一個應用程式，涵蓋金錢、社群與連結。
轉帳、投資、揪團儲蓄，持有任何貨幣。在「斯帕克」上聊天、通話、分享精彩時刻，還有內建 AI「Viki」提供的真正協助。
Send & spend, anywhere
- Send and receive money across borders in seconds
- Hold several currencies in one wallet and exchange at clear, upfront rates
- Pay by QR code and with your virtual or physical card
- Top up by card or mobile money, pay bills, and request money from friends in a tap
Grow your money
- Invest in companies from major stock exchanges, right from your phone
- Track your portfolio and the assets you follow in real time
- Sharpen your instincts with predictions on the events you follow
Save & raise, together
- Run a 詹吉 rotating-savings circle with people you trust
- Open a Pool to fund a shared goal as a group
- Launch a fundraiser for a cause close to your heart
- Create events and sell tickets in minutes
Chat, call & share
- Private and group chats with photos, voice notes, and files
- Crystal-clear voice and video calls
- Send money right inside the conversation
Meet Viki, your AI
- Ask Viki in plain language to send money, find an answer, or get something done
Go places
- Search and book flights and hotels without ever leaving the app
Secure by design
- Strong encryption, biometric unlock, and PIN protection
- Identity verification that protects your account and your community