VANSi® is the next generation of Credit Convey®. VANSi App provides financial wellness and stability insights about your daily balances, income, and upcoming expenditures at risk of becoming overdrawn. VANSi App also provides instant pay and transfer capabilities. This service allows you to pay or transfer funds to others from your future income whenever you don't have sufficient funds in your connected bank account. VANSi has an added on-demand feature that works similarly to cash advances, also known as Bridge-a-Gap "BaG" Cash, accompanied by education, motivation, and cutting-edge technologies. You must keep your bank account connected to the app and maintain your active membership to access these services. You may choose the free tier or premium tier membership by paying a fee. So long as you retain your membership active, if your bank account is at risk of being overdrawn, you may request a BaG (commonly $20, $40, or $50, gradually growing to $200) to avoid impairing your finances. BaGs are offered to all clients with qualified accounts (subject to approval) to welcome you to VANSi. BaGs are not loans or traditional credits. After your necessity has passed and when you have sufficient funds, if you choose to return your BaG to your VANSi account, you can access it again and again, each time with a more significant amount, growing to up to $200 (subject to approval). You may choose to receive your on-demand BaG with standard 3 business-day delivery (free of charge) or request to receive it expedited within a few minutes (or same-day by 9:00 pm EST, depending on your bank) by paying an express fee, which varies and will be shown to you on the Checkout screen based on your BaG amount.