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The Happy Planner Classic Planner Companion - Planner Journali

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Product Description

The Happy PlannerThe Happy Planner

The Happy Planner Classic Planner Companion - Planner Journali

IntroNovi from FacebookHow it WorksAbout DiemFor BusinessFAQ
Calibra is now Novi
Get Novi First

We’ve changed our name to Novi.

What’s not changing is our commitment to better money movement. Read more.

;

For everyone.

Novi is a new digital wallet for the Diem payment system that helps you keep more of your money.

What if sending money to anyone was a simple as sending a message?
What if you could support your loved ones even when they are far away?
What if you could send money using the apps you already have?
What if your favorite messaging app helped you send money anywhere in the world?
What if your money was as mobile as you are?
What if there was a wallet for new Diem digital currencies?
What if you could receive money wherever you are?
What if money had no borders?
What if sending money was reinvented for today’s world?

Novi is changing the way money moves.

By making money move more freely, for more people.

Novi is from Facebook, so you’ll be able to access it from your favorite apps.

Simple. Send money as easily as sending a message.

When you add money to your wallet, we’ll convert it into a Diem digital currency that you can send to friends and family around the world.

Select who you’re sending to, enter the amount, see the exchange rate, and make the transfer. You can track every step and add a personal note to your loved ones.

Instant. Send and receive in just a few taps.

Your money arrives instantly in the Novi wallet, which means you don’t have to pay more to get it there faster. You can also choose to keep a balance in the wallet or withdraw in your local currency when and where you want.

Alice sent you
50.00
XDX
Fees 0.00
Just now
View

No surprises. Keep more of your money.

What you send is what they get. You can add, send, receive, and withdraw money from your wallet without worrying about hidden charges.

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Checked

Security. Our commitment to you.

Customers are verified with a government-issued ID to protect their accounts. Learn more about security and privacy on Novi.
Novi has built-in fraud protections, in-app reporting, and dedicated customer care. In the event of fraud, you will be eligible to receive a full refund.
Novi is a regulated financial company from Facebook that will keep your account and financial data confidential and secure. Your Novi transaction history will only be visible to you.

We’re here
for you.

Novi Customer Care is always open. You can get help 24/7 through our chat-based support, and you can access our help center from anywhere in the app.

I have a question about sending money
I can help with that! 😄

Diem is a new global payment system.

Designed to help enable open, instant, and low-cost payments around the world. Graphics More Leopard Print Orange Round Leather Luggage Id Ta about the Diem network.
Built on a secure, scalable, and reliable blockchain that gives people equal access to financial services.
Backed by the Diem Reserve of assets made up of cash or cash equivalents and short-term government securities.
Mateo received the money you sent.
Sending to Daniela
100.00
USD
Fees 0.00
Available Instantly
Sending
Daniela received the money you sent.
Sending to Mateo
100.00
USD
Fees 0.00
Available Instantly
Sending

Better for business.

Flexible solutions for merchants and e-commerce or payment platforms.

Cut costs and save time with lower processing fees and instant access to funds. Our services will help you put more back into your business.
Reach more customers with a payment option that everyone can use. Whether you’re a small shop, online retailer, or global platform, Novi can give your business a competitive edge.
We’ve got you covered every step of the way with a secure solution that makes accepting Diem digital currencies feel like business as usual.

Sign up to receive product updates about Novi.

I want to send money
Afghanistan
Aland Islands
Albania
Algeria
American Samoa
Andorra
Angola
Anguilla
Antarctica
Antigua
Argentina
Armenia
Aruba
Australia
Austria
Azerbaijan
Bahrain
Bangladesh
Barbados
Belarus
Belgium
Belize
Benin
Bermuda
Bhutan
Bolivia
Bonaire, Sint Eustatius and Saba
Bosnia and Herzegovina
Botswana
Bouvet Island
Brazil
British Indian Ocean Territory
British Virgin Islands
Brunei
Bulgaria
Burkina Faso
Burundi
Cambodia
Cameroon
Canada
Cape Verde
Cayman Islands
Central African Republic
Chad
Chile
China
Christmas Island
Cocos (Keeling) Islands
Colombia
Comoros
Cook Islands
Costa Rica
Croatia
Curaçao
Cyprus
Czech Republic
Côte d'Ivoire
Democratic Republic of the Congo
Denmark
Djibouti
Dominica
Dominican Republic
Ecuador
Egypt
El Salvador
Equatorial Guinea
Eritrea
Estonia
Ethiopia
Falkland Islands
Faroe Islands
Federated States of Micronesia
Fiji
Finland
France
French Guiana
French Polynesia
French Southern Territories
Gabon
Georgia
Germany
Ghana
Gibraltar
Greece
Greenland
Grenada
Guadeloupe
Guam
Guatemala
Guernsey
Guinea
Guinea-Bissau
Guyana
Haiti
Heard Island and McDonald Islands
Honduras
Hong Kong
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Hungary
Iceland
India
Indonesia
Iraq
Ireland
Isle Of Man
Israel
Italy
Jamaica
Japan
Jersey
Jordan
Kazakhstan
Kenya
Kiribati
Kosovo
Kuwait
Kyrgyzstan
Laos
Latvia
Lebanon
Lesotho
Liberia
Libya
Liechtenstein
Lithuania
Luxembourg
Macau
Macedonia
Madagascar
Malawi
Malaysia
Maldives
Mali
Malta
Marshall Islands
Martinique
Mauritania
Mauritius
Mayotte
Mexico
Moldova
Monaco
Mongolia
Montenegro
Montserrat
Morocco
Mozambique
Myanmar
Namibia
Nauru
Nepal
Netherlands
Netherlands Antilles
New Caledonia
New Zealand
Nicaragua
Niger
Nigeria
Niue
Norfolk Island
Northern Mariana Islands
Norway
Oman
Pakistan
Palau
Palestine
Panama
Papua New Guinea
Paraguay
Peru
Philippines
Pitcairn
Poland
Portugal
Puerto Rico
Qatar
Republic of the Congo
Romania
Russia
Rwanda
Réunion
Saint Barthélemy
Saint Helena
Saint Kitts and Nevis
Saint Martin
Saint Pierre and Miquelon
Saint Vincent and the Grenadines
Samoa
San Marino
Sao Tome and Principe
Saudi Arabia
Senegal
Serbia
Seychelles
Sierra Leone
Singapore
Sint Maarten
Slovakia
Slovenia
Solomon Islands
Somalia
South Africa
South Georgia and the South Sandwich Islands
South Korea
South Sudan
Spain
Sri Lanka
St. Lucia
Sudan
Suriname
Svalbard and Jan Mayen
Swaziland
Sweden
Switzerland
Taiwan
Tajikistan
Tanzania
Thailand
The Bahamas
The Gambia
Timor-Leste
Togo
Tokelau
Tonga
Trinidad and Tobago
Tunisia
Turkey
Turkmenistan
Turks and Caicos Islands
Tuvalu
US Virgin Islands
Uganda
Ukraine
United Arab Emirates
United Kingdom
United States
United States Minor Outlying Islands
Uruguay
Uzbekistan
Vanuatu
Vatican City
Venezuela
Vietnam
Wallis and Futuna
Western Sahara
Yemen
Zambia
Zimbabwe
Afghanistan
Aland Islands
Albania
Algeria
American Samoa
Andorra
Angola
Anguilla
Antarctica
Antigua
Argentina
Armenia
Aruba
Australia
Austria
Azerbaijan
Bahrain
Bangladesh
Barbados
Belarus
Belgium
Belize
Benin
Bermuda
Bhutan
Bolivia
Bonaire, Sint Eustatius and Saba
Bosnia and Herzegovina
Botswana
Bouvet Island
Brazil
British Indian Ocean Territory
British Virgin Islands
Brunei
Bulgaria
Burkina Faso
Burundi
Cambodia
Cameroon
Canada
Cape Verde
Cayman Islands
Central African Republic
Chad
Chile
China
Christmas Island
Cocos (Keeling) Islands
Colombia
Comoros
Cook Islands
Costa Rica
Croatia
Curaçao
Cyprus
Czech Republic
Côte d'Ivoire
Democratic Republic of the Congo
Denmark
Djibouti
Dominica
Dominican Republic
Ecuador
Egypt
El Salvador
Equatorial Guinea
Eritrea
Estonia
Ethiopia
Falkland Islands
Faroe Islands
Federated States of Micronesia
Fiji
Finland
France
French Guiana
French Polynesia
French Southern Territories
Gabon
Georgia
Germany
Ghana
Gibraltar
Greece
Greenland
Grenada
Guadeloupe
Guam
Guatemala
Guernsey
Guinea
Guinea-Bissau
Guyana
Haiti
Heard Island and McDonald Islands
Honduras
Hong Kong
Hungary
Iceland
India
Indonesia
Iraq
Ireland
Isle Of Man
Israel
Italy
Jamaica
Japan
Jersey
Jordan
Kazakhstan
Kenya
Kiribati
Kosovo
Kuwait
Kyrgyzstan
Laos
Latvia
Lebanon
Lesotho
Liberia
Libya
Liechtenstein
Lithuania
Luxembourg
Macau
Macedonia
Madagascar
Malawi
Malaysia
Maldives
Mali
Malta
Marshall Islands
Martinique
Mauritania
Mauritius
Mayotte
Mexico
Moldova
Monaco
Mongolia
Montenegro
Montserrat
Morocco
Mozambique
Myanmar
Namibia
Nauru
Nepal
Netherlands
Netherlands Antilles
New Caledonia
New Zealand
Nicaragua
Niger
Nigeria
Niue
Norfolk Island
Northern Mariana Islands
Norway
Oman
Pakistan
Palau
Palestine
Panama
Papua New Guinea
Paraguay
Peru
Philippines
Pitcairn
Poland
Portugal
Puerto Rico
Qatar
Republic of the Congo
Romania
Russia
Rwanda
Réunion
Saint Barthélemy
Saint Helena
Saint Kitts and Nevis
Saint Martin
Saint Pierre and Miquelon
Saint Vincent and the Grenadines
Samoa
San Marino
Sao Tome and Principe
Saudi Arabia
Senegal
Serbia
Seychelles
Sierra Leone
Singapore
Sint Maarten
Slovakia
Slovenia
Solomon Islands
Somalia
South Africa
South Georgia and the South Sandwich Islands
South Korea
South Sudan
Spain
Sri Lanka
St. Lucia
Sudan
Suriname
Svalbard and Jan Mayen
Swaziland
Sweden
Switzerland
Taiwan
Tajikistan
Tanzania
Thailand
The Bahamas
The Gambia
Timor-Leste
Togo
Tokelau
Tonga
Trinidad and Tobago
Tunisia
Turkey
Turkmenistan
Turks and Caicos Islands
Tuvalu
US Virgin Islands
Uganda
Ukraine
United Arab Emirates
United Kingdom
United States
United States Minor Outlying Islands
Uruguay
Uzbekistan
Vanuatu
Vatican City
Venezuela
Vietnam
Wallis and Futuna
Western Sahara
Yemen
Zambia
Zimbabwe
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Frequently Asked
Questions

When will Novi be available?
Novi is currently being built. Sign up here to be one of the first to know about Novi.
What do I need to get started?
When Novi is available, you will need a government-issued ID to sign up for an account. Identity verification is important to comply with laws and prevent fraud, so you know people are who they say they are.
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Novi will be available as a stand-alone app in the App Store and Google Play. You will also be able to use Novi directly in your WhatsApp and Messenger apps, so you can send and receive money as easily as you message friends, family, and businesses.
What can I use Novi for?
Novi is designed for the Diem payment system. You can use Novi to send money around the world. You can also keep Diem digital currencies in your Novi wallet and use it to pay for everyday transactions wherever it is accepted.
Will Novi charge fees?
What you send is what they get. You can add, send, receive, and withdraw money from your wallet without worrying about hidden charges. Novi is cutting fees to help people keep more of their money.
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Our goal is to make Novi available to everyone, anywhere in the world. We’re working to bring Novi to as many countries as possible, as soon as the Diem network is available.
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Novi is designed for the Diem payment system, so when you send and spend your money, you’ll be using Diem digital currencies. Through Novi, you can use your local currency to purchase Diem, and also convert Diem back to your local currency when you want to withdraw.
How will you prevent fraud?
Accounts and transactions are verified, and fraud prevention is built in throughout the app. Novi uses government-issued IDs to verify customers, so you can trust people are who they say they are. Novi also has in-app reporting and dedicated customer care. In the event of fraud, you will be eligible to receive a full refund.
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Your Novi transaction history will only be visible to you. To read more about how we are protecting your data, click here.
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Yes. Novi will also be available as a stand-alone app that does not require you to have a Facebook, WhatsApp, or Messenger account — you just need a government-issued ID to sign up.
What’s the relationship between Novi and Facebook?
Novi Financial, a regulated financial company, is a subsidiary of Facebook, Inc. and is headquartered in Menlo Park, California.
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Novi will support peer-to-peer payments. Over time, additional merchant services will help businesses big and small accept Diem online, in-app, and in-store.
What is the Diem payment system?
The Diem payment system incorporates three elements that work together to create a more inclusive financial system: (1) A secure, scalable, and reliable blockchain as the technological backbone of the payment system; (2) Diem digital currencies that are backed by a reserve of assets made up of cash and short-term government securities; and (3) Governance by the Diem Association, an independent membership organization tasked with developing and operating the Diem payment system. Novi Financial is one Member of the Diem Association.
What are the digital currencies supported by the Diem payment system?
Initially, the Diem payment system will support only a few digital currencies, such as ≋USD, ≋GBP and ≋EUR, which will have the same value in the country’s respective currency (e.g. 1 USD, 1 GBP, 1 EUR). The Diem payment system will also support a combination of these digital currencies, ≋XDX. Over time, the Diem payment system intends to support additional digital currencies.