
75
EZLoan-Installment Cash Loan
PACT OWOH LIMITED
4.2⭑
76
My Wallet: Expense Tracker
GeniusTools Labs
4.8⭑
77
NairaCup-Credit Online
Electronic Fox Limited
4.5⭑
78
FLASHLENDLOAN
KRESTON FINANCE LTD
4.6⭑
79
Trust: Crypto & Bitcoin Wallet
DApps Platform, Inc.
4.4⭑
80
TENN Credit – Instant Loan
TennCredit Group
4.5⭑
81
NiniMoney-Fast Cash Loan App
ANDES NETWORK SPA LTD
4.2⭑
82
Oklin Credit
PIVOTALIZ INNOVATION LTD
4.3⭑
83
Pocket AI
Pocket Investments LLC
4.4⭑
84
Grey
Grey Finance
3.9⭑
85
Pal Loan
BLOOMS MICROFINANCE BANK LIMITED
4.4⭑
86
TENN - Mobile Banking
TENN Group
4.7⭑
87
PiggyVest: Save & Invest Today
Piggytech Global Ltd.
4.6⭑
88
JARA CASH
NAIJASYNC COMPANY LIMITED
4.0⭑
89
BtcDana - Investing & Income
DanaByte Trading
4.4⭑
90
Ajomoni - Instant & Safe Loan
Asoso Globa-tech
4.4⭑
91
Budget Planner - Loan Tracker
BETA BIONIC
4.3⭑
92
Binance: Buy Bitcoin & Crypto
Binance Inc.
4.5⭑
93
Carbon: Mobile Banking & Loans
Carbon Microfinance Bank
3.9⭑
94
ForexDana - Pocket Trading
DanaByte Trading
4.6⭑
95
NiceCredit - Easy Loan online
Papichou Technology Limited
4.6⭑
96
Bybit: Buy Bitcoin & Crypto
Bybit
4.5⭑
97
Sunbay Credit Loan App
PIVOTALIZ INNOVATION LTD
4.2⭑
98
Octa Global
R N V X SOLUTION
4.5⭑
99
Spenda
Spenda Africa
4.7⭑
100
LendMax
GRAYSVILLE TRADING LIMITED
4.0⭑
Free
1
OPay
OPay Digital Services Limited
4.5⭑
2
OKash: Safe and reliable loan
OPay Microfinance Bank Limited
4.5⭑
3
Moniepoint Business Banking
Moniepoint
4.6⭑
4
PalmPay - Smarter Way to Bank
PalmPay Limited
4.5⭑
5
Moniepoint Personal Banking
Moniepoint
4.5⭑
6
Smartcash PSB
Airtel Africa
4.6⭑
7
FairMoney: Save, Spend, Credit
Fairmoney Tech
4.4⭑
8
EaseMoni—Instant loan online
OPay Microfinance Bank Limited
4.7⭑
9
Quickash
BRIDGENEXT INNOVATIONS LIMITED
4.2⭑
10
eRecharge NG - Cheap data
A D E Developers
3.9⭑
11
Ease Cash-Instant Cash Loan
FUTURECREST INTERNET TECHNOLOGY LIMITED
4.6⭑
12
FlashCredit
FlashCredit App
4.3⭑
13
MoMo PSB NG
MTN Nigeria Communications Plc
4.1⭑
14
OPay Business
OPay Digital Services Limited
4.6⭑
15
IQ Option – Trading Platform
IQ Option
4.3⭑
16
Renmoney MFB Limited
Renmoney MFB
4.3⭑
17
Palmcredit-instant loan online
Newedge Palmcredit
4.5⭑
18
MiniPay - Stablecoin Wallet
Opera
4.5⭑
19
AidaCredit: Safe Online Loan
Ishiagu MFB
4.3⭑
20
Access More
Access Bank plc
4.5⭑
21
CashX - Loan App
Elite ICT
4.4⭑
22
Kuda - Transfers and payments
Kuda Technologies Ltd
4.5⭑
23
UBA Mobile Banking
United Bank for Africa Plc
4.5⭑
24
Frimoni:Simple and Quick Loan
QUARK FINANCIALS NIGERIA LIMITED
4.2⭑
25
Raenest (formerly Geegpay)
Raenest
4.5⭑
26
Tide Cash-Online Credit
ANEZI MARTIN CHIBUIKE
4.4⭑
27
OkadaNaira
OkadaNaira
3.8⭑
28
Jollof Cash-Fast Loan App
Boltbay Investments Limited
4.2⭑
29
Pocket Broker
Pocket Investments LLC
4.3⭑
30
FirstMobile
FirstBank Nigeria
4.4⭑
31
KK Cash
KK Cash APP
4.2⭑
32
Alend: Safe and Instant Loan
LITTLEANT LTD
4.2⭑
33
True Loan:Reliable Online Loan
KUDI PALLY TECH LIMITED
4.1⭑
34
GTWorld
Guaranty Trust Bank
4.5⭑
35
DigitCash - Quick and Safe
CRESTDIGITAL TECHNOLOGY LIMITED
4.3⭑
36
Branch: Instant Loan & Banking
Branch International Financial Services Limited
4.5⭑
37
Tloan
GIASUN TECHNOLOGY NIGERIA LIMITED
4.2⭑
38
Newcredit-safe & instant loan
Newedge Newcredit
4.4⭑
39
Singacash Loan
Abadi Technology Ltd
4.8⭑
40
Zenith Bank Mobile App
Zenith Bank
4.2⭑
41
Trade W - Investment & Trading
TradeWill Global
4.6⭑
42
FastFund - Efficient & Trusted
CONRADO LENDING LIMITED
4.2⭑
43
Cowrywise: Save, Invest safely
Cowrywise
4.5⭑
44
Lairaplus-Reliable Online Loan
grola tech credit limited
4.3⭑
45
SilkLoan - Quick Cash Loan
SILKROAD FINANCE LIMITED
4.2⭑
46
MoniTap
LBEV NIGERIA LIMITED
4.4⭑
47
Futurecash: Online Loan App
Betheone Lending Nigeria Limited
3.4⭑
48
PayPal - Pay, Send, Save
PayPal Mobile
4.2⭑
49
KashFlex
KashFlex
4.1⭑
50
Nmoney
FINNEW FINTECH LIMITED
4.3⭑
51
Easybuy
Easybuy
3.7⭑
52
DataXpress
A D E Developers
3.7⭑
53
Bamboo: Invest. Trade. Earn.
Bamboo Inc
4.1⭑
54
Money Tracker - Budget Keeper
SHIRA LLC
4.5⭑
55
9Credit loan-Instant loan Cash
OTP INTERNET TECHNOLOGY LIMITED
4.0⭑
56
Flexifund - Fund Helper
CORNADO TECHNOLOGY SOLUTIONS NIGERIA LIMITED
4.3⭑
57
Cleva App
Cleva Technologies
4.6⭑
58
FCMB Mobile
FIRST CITY MONUMENT BANK LIMITED
4.4⭑
59
WillTrade - Trading For All
TradeWill Global
4.6⭑
60
SureFund - Fast Loan, Trusted
FLEETWOOD LENDING LIMITED
4.3⭑
61
Fidelity Online Banking
Fidelity Bank Plc.
4.0⭑
62
ALAT
Wema Bank
3.9⭑
63
Stanbic IBTC Mobile 3.0
Stanbic IBTC
3.3⭑
64
Sterling OneBank
Sterling Bank Plc
3.9⭑
65
Ahorrafin: Reliable loan
Chair
4.5⭑
66
Apex Loan - Fast Online Loan
Apex Lending limited
4.0⭑
67
Cashnow-Safe Online loan
KUDO TRUST LTD
4.2⭑
68
MetaTrader 5 — Forex, Stocks
MetaQuotes Software Corp.
4.6⭑
69
Hi Credit - Loan App Nigeria
Maywood Lending Limited
4.3⭑
70
Constant Cash-Instant Loan App
MAGNET LENDING LIMITED
4.3⭑
71
Gogetcredit - Nigeria Loan App
MAGNET LENDING LIMITED
3.9⭑
72
Hiwallet-Easy loan
CORESTONE TECHNOLOGY NIGERIA LIMITED
4.5⭑
73
Ecobank Mobile
Ecobank
3.8⭑
74
StreetPay
Firstlincoln
4.4⭑
75
EZLoan-Installment Cash Loan
PACT OWOH LIMITED
4.2⭑
76
My Wallet: Expense Tracker
GeniusTools Labs
4.8⭑
77
NairaCup-Credit Online
Electronic Fox Limited
4.5⭑
78
FLASHLENDLOAN
KRESTON FINANCE LTD
4.6⭑
79
Trust: Crypto & Bitcoin Wallet
DApps Platform, Inc.
4.4⭑
80
TENN Credit – Instant Loan
TennCredit Group
4.5⭑
81
NiniMoney-Fast Cash Loan App
ANDES NETWORK SPA LTD
4.2⭑
82
Oklin Credit
PIVOTALIZ INNOVATION LTD
4.3⭑
83
Pocket AI
Pocket Investments LLC
4.4⭑
84
Grey
Grey Finance
3.9⭑
85
Pal Loan
BLOOMS MICROFINANCE BANK LIMITED
4.4⭑
86
TENN - Mobile Banking
TENN Group
4.7⭑
87
PiggyVest: Save & Invest Today
Piggytech Global Ltd.
4.6⭑
88
JARA CASH
NAIJASYNC COMPANY LIMITED
4.0⭑
89
BtcDana - Investing & Income
DanaByte Trading
4.4⭑
90
Ajomoni - Instant & Safe Loan
Asoso Globa-tech
4.4⭑
91
Budget Planner - Loan Tracker
BETA BIONIC
4.3⭑
92
Binance: Buy Bitcoin & Crypto
Binance Inc.
4.5⭑
93
Carbon: Mobile Banking & Loans
Carbon Microfinance Bank
3.9⭑
94
ForexDana - Pocket Trading
DanaByte Trading
4.6⭑
95
NiceCredit - Easy Loan online
Papichou Technology Limited
4.6⭑
96
Bybit: Buy Bitcoin & Crypto
Bybit
4.5⭑
97
Sunbay Credit Loan App
PIVOTALIZ INNOVATION LTD
4.2⭑
98
Octa Global
R N V X SOLUTION
4.5⭑
99
Spenda
Spenda Africa
4.7⭑
100
LendMax
GRAYSVILLE TRADING LIMITED
4.0⭑
Paid
1
Money Manager (Remove Ads)
Realbyte Inc.
4.8⭑
NGN 2,500.00
2
MyMoney Pro - Expense & Budget
Ananta Raha
4.8⭑
NGN 8,530.00
3
Financial Calculator India Pro
RK Apps
NGN 5,510.00
4
My Budget Book
OneTwoApps
4.9⭑
NGN 7,340.00
5
RigMiner: Bitcoin Miner Cloud
The Farm Miner
3.5⭑
NGN 290.00
6
Military Retirement
LYNNFIELD LLC
NGN 2,160.00
7
10bii Financial Calculator
In A Day Development
NGN 2,160.00
8
Easy Currency Converter Pro
ExtraAndroary
NGN 950.00
9
Tilla Premium
Pavlo Rekun
NGN 3,599.00
10
Finance Pro: Expense control
Jorge de la Hoz
NGN 3,960.00
11
دفتر الحسابات Pro
Abdullah Abdulrahman
NGN 7,440.00
12
AndroMoney Pro
AndroMoney
4.3⭑
NGN 1,440.00
13
Binance Smart Chain Explorer
Crapps Crypto Apps S.R.L.
3.6⭑
NGN 1,220.00
14
US Debt Clock .org
Chrono Numeric Labs LLC
NGN 2,240.00
15
Bruno Pro
Supershift GmbH
NGN 8,050.00
16
Pro Credit Card Reader NFC
Julien MILLAU
NGN 10,000.00
17
Hash Miner-Bitcoin Miner Cloud
miner forward
5.0⭑
NGN 2,900.00
18
Feed MoneyBook Pro
FeedLab
NGN 8,350.00
19
Expense Manager Pro
Bishinews
5.0⭑
NGN 6,470.00
20
Oinkoin Pro - Money Tracker
Oinkoin
NGN 5,680.00
21
Centi PRO - Currency Converter
NikitaDev
NGN 1,370.00
22
BA Financial Calculator PRO
Angel Montana
NGN 2,790.00
23
ExpenseFlow Pro: Money Manager
Adobix Tech
NGN 175.00
24
Financial Calculators Pro
Bishinews
NGN 6,470.00
25
IAM Wallet
IAMLIVE CORPORATION
NGN 4,280.00
26
Home Budget with Sync
Anishu, Inc.
NGN 1,190.00
27
Currency Converter Pro
Julien MILLAU
NGN 4,390.00
28
Stoxy PRO - Stock Market Live
NikitaDev
NGN 17,500.00
29
Alien run bitcoin
Chainmerry Labs
NGN 2,020.00
30
Bitcoin Gpu miner - btc mine
Chainmerry Labs
5.0⭑
NGN 2,020.00
31
Money Manager & Budget Tracker
N Tech
NGN 2,080.00
32
NFC EMV Card Reader
Viliyan Vasilev
NGN 2,700.00
33
Smart Budget Plus
GoldFly Apps
NGN 12,500.00
34
Flowy: Spending Tracker
kyaroru
NGN 90.00
35
Currency Converter Plus
Designer Calculators
NGN 1,140.00
36
Fuel & Costs PRO
Maze Mobileapps
NGN 415.15
37
Stundenrechner Pro
Falko
NGN 2,650.00
38
My Accounts and Expenses
Drossoft
NGN 3,080.00
39
Office Calculator Pro
taobits.net
NGN 420.00
40
Money Tracker Pro
Mostafa Labs
NGN 360.00
41
보안카드+ pro
High Soft
NGN 1,040.00
42
Budget Calendar
MiShell Software Systems
NGN 1,600.00
43
MS Comptes Bancaires Mobile 12
MSoft informatique
NGN 8,260.00
44
Forex Mobile Robot Maker
Mahubele Ronald Seoka
NGN 2,650.00
45
WorldStock
myINDEX
NGN 4,220.00
46
MyCard - Contactless Payment
Road Dogs
NGN 6,320.00
47
MT5 Forex Auto Robot EA Maker
Mahubele Ronald Seoka
NGN 2,930.00
48
Loan Calculator Pro
RK Apps
NGN 660.00
49
WalletLens AI
Vista Works AI
NGN 45,000.00
50
DebtTrack: Track Debt Easily
Devonshire Logic
NGN 1,940.00
51
Home Budget Manager With Sync
SIRI
NGN 5,230.00
Grossing
1
TradingView: Track All Markets
TradingView Inc.
4.6⭑
2
My Wallet: Expense Tracker
GeniusTools Labs
4.8⭑
3
Bitcoin Mining (Crypto Miner)
Bitcoin Mining & Crypto Blockchain rewards cloud
4.3⭑
4
CryptoTab Farm PRO
CT Systems
4.0⭑
5
Investing.com: Stock Market
INVESTING.com
4.4⭑
6
Sprout Network
Growth Chain
4.3⭑
7
Credit Card : Wallet & NFC
Galaxy studio apps
4.7⭑
8
Barebone - AI Finance Research
Barebone AI
4.3⭑
9
BitTycoon: BTC Cloud Mining
Little-Ants
4.7⭑
10
BitTycoon Lite：BTC Mining
Little-Ants
4.5⭑
11
CryptoTab Farm: Digital Gold
CT Systems
4.0⭑
12
Robox – Tap & Earn!
RoboxOne OU
4.7⭑
13
Day Trading SImulator & Games
Kovets
4.4⭑
14
Money Manager – Daily Expense
JEE454
4.6⭑
15
CloudDig
SHELTON KAIT
16
Feenko: Subscription Manager
GotYourBack Technologies LTD
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Digital Wallet: Debit & Credit
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Coronation ShareholderLive
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4.3⭑
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BTC Cloud Mining(Crypto Miner)
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Aveum Network
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Stock Alarm - Alerts, Tracker
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31
TurboMiner-Bitcoin Miner cloud
TURBO CLOUD LLC
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Forex Genius
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BTC Cloud Mining : TapMiner
QF Intech
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Kraken: Buy Stocks & Crypto
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spp infotech
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39
AI Pro Trading Signal
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BudgetBakers
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BTC Cloud Miner
NextGenerationAI
42
Forex Auto Trading bot Live
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BTC Cloud Mining - CryptoRise
GaneshaApps Studios
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LOBSTR: Buy XLM & Crypto
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Cash Receipt Generator
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YNAB
ynab.com
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ArbiHunt - Crypto Arbitrage
Digital Warriors
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Forex Signals Daily
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3.6⭑
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Ethereum Mining, ETH Miner
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OPCODE LABS
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TabTrader: Crypto Terminal
Tabtrader Acquisition Corp
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BitCloudFarm Miner, BTC Mining
Crypto Mine Solution
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YL Innovation
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AI.NATION
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xR Studio LLP
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Daily Expense Tracker
AETOSEN
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Delta by eToro
Delta by eToro
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BitRush
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Finesso: AI Trading Assistant
Rexa Software
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65
Speed Wallet - Buy Bitcoin
Speed1 Inc
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66
CustomBank
CustomBank
4.0⭑
67
Stock Analysis: Stocks & Funds
StockAnalysis
4.4⭑
68
Profit AI - Trading Assistant
ZKapps
4.5⭑
69
Arbimate
lyemac
4.0⭑
70
Pvium Web3 Invoice Wallet
Fero Technologies, LLC
4.7⭑
71
CoinGecko: Crypto Tracker
CoinGecko
4.5⭑
72
Trading Game - Stock Simulator
tradinggame.com
4.2⭑
73
Forex Price Alerts + Crypto
QM4 Designs
4.3⭑
74
Money Tracker Expense Tracker
Gulooloo Tech Co., Ltd.
4.6⭑
75
CryptSync: Crypto Wallet
CryptSync
5.0⭑
76
Loan, Finance & Bank Tracker
FinX Tech Lab
77
Monefy - Budget & Expenses app
Reflective Technologies
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Receipt Maker: Sign Print Send
Artificial Intelligence Technologies
4.4⭑
79
Crypto Coin-Buy & Sell Signals
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80
Currency Exchange-converter
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4.5⭑
81
Splitwise
Splitwise
4.2⭑
82
Bill Payment Reminder, Budgets
TimelyBills
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Forex Precision Signal
Cuanday
84
Forex Backtest
thichmautim
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Expense Manager
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86
Gift & Credit Card Wallet
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Budget App & Tracker: Spendee
SPENDEE a.s.
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88
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GIGA Infra CO
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89
Budget Planner App - Florita
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90
Expense AI - Expense Tracker
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Support & Resistance
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Loan Emi Calculator
DOSA Apps
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93
Drakdoo: Bitcoin & FX Signals
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ZipA: Crypto Arbitrage Scanner
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MobileCoin - Mine Crypto Phone
MobileCoin
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My Debt Manager & Tracker, IOU
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2.6⭑
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Smart Finance: Loan Calculator
EXPERT MEDICAL BILLING LLC
5.0⭑
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