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Can you explain how the savings wallet differs from the smart wallet in terms of interest or returns?

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About FonPay Wallet

FonPay Wallet is a Nigerian digital payment platform available as a mobile application that allows users to buy SME data plans, recharge airtime, pay electricity and cable TV bills, convert airtime to cash, and purchase virtual phone numbers for receiving OTP verification codes. The platform supports transactions across MTN, Airtel, Glo, and 9mobile networks and offers features such as a smart wallet for funds and transfers, a savings wallet, bulk SMS services, and a marketplace for buying and selling products. FonPay also provides a developer API for integrating VTU services into other websites or applications and includes a referral program that rewards users when invited contacts make transactions. According to the site, the platform has over 5,000 registered users and supports 700+ OTP verification services across multiple countries.