# ElbowPay — ElbowPay, a secure wallet pay > Secure peer-to-peer currency exchange platform without intermediaries. (iPhone/iPad app by Elbow AI Inc..) - Source: https://appshunter.io/ios/app/elbowpay/id6758613844 (this page in markdown: same URL + `.md`) - Developer: [Elbow AI Inc.](https://appshunter.io/developer/1868357789) - Category: Finance - Price: Free - Rating: 5.00/5 from 4 App Store ratings · 3 written reviews indexed - Age rating: 4+ - Requires: iOS 15.1 · 69 MB - Languages: American English - Released: 2026-02-18 - Data updated: 2026-08-31 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/elbowpay/id6758613844/reviews.md ## What is ElbowPay? ElbowPay is a secure peer-to-peer money exchange platform that connects people who want to exchange currencies directly—no banks, no inflated rates, and no unnecessary intermediaries. With ElbowPay, users can find verified peers, negotiate exchange rates that work for both sides, and complete transactions safely using built-in escrow and verification systems. The platform offers a fast, affordable, and transparent alternative to traditional money transfer and foreign exchange services. ## Key features - Peer-to-peer currency exchange - Negotiate exchange rates - Built-in escrow system - User verification - No banks or intermediaries - Transparent transactions ## Recent user reviews (3 of 3) All indexed reviews: https://appshunter.io/ios/app/elbowpay/id6758613844/reviews.md ### 5/5 — Easy way to transfer money into the USA *2026-03-13* ElbowPay helped me moved money from Ghana to the USA. No money needed to cross borders and the transaction was smooth. The app features are the only one of the likes in money transfer. I would highly recommend this app to anyone who has money locked up im Ghana ### 5/5 — Fast, safe and easy *2026-03-04* Such a great alternative to traditional money transfers! It's super fast to set up, and I love that it skips the middlemen. Highly recommend if you want a secure wallet for direct peer-to-peer payments. ### 5/5 — I really like this app, smooth and simple *2026-02-23* ElbowPay is an excellent platform for connecting people who want to swap money or currencies directly with one another making peer-to-peer (P2P) exchange simple and more affordable than traditional services. According to its official app listing, the main strengths are that it connects real users who want to exchange funds without involving banks or high fees, and it includes systems for verifying users and holding funds in wallet which can add safety and trust to transactions. ElbowPay also incorporates identity verification (KYC) to confirm who you are before you can fully use the service this helps reduce fraud and adds a layer of security for everyone involved ## Frequently asked questions about ElbowPay ### What is ElbowPay? ElbowPay is a secure peer-to-peer money exchange platform that connects people wanting to exchange currencies directly. It aims to bypass traditional banks and intermediaries for faster, more affordable, and transparent transactions. ### Is ElbowPay secure? Yes, ElbowPay emphasizes security with built-in escrow and verification systems to ensure safe transactions between users. The platform is designed to protect users during currency exchanges. ### How does ElbowPay compare to traditional banks for currency exchange? ElbowPay offers a direct peer-to-peer exchange, eliminating the inflated rates and fees often associated with banks. It provides a transparent alternative where users can negotiate rates directly. ### What devices does ElbowPay support? ElbowPay is available on iPhone, iPad, and iPod devices, catering to a wide range of Apple users interested in currency exchange. ### What is the age rating for ElbowPay? ElbowPay has an age rating of 4+, making it suitable for a broad audience of users interested in financial exchange services. ### When was ElbowPay last updated? ElbowPay was last updated on February 18, 2026, with version 1.0. This indicates it is a relatively new application. ### Does ElbowPay have ads? No, ElbowPay is ad-free, allowing users to focus on their currency exchange activities without any advertisements interrupting their experience. ### What are the transaction types supported by ElbowPay? ElbowPay facilitates peer-to-peer currency exchange, allowing users to directly trade different currencies with each other. It focuses on direct money exchange rather than other transaction types. ## Version history (last 5 releases) ### 1.1.4 — 2026-08-29 Fee adjustments have been made and the app is free now ### 1.1.3 — 2026-08-09 Fixed rate display between USD and GHS which affected calculation of amount display ### 1.1.2 — 2026-07-30 Updated Request Form redesign ### 1.1.0 — 2026-07-05 Integrated SmileID for verification of Ghanaian users ### 1.0.8 — 2026-05-16 Increased height of "Setup Payout account" modal for small screen sizes --- *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 2026-08-31.*