# 汇信用 vs PenX

The clearest difference is update cadence: PenX at every 2 days against 汇信用's monthly. 汇信用's advantage is iOS requirement (11.0 vs 14.0). On price, ads, in-app purchases and device support there is nothing between them.

Both are free to download. 汇信用 sells 4 one-off in-app purchases and PenX sells 4 in-app purchases, starting at $4.99 per month. Whichever you choose, the download price is not the number that matters.

汇信用 ships an update monthly, PenX every 2 days. The most recent releases landed on November 1, 2026 and October 30, 2026 respectively.

## The numbers

| Metric | 汇信用 | PenX |
| --- | --- | --- |
| Price | Free | Free |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Monthly | **Every 2 days** |
| Size | 64 MB | 34 MB |
| Requires iOS | **11.0** | 14.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [GUIZHOU GUANGYIKE TECHNOLOGY CO.,LTD](https://appshunter.io/developer/1467705353) | [志毅 陈](https://appshunter.io/developer/1529215076) |

## What reviewers say

### 汇信用

[App page](https://appshunter.io/ios/app/id1067762575)

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 您将花费1148RMB购买黄金会员 | $174.99 | one-time |
| 您将花费1998RMB购买滙员。 | $299.99 | one-time |
| 您将花费2298RMB购买白金会员 | $349.99 | one-time |
| 您将花费3298RMB购买钻石会员 | $499.99 | one-time |


### PenX

[App page](https://appshunter.io/ios/app/penx-structured-notes-app/id6745962671)

**Features:** macOS Compatibility

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| PRO member | $4.99 | per month |
| PRO + AI member | $9.99 | per month |
| PRO member | $39.99 | per year |
| PRO + AI member | $79.99 | per year |


## Frequently asked questions

### Is 汇信用 free?

汇信用 is free to download, with in-app purchases available.

### Is PenX free?

PenX is free to download, with in-app purchases available.

### Do 汇信用 or PenX have ads?

Neither 汇信用 nor PenX shows ads.

### Which is updated more often, 汇信用 or PenX?

汇信用 ships an update monthly, and PenX every 2 days. Most recently, 汇信用 was updated on November 1, 2026 and PenX on October 30, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*