Best Payy alternatives: apps like Payy

10+ similar apps compared and reviewed

4.4 avg rating
10 free apps
Updated October 2026

Whether you want more options like Payy or a completely different take on the same concept, our curated list of 10+ similar apps has you covered. Updated for 2026 with the latest ratings and comparisons.

Top Alternatives to Payy

Fuse - Solana Smart Wallet#1

Fuse - Solana Smart Wallet by Squads Labs Inc.

The safest Solana wallet
Editor's Choice
💰 Finance
4.5(38 ratings)
Free
Fuse - Solana Smart Wallet screenshot 1
Fuse - Solana Smart Wallet screenshot 2
Fuse - Solana Smart Wallet screenshot 3
Fuse - Solana Smart Wallet screenshot 4
Fuse - Solana Smart Wallet screenshot 5
Fuse - Solana Smart Wallet screenshot 6

This app redefines digital asset management with a smart wallet built on Solana. It replaces traditional seed phrases with multifactor authentication and programmable smart accounts for enhanced security and control over your Solana assets.

Avici: Internet finance#2

Avici: Internet finance by Higin Inc.

stablecoin,credit card,wallet
Strong Contender
💰 Finance
4.4(49 ratings)
Free
Avici: Internet finance screenshot 1
Avici: Internet finance screenshot 2
Avici: Internet finance screenshot 3
Avici: Internet finance screenshot 4
Avici: Internet finance screenshot 5

Spend your cryptocurrency effortlessly with a Visa credit card. This app provides a self-custodial wallet, allowing you to maintain full control of your funds. It also offers an easy way to fund your account with a dedicated US dollar account and facilitates low-fee crypto swaps.

Avalanche Card - Pay Anywhere#3

Avalanche Card - Pay Anywhere by Rain Liquidity LLC

Pay for anything on Avalanche
Worth Considering
💰 Finance
3.2(30 ratings)
Free
Avalanche Card - Pay Anywhere screenshot 1
Avalanche Card - Pay Anywhere screenshot 2
Avalanche Card - Pay Anywhere screenshot 3
Avalanche Card - Pay Anywhere screenshot 4

Instantly access and spend your crypto assets with virtual or physical cards. Enjoy complete control with spend alerts, freezing, and PIN changes, backed by 24/7 dedicated support. Seamlessly integrate with popular apps for everyday purchases.

More apps like Payy

4
Cypher Wallet
Cypher Wallet
Cypher Wallet
Multi-Chain Crypto Wallet
Free

This app allows you to spend your cryptocurrency like cash globally using a virtual or physical card. It supports multiple blockchains and offers instant integration with Apple Pay and Google Pay. You maintain full control of your funds with a non-custodial wallet.

Spend crypto like cash globallyZero-fee crypto cardNon-custodial wallet
💰 Finance
(30)
freemium
5
Ready: Crypto & Card
Ready: Crypto & Card
Ready: Crypto & Card
Spend crypto with no fees
Free

Manage your finances with a crypto-linked card. Spend digital assets like cash globally with no fees, earn cashback rewards, and grow your wealth through in-app investments and token swaps. Securely manage your Bitcoin and Ethereum holdings.

Spend crypto like cash globally with no feesEarn up to 3% cashback on spendingInvest in Bitcoin and Ethereum
💰 Finance
(2.3K)
free
6
Tuyo: Your Money Companion
Tuyo: Your Money Companion
Tuyo: Your Money Companion
Pay for things, get some free
Free

Manage your digital dollars (USDC) with a self-custodial finance app. Access global banking features, send money instantly worldwide, and earn yield on your holdings. Spend USDC at millions of merchants using a linked card.

Self-custodial control of USDCUSD, EUR, MXN account numbersFree, instant global USDC transfers
💰 Finance
(130)
free with in-app purchases
7
Aave: Save and Earn
Aave: Save and Earn
Aave: Save and Earn
Earn up to 7.25% per year
Free

This application allows users to save money and earn interest with APY rates up to 9%. It offers account protection up to $1 million, with no fees, minimums, or lockups. Funds can be deposited and withdrawn instantly from over 12,000 linked banks and debit cards.

Earn up to 9% APY on cashAccount protection up to $1,000,000No fees, minimums, or lockups
💰 Finance
(290)
free
8
Plasma One: Stablecoin Card
Plasma One: Stablecoin Card
Plasma One: Stablecoin Card
Save, Spend & Cashback
Free

This app allows you to spend your stablecoin balance at millions of Visa merchants worldwide using a virtual or physical card. You can also send money internationally for free, earn rewards on your balance, and manage all your finances in one place with self-custody control.

Spend stablecoins at Visa merchants worldwideVirtual and physical card optionsInstant international money transfers
💰 Finance
(177)
free
9
Zodl: Zcash Wallet
Zodl: Zcash Wallet
Zodl: Zcash Wallet
Send truly private payments
Free

This app offers a secure and user-friendly way to send private cryptocurrency payments. It simplifies complex blockchain technology, allowing users to transact freely and privately without fear of data exploitation. The app prioritizes user control and transparency through open-source development and self-custody of funds.

Private Zcash paymentsUser-friendly interfaceSelf-custody of funds
💰 Finance
(124)
free
10
Decaf Wallet
Decaf Wallet
Decaf Wallet
by Decaf Inc.
Free

Manage your money globally with a crypto wallet that functions like a neobank. Send, receive, and invest digital dollars and cryptocurrencies with instant, borderless transactions and no intermediaries. Access funds worldwide via bank transfers or cash out at thousands of locations.

Global money transfersDigital dollar accountsCrypto investing
💰 Finance
(84)
free