Memoir Application is not a bank, but many people sees it as a bank. In some senses, Memoir act as a savings bank without interest, keeping your funds safe and stabilize to avoid inflation in society. Its a value saving bank, and not a cash saving bank. Although they are the same, but have some distinct differences.

For example;
Memoir is a knowledge bank that allows anyone to earn digital currency in TRP, then withdraw money directly from Memoir account to Bank account. Memoir helps you earn and store baino currency, while Bank helps you save and spend local currency.

O3T refers to One-On-One Telecommunication, which is a tool developed by IoT, and managed as a Memoir premium feature to allow access to private connections over the internet, providing strong encryption of data during streaming for security.

TO ACCESS O3T;
– Subscribe a Premium Plan
– Activate O3T via Phone Number
– Gain Access into Memoir O3T