# Cycles Pay

> Private payment app with stablecoin/fiat, yield generation, and zero-knowledge proofs. (iPhone/iPad app by Cycles Protocol.)

- Source: https://appshunter.io/ios/app/cycles-pay/id6761496918 (this page in markdown: same URL + `.md`)
- Developer: [Cycles Protocol](https://appshunter.io/developer/1836017077)
- Category: Finance
- Price: Free
- Rating: 5.00/5 from 1 App Store ratings · 1 written reviews indexed
- Age rating: 17+
- Requires: iOS 15.1 · 108 MB
- Languages: American English
- Released: 2026-04-12
- Data updated: 2026-08-22
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/cycles-pay/id6761496918/reviews.md

## What is Cycles Pay?

Cycles Pay is a modern payment app built for both businesses and individuals, combining private transactions, stablecoin and fiat payments, and yield.

Private by default
Nearly all payment apps expose balances, history, and counterparties. With Cycles Pay, transactions are shielded using zero-knowledge proofs, so sensitive financial data stays private, while remaining auditable when needed.

Automatic yield
In both fintech & crypto alike, earning yield usually means a lot of deposits & withdrawals. In Cycles Pay, funds remain productive while still being usable for payments, letting individuals & businesses earn on idle balances without sacrificing time or liquidity.

Fiat payments
(Coming soon) Send and receive fiat directly in the Cycles Pay application. Our integrated virtual bank accounts automate the conversion to and from fiat on entry and exit, meaning everyday payments can be processed straight from the application.

## Key features

- Private transactions with zero-knowledge proofs
- Automatic yield on idle balances
- Stablecoin and fiat payment support
- Auditable transactions when needed
- Integrated virtual bank accounts (coming soon)

## Recent user reviews (1 of 1)

All indexed reviews: https://appshunter.io/ios/app/cycles-pay/id6761496918/reviews.md

### 5/5 — Finally, usable stablecoins

*2026-04-27*

Transacting with stablecoins was always a pain, with having to deal with copying addresses, maintaining transaction records manually, and having everything be publicly exposed. 

Cycles Pay brings not just a great UX to stablecoins but finally privacy too. I’m also able to move funds into a savings account to get interest with one click, and even make payments straight out of the savings account. Better than what my bank offers.

## Frequently asked questions about Cycles Pay

### How does Cycles Pay ensure transaction privacy?

Cycles Pay shields transactions using zero-knowledge proofs. This technology keeps sensitive financial data private by default, while still allowing for auditable transactions when necessary.

### Can I earn interest on my money with Cycles Pay?

Yes, Cycles Pay offers automatic yield generation on idle balances. Funds remain productive and usable for payments, allowing users to earn without sacrificing liquidity.

### Does Cycles Pay support traditional currency payments?

Cycles Pay will soon support direct fiat payments. Integrated virtual bank accounts will automate the conversion to and from fiat for everyday transactions.

### What devices is Cycles Pay available on?

Cycles Pay is currently supported on iPhone and iPod devices.

### What is the age rating for Cycles Pay?

Cycles Pay has an age rating of 17+, indicating it is intended for mature users.

### How often is Cycles Pay updated?

The latest version, v1.3.1, was released on June 18, 2026. This suggests a relatively active development cycle for the application.

### Is Cycles Pay free to use?

Yes, Cycles Pay is available for free. The app does not have in-app purchases or advertisements.

### What makes Cycles Pay different from other payment apps?

Cycles Pay differentiates itself through its default privacy features using zero-knowledge proofs, automatic yield generation on funds, and upcoming direct fiat payment capabilities.

## Version history (last 5 releases)

### v1.4.0 — 2026-08-21

Minor bugfixes and UI improvements.

### v1.3.5 — 2026-07-29

feat: add notification opt-out preferences to settings
various bugfixes and UI improvements in personal; update assets
various bugfixes and UI improvemends in business section; update assets
persist language choice across mobile and web
canonical invoice rendering and contact autolinking

### v1.3.4 — 2026-07-15

Bugfixes and UI improvements.
Add split features (groups, expenses, member management).

### v1.3.3 — 2026-07-09

Major changes:
update invoicing & billing to allow new planned behaviors
add time-sensitive invoice pricing
add update prompts for new versions


UI changes and fixes:
fix UX flickering when opening app screens
use ios liquid glass on newest iphones
update translations
add actions section to home page
fix contacts view
show billing recipients in transaction titles
optimize invoice/bill rendering

### v1.3.2 — 2026-07-01

Minor UI bugfixes and chores
Improve missions system
Add PT/ES/DE/HR i18n

## Related topics

[cycles pay](https://appshunter.io/ios/topics/cycles-pay)

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-22.*