БРИФ: # Бриф ## Локализация - **Язык контента (language)**: English - **Направление текста**: LTR - **Страна рекламы (geo)**: South Africa (ZA) - **Валюта**: South African Rand (ZAR / R) - **Регулятор / compliance**: FSCA (Financial Sector Conduct Authority), National Credit Act (NCA) No. 34 of 2005, POPIA (Protection of Personal Information Act, 2013), ASA (Advertising Standards Authority of South Africa) --- ## Бренд - **Название компании**: CapiWise - **Тэглайн**: *Compare smarter. Save better. Grow your money with confidence.* - **Голос бренда**: Trustworthy, clear, empowering, locally relevant, no-nonsense - **USP**: CapiWise gives South Africans one place to compare top savings accounts, personal loans, and investment options — side by side, in minutes, with no hidden agendas. We don't sell products; we help you find the right fit for your goals and budget. --- ## Логотип (концепция) - **Стиль**: Minimalist wordmark + abstract icon - **Символ**: A stylised upward arrow merging with a leaf/sprout — communicating growth, financial progress, and organic smart decisions. Clean geometric form, no complex lettering in the mark itself. - **Цвета**: Deep Forest Green `#1B4D3E` + Warm Gold `#C9952A` + Off-White `#F7F4EF` - **Ощущение**: Premium but approachable — like a trusted financial advisor, not a cold bank --- ## Дизайн-система ### Палитра | Роль | Название | HEX | |---|---|---| | Primary | Forest Green | `#1B4D3E` | | Secondary | Warm Gold | `#C9952A` | | Accent | Sage Mint | `#4CAF82` | | Background | Warm Ivory | `#F7F4EF` | | Text | Charcoal | `#1E1E1E` | | Text Muted | Slate Grey | `#6B7280` | | Surface | White | `#FFFFFF` | ### Шрифты - **Heading**: `Playfair Display`, serif — prestige, editorial authority - **Body**: `Inter`, sans-serif — clarity, digital readability - **Fallbacks**: `Georgia, serif` / `Arial, sans-serif` ### Стиль **Clean financial editorial** — structured whitespace, grid-based layout, subtle shadow cards, no stock-photo-heavy design. Trust is built through clarity, not decoration. --- ## Целевая аудитория **Кто**: South Africans aged 25–50, employed or self-employed, monthly income R8,000–R60,000+. Banked but underserved by generic advice. Includes first-time savers, debt-consolidation seekers, and first-time investors. **Боли**: - Don't know which savings account pays the best interest rate right now - Afraid of hidden fees and fine print on personal loans - Overwhelmed by too many financial product options - Distrust of traditional bank marketing - Don't know if a product is NCA-compliant or regulated by FSCA **Триггер для клика**: Google search for "best savings account South Africa 2025", "personal loan comparison ZA", "where to invest money South Africa". User wants a fast, unbiased comparison — not a sales pitch. --- ## Структура сайта > **Single page (1 файл): `index.html`** > Sections stack vertically, smooth scroll anchors. Designed for Keitaro static deploy with Google Ads click tracking via URL params. --- ### SECTION 1 — Navigation Bar (Sticky) **Назначение**: Brand anchor + quick nav, stays visible during scroll. **Layout**: - Left: CapiWise logo (SVG wordmark + sprout-arrow icon) - Centre: Nav links — `Compare` | `How It Works` | `FAQ` | `Contact` - Right: CTA button — `Find My Best Rate →` **CTA**: Button → scrolls to `#comparison-table` --- ### SECTION 2 — Hero **Назначение**: Immediate value prop capture; qualifies intent. **Layout**: - Full-width, warm ivory bg, left-aligned copy, right: abstract illustration of a clean financial dashboard/upward graph (CSS/SVG — no AI-generated face photos) - **H1**: `Compare South Africa's Best Savings, Loans & Investments — In One Place` - **Subheadline**: `Stop guessing. CapiWise scans top FSCA-regulated products from leading South African banks and lenders — so you can make the right call in minutes.` - **Trust strip below headline**: `✓ FSCA-aligned products only` | `✓ No hidden referral bias` | `✓ NCA-compliant lenders` | `✓ Free to use` - **CTA Primary**: `Compare Products Now →` → `#comparison-table` - **CTA Secondary**: `How does it work? ↓` → `#how-it-works` **Bottom of hero** — Trust Logo Strip: > Label: *"Products featured from South Africa's leading regulated institutions:"* > Logos (greyscale, hover-colour): Absa | Standard Bank | Nedbank | FNB | Capitec | Old Mutual | Discovery Bank | African Bank > *(Note to developer: use official vector logos under fair-use editorial/comparative context — include attribution in footer)* --- ### SECTION 3 — How It Works **Anchor**: `#how-it-works` **Назначение**: Reduce friction — show the process is fast and unbiased. **Layout**: 3-column icon cards on desktop, stacked on mobile. **H2**: `How CapiWise Works` **Subhead**: `Three steps to smarter financial decisions` **Card 1**: - Icon: magnifying glass on document - Title: `1. Tell Us What You Need` - Body: `Select whether you're looking for a savings account, personal loan, or investment vehicle. Set your preferred amount and term.` **Card 2**: - Icon: bar chart comparison - Title: `2. See Live Comparisons` - Body: `We pull current rates, fees, and terms from FSCA-regulated South African products — displayed clearly, side by side.` **Card 3**: - Icon: shield with checkmark - Title: `3. Choose With Confidence` - Body: `Every listing includes key details: interest rate (nominal & effective), fees, NCA compliance status, and minimum requirements.` **CTA below cards**: `Start Comparing Now →` → `#comparison-table` --- ### SECTION 4 — Comparison Table (Core Conversion Block) **Anchor**: `#comparison-table` **Назначение**: Primary conversion mechanic — the actual comparison tool visual. **H2**: `Compare Top South African Financial Products` **Subhead**: `Rates and terms current as of Q3 2025. Always verify directly with the provider before applying.` #### TAB SWITCHER: `Savings Accounts` | `Personal Loans` | `Investments` --- **TAB 1 — Savings Accounts Table** | Provider | Product | Interest Rate (p.a.) | Min. Deposit | Term | FSCA Regulated | Action | |---|---|---|---|---|---|---| | Capitec Bank | Flexible Savings | Up to 9.25% | R0 | Flexible | ✓ | `View Details` | | FNB | Tax-Free Savings Account | Up to 8.50% | R500 | 12 months+ | ✓ | `View Details` | | Nedbank | JustSave Account | Up to 8.00% | R0 | Flexible | ✓ | `View Details` | | African Bank | Fixed Deposit | Up to 10.20% | R500 | 6–60 months | ✓ | `View Details` | | Standard Bank | PureSave | Up to 7.75% | R0 | Flexible | ✓ | `View Details` | | Absa | Fixed Deposit | Up to 9.80% | R1,000 | 3–60 months | ✓ | `View Details` | > ⚠️ *Rates are indicative and subject to change. Effective Annual Rate (EAR) may differ. Please confirm current rates directly with the provider. Not financial advice.* --- **TAB 2 — Personal Loans Table** | Provider | Loan Amount | Interest Rate | Repayment Term | NCA Compliant | Action | |---|---|---|---|---|---| | Capitec Bank | R1,000 – R250,000 | From 12.9% p.a. | 1–84 months | ✓ | `View Details` | | African Bank | R500 – R350,000 | From 15.0% p.a. | 7–72 months | ✓ | `View Details` | | FNB | R3,000 – R300,000 | From 13.75% p.a. | 12–60 months | ✓ | `View Details` | | Standard Bank | R3,000 – R300,000 | From 14.25% p.a. | 3–72 months | ✓ | `View Details` | | Nedbank | R2,000 – R300,000 | From 13.50% p.a. | 6–72 months | ✓ | `View Details` | | Absa | R1,000 – R350,000 | From 13.25% p.a. | 3–84 months | ✓ | `View Details` | > ⚠️ *All lenders listed are registered credit providers under the National Credit Act (NCA) No. 34 of 2005. Interest rates shown are indicative minimum rates; your rate will depend on your credit profile and affordability assessment. Borrowing carries risk — ensure repayments are affordable. Results may vary.* --- **TAB 3 — Investment Options Table** | Provider | Product | Expected Return | Min. Investment | Risk Level | FSCA Licensed | Action | |---|---|---|---|---|---|---| | Old Mutual | Balanced Fund | 9–12% p.a. (historic) | R500/month | Medium | ✓ | `View Details` | | Sanlam | Flexible Investment Plan | 8–11% p.a. (historic) | R300/month | Medium | ✓ | `View Details` | | Discovery Bank | Invest Account | Prime-linked returns | R100/month | Low–Med | ✓ | `View Details` | | Easy Equities | Unit Trust Bundle | Variable | R100 once-off | Med–High | ✓ | `View Details` | | 10X Investments | Retirement Annuity | 10–13% p.a. (historic) | R500/month | Medium | ✓ | `View Details` | > ⚠️ *Past investment performance is not a guarantee of future results. Investments carry risk, including the possible loss of principal. This is not financial advice. Please consult a qualified FSCA-accredited financial advisor before investing. Results may vary.* --- ### SECTION 5 — Why CapiWise **Назначение**: Overcome trust objections, reinforce neutrality & compliance. **H2**: `Why South Africans Trust CapiWise` **Layout**: 2×3 icon feature grid (desktop), single column (mobile) **Feature 1 — FSCA-Aligned Only** > Icon: official badge > `Every product we compare comes from an FSCA-registered or licenced institution. No fly-by-night lenders. No unregulated schemes.` **Feature 2 — NCA Compliant Lenders** > Icon: legal document with tick > `All credit providers featured comply with the National Credit Act. Your rights as a borrower are protected under South African law.` **Feature 3 — No Hidden Bias** > Icon: balanced scale > `CapiWise is an independent comparison service. We are not affiliated with any single bank or lender, and we don't prioritise results based on commission.` **Feature 4 — POPIA Protected** > Icon: lock > `Your personal information is handled in compliance with the Protection of Personal Information Act (POPIA). We never sell your data.` **Feature 5 — Free to Use** > Icon: R0 tag > `Comparing costs you nothing. CapiWise is completely free for South African consumers. No signup required to view comparisons.` **Feature 6 — Updated Regularly** > Icon: calendar refresh > `Our team reviews and updates product data regularly to keep comparisons accurate and relevant to the current South African rate environment.` --- ### SECTION 6 — Social Proof / Testimonials **Назначение**: Build trust through peer validation. Compliant — no income claims. **H2**: `What South Africans Are Saying` **Layout**: 3 cards, horizontal scroll on mobile > ⚠️ *Developer note: All testimonials marked "Results may vary". Do not include income figures or guaranteed outcomes.* **Testimonial 1**: > *"I'd been with the same bank for 12 years and just assumed I was getting a decent rate. CapiWise showed me I could be earning almost 2% more on my savings — just by switching accounts. The comparison was so easy to read."* > — **Thandi M., Johannesburg** | Verified User > *Results may vary.* **Testimonial 2**: > *"When I needed a personal loan for home improvements, I didn't want to just take whatever my bank offered. CapiWise showed me side-by-side rates in a few minutes. Ended up saving a lot on interest over the term."* > — **Riaan V., Cape Town** | Verified User > *Results may vary.* **Testimonial 3**: > *"I'm not a finance person at all. CapiWise made investing feel less scary — I could see exactly what each product involved before making any decisions. Clean, clear, no jargon."* > — **Priya N., Durban** | Verified User > *Results may vary.* --- ### SECTION 7 — FAQ **Anchor**: `#faq` **Назначение**: Address South Africa-specific objections; also boosts Google Quality Score. **H2**: `Frequently Asked Questions` **Layout**: Accordion (expand/collapse), single column, max-width 780px centred --- **Q1: Is CapiWise free to use?** > Yes. CapiWise is completely free for South African consumers. You can browse and compare all listed products without creating an account or paying any fee. **Q2: Are all the banks and lenders on CapiWise regulated?** > Yes. Every financial institution listed on CapiWise is either registered with the FSCA (Financial Sector Conduct Authority) or is a registered credit provider under the National Credit Act (NCA) No. 34 of 2005. We do not list unregistered or unregulated providers. **Q3: What is the current prime lending rate in South Africa?** > The South African Reserve Bank (SARB) sets the repo rate, and commercial banks typically lend at prime rate (currently repo + 3.5%). As of mid-2025, prime rate is approximately 11.25% p.a. Variable-rate products are affected by SARB rate decisions. Always check with your provider for the latest rate. **Q4: What does NCA compliance mean for me as a borrower?** > The National Credit Act protects South African consumers by requiring lenders to conduct proper affordability assessments, disclose all fees and interest upfront, and cap certain charges. Any registered credit provider must comply. This means you cannot legally be granted a loan you demonstrably cannot repay — protecting you from reckless lending. **Q5: Are the investment returns shown guaranteed?** > No. All investment returns shown on CapiWise are based on historical performance data or indicative projections provided by product issuers. Past performance is not a guarantee of future results. Investments carry risk, including possible loss of capital. Please consult a qualified financial advisor before making investment decisions. **Q6: Does CapiWise share my information with banks or lenders?** > No. Browsing and using our comparison tools does not transmit your personal data to any bank or lender. Собери проект как v0 CodeProject Block — все файлы как отдельные объекты внутри Block (это нужно, чтобы появилась latestVersion + demoUrl + возможность задеплоить). В тексте ответа НЕ повторяй содержимое файлов. === АРТ-ДИРЕКЦИЯ ЭТОГО ЛЕНДИНГА (СДЕЛАЙ ВИЗУАЛЬНО УНИКАЛЬНЫМ, НЕ ШАБЛОН) === - Визуальный стиль: bold brutalism: крупные блоки, жирные рамки, контрастные плашки, моно-акценты - Hero-архетип: центрированный bold: огромный заголовок по центру, фон-градиент, CTA под ним - Композиция секций: hero → проблема/решение → фичи-сетка → кейс с графиком → прайс → FAQ → CTA - Типографика: ультра-болд гротеск, очень крупные H1, tight tracking - Цветовое настроение: природная зелёная гамма (НЕ дефолтный сине-белый) Макет должен заметно отличаться от стандартного shadcn-лендинга: свой ритм секций, нетривиальный hero, выразительная типографика. Это ВАЖНЕЕ привычных паттернов — следуй арт-дирекции, сохраняя адаптив, анимации и compliance.