Botim

Botim is a messenger that joins everyday communication with financial services. At its core are voice and video calls over mobile data or Wi-Fi, group chats, photo, video and voice-message sharing, and stickers. The description says calls and messages are encrypted and that chat includes real-time translation. During a call you can put the other party on hold or switch to picture-in-picture.

The second part is botim money. According to the description, it lets you send money locally and abroad, top up a wallet, order a prepaid card that holds several currencies, settle bills and add credit to a phone. There is also an AI assistant that answers by voice or text and helps with calls, messages and transfers, while the home screen adapts to your habits and location.

It suits people who want to stay in touch with family and handle payments in one place. An internet connection and an account are required, and mobile data charges come from your carrier. Some financial features may depend on your region. Rated for 12+.