# HOLD: Pay & Split with Friends — Self-custodial stablecoin app > Social money app for payments, expense splitting, and AI-assisted finance. (iPhone/iPad app by HIHODL Technologies OU.) - Source: https://appshunter.io/ios/app/hold-pay-and-split-with-friends/id6755203065 (this page in markdown: same URL + `.md`) - Developer: [HIHODL Technologies OU](https://appshunter.io/developer/1852574442) - Category: Finance, Lifestyle - Price: Free - Rating: 1.00/5 from 1 App Store ratings · 1 written reviews indexed - Age rating: 17+ - Requires: iOS 15.1 · 119 MB - Languages: American English - Released: 2026-04-02 - Data updated: 2026-10-25 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/hold-pay-and-split-with-friends/id6755203065/reviews.md ## What is HOLD? HOLD: money, finally social. Get paid from anywhere, pay friends like you text, and let Hi, your money assistant, plan your next trip. One app, and only you hold your money. GET PAID FROM ANYWHERE • Your own USD, EUR and GBP account numbers, and more currencies • Get paid by clients, employers and platforms worldwide • Share your @username, not long addresses or SWIFT codes YOUR GROUP CHAT, NOW WITH MONEY • Chat 1:1 or in groups and pay right in the conversation • Split trips, dinners and rent. HOLD tracks who owes what • Settle up in one tap JUST ASK HI • Your AI money assistant, right in your chats • Ask for a hotel near an event and book it without leaving the chat • Hi keeps to your budget TRAVEL MORE, PAY LESS • eSIMs for your next trip, from $13 • Hotels worldwide, paid from your balance • Earn HiPoints as you go SAVE AND INVEST • Keep your earnings in dollars, safe from local inflation • Buy Bitcoin, Ethereum, Solana and more • Convert between currencies in one tap SECURITY • Self-custodial: your recovery phrase never leaves your device • Passkey and Face ID login, no passwords to leak • BIP-39 compatible: if you ever leave, you take everything with you WHO IT'S FOR Freelancers, remote workers, creators, travellers and friends who share expenses. Anyone whose paycheck lives in one currency and whose life lives in another. WHAT WE WILL NEVER DO • Block you based on your country • Sell your data • Hide fees in the exchange rate HOLD is a tool. Your money is yours. Create your account in 30 seconds with your email and a passkey. hello@hihodl.xyz · hihodl.xyz ## Key features - Receive payments globally - Split expenses in group chats - AI money assistant for planning - Book travel and hotels - Save and invest in crypto - Self-custodial security ## Is HOLD safe? Not enough ratings yet to assess HOLD. ## Is HOLD legit? HOLD: Pay & Split with Friends has limited verification signals. The AppsHunter Legitimacy Score for HOLD is 58 out of 100 points across 7 verification signals from App Store and developer data. ## Recent user reviews (1 of 1) All indexed reviews: https://appshunter.io/ios/app/hold-pay-and-split-with-friends/id6755203065/reviews.md ### 1/5 — doesn’t work wdf *2026-07-01* can’t even sign up get error with apple id **Developer response:** Hi, and sorry. You hit a real problem on our side, not something you did wrong. In late May our Apple developer account was suspended after a security incident. That shut down the services that depend on it, and Sign in with Apple was one of them, so anyone trying to sign up with their Apple ID that month got an error. We couldn't ship any updates to the App Store until the account was restored. It's fixed now. HIHODL is back on the App Store as HOLD: Pay & Split with Friends, and the new version has a completely rebuilt sign up. Please update or reinstall the app and try again. You can sign up with Apple, Google or just your email. If anything still fails, reply here and we'll sort it out with you directly. We'd love another chance. Alex, HOLD team ## Frequently asked questions about HOLD ### How secure is HOLD? HOLD uses self-custodial security, meaning your recovery phrase never leaves your device. It also offers Passkey and Face ID login for enhanced security, eliminating the need for vulnerable passwords. ### Can I use HOLD internationally? Yes, HOLD is designed for international use. You can receive payments from anywhere in the world and get your own USD, EUR, and GBP account numbers, with more currencies supported. ### How does HOLD help with group expenses? You can chat in groups and pay directly within the conversation. HOLD tracks who owes what for shared expenses like trips or dinners, allowing you to settle up with a single tap. ### What is the AI assistant in HOLD? Hi, your AI money assistant, is integrated into your chats. You can ask it to find and book hotels near an event without leaving the conversation, and Hi will help you stay within your budget. ### What cryptocurrencies can I buy with HOLD? You can buy Bitcoin, Ethereum, Solana, and other cryptocurrencies directly within the app. You can also convert between currencies in one tap. ### Does HOLD have ads? No, HOLD does not contain advertisements. The app is committed to not selling your data or hiding fees. ### What devices does HOLD support? HOLD is available on iPhone and iPad devices. It is designed for users who need to manage their finances on the go. ### How often is HOLD updated? The latest version of HOLD is 1.8.1, and it was last updated on October 10, 2026. This indicates a relatively active development cycle for the application. ## Version history (last 4 releases) ### 1.8.1 — 2026-10-10 Ask Hi to book your stay, split bills in group chats and get paid from anywhere. ### 1.5.3 — 2026-05-13 Swap and convert any solana token in your wallet! ### 1.5.2 — 2026-04-30 Virtual Accounts are here! Set up your personal virtual account to receive payments from anywhere in the world - directly into your wallet. No banks, no delays. Bug fixes & improvements Fixed display issues with swap amounts Performance and stability improvements across the app Questions or feedback? Reach us at support@hihodl.com ### 1.5.1 — 2026-04-02 No release notes. ## Apps similar to HOLD | App | Rating | Price | Category | | --- | --- | --- | --- | | [CoinKeep: Crypto Wallet](https://appshunter.io/ios/app/coinkeep-crypto-wallet/id6762189590) | — | Free | Finance | | [Higher – Trade Culture](https://appshunter.io/ios/app/higher-trade-culture/id6753351673) | 5.0 (10) | Free | Finance | | [Invora](https://appshunter.io/ios/app/invora/id6749823110) | 5.0 (3) | Free | Finance | | [BOWO.fi](https://appshunter.io/ios/app/bowofi/id6761910078) | 5.0 (1) | Free | Finance | | [Coinpurse](https://appshunter.io/ios/app/coinpurse/id6753071884) | — | Free | Finance | | [StockLink.us](https://appshunter.io/ios/app/stocklinkus/id6759206344) | 5.0 (1) | Free | Finance | --- *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 2026-10-25.*