Tortoise: Save up and Earn 10% is an application wherein you can make payments for products and services you want to buy later. It's a partnership between the user and the brand or merchant. You can shop at your favourite brands and merchants and buy the products you want at the best price.

With this application, you can shop at any brand or merchant and buy products with cashback and rewards.

You can download the app and shop at any brand or merchant. Choose the products you want to buy later and how much you want to pay. Make monthly payments towards your savings goal, and earn additional cash rewards upon completing your goal.