Case study
Harbingr
Track subscriptions in naira and dollars, and get reminded before the charge hits.

Problem
Subscriptions are easy to start and easy to forget. Some of yours are in naira. Some are in dollars. Most apps want a bank login and treat everything as one currency. You just want one list, and a heads-up before anything renews.
Approach
You add what you pay for yourself. The app never looks at your bank. Netflix can be naira. iCloud can be dollars. Each one keeps the currency you actually pay in, and you can still see what the month looks like together.
Reminders come two ways: a notification on your phone, and an email if you've confirmed your address.
Decisions
A missed date isn't a dead subscription
When the renewal day passes, it moves to the next cycle — weekly, monthly, or yearly. You still see what's coming, not a list of things that look expired because you opened the app a day late.
The phone and the inbox do different jobs
Phone reminders live on your device. Email still reaches you if the phone is in a drawer. You can start adding subscriptions right away; email reminders wait until you confirm it's really your address.
Your data stays yours
No bank connection. Lock the app with Face ID or a fingerprint. Delete your account and everything goes with it.
Result
It's on iPhone and Android. Add what you pay in naira or dollars, see the total, and get a reminder before it renews.