LOBSTR Vault vs Phi
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
LOBSTR Vault
Enhance your digital asset security with a user-friendly multisignature solution for the Stellar network. This app allows you to create a secure, locally stored signer account on your mobile device to approve or reject pending transactions, protecting your crypto from single points of failure.
- Multisignature security for Stellar accounts
- Locally stored, encrypted signer accounts
- On-device transaction confirmation
- Customizable multisig configurations
- Integration with various Stellar wallets and exchanges
- Optional Vault Signer Card for enhanced security
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LOBSTR Vault is the most secure and user-friendly solution for multisignature protection on the Stellar network. Use LOBSTR Vault to maximize the security of the digital assets stored on your Stellar account. Create a locally stored signer account on your mobile device, configure multisig protection and receive pending transactions inside the app. Verify the transaction details, approve or reject and be confident in the security of your crypto. MULTISIGNATURE SECURITY No matter what wallet you are using to hold your funds, a single private key means a single point of failure. Enabling multisig significantly increases the security of your Stellar account and protects your wallet from in-person attacks as long as all private keys are stored separately. LOBSTR Vault is a leading multisig solution that helps you secure your funds even if your private key is compromised or stolen. LOCAL KEY STORAGE Vault app generates a locally stored signer account during the onboarding process and uses this account to confirm pending transactions on-device. The private key of every account is fully encrypted, securely stored in the local storage of your mobile device and never touches our servers. CONFIRM TRANSACTIONS Once Stellar account is protected with LOBSTR Vault, all pending transactions are automatically sent to a signer device in a matter of seconds. The app will display a push notification for each incoming transaction request to help you to stay up-to-date. View the details of a pending transaction and approve the transaction if everything checks out. CONTROL YOUR SECURITY LEVEL Suited for pros and novices alike, LOBSTR Vault can be used to configure any multisig configuration you’d like. Use a single Vault signer to protect one or multiple Stellar wallets. Go for extra protection and configure a sophisticated n-of-m multisignature setup where approvals from multiple singers will be required for each transaction. Craft your own multisig architecture: one signer per multiple wallets, many signers per one wallet, or both! USE WITH YOUR FAVORITE WALLET The Vault app is fully integrated with LOBSTR wallet and provides a convenient way to enhance the security of the Stellar account for every user. Enable multisig in a just few clicks and enjoy the advanced protection. Using another service? LOBSTR Vault works great with most of the wallets and exchanges operating on the Stellar Network! VAULT SIGNER CARD Vault Signer Card represents a new smart way to improve the security of your digital assets. The highly-secure chip embedded into the Signer Card creates and holds a unique and uncopyable Vault signer account within the card itself, making it the most secure way to protect your crypto. Use the Singer Card with LOBSTR Vault to take the security of your multisig configuration to the next level. SUPPORT AT EVERY STEP If you encounter any issues or require further assistance, please reach out to our support at support@lobstr.co
Phi
Save and invest in physical gold securely with this app. Buy, sell, and store certified 24K gold with instant access and no minimum purchase requirements. Protect your savings from inflation and have your gold shipped to your doorstep.
- Buy and sell physical gold
- Secure blockchain-based wallet
- 24K, 999.9 purity LBMA certified gold
- No minimum purchase required
- Instant access to gold
- Gold shipping to your doorstep
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Looking for a reliable way to buy physical gold and protect your savings from inflation? Phi Wallet provides a convenient way to save in physical gold and have instant access to your gold at any time, from almost every corner of the world! Whether you’re looking to save money for the security of your children’s future, to plan for your own retirement or just a safe long-term investment, Phi Wallet is the way to go. Investing in physical gold used to require big safes, handcuffed briefcases, and even bodyguards or armored vehicles to ensure secure storage and transportation. In the end, this is Gold, and it’s worth all the effort. With Phi Wallet's blockchain-based wallet your gold is stored in a state of the art secure vault, and you have instant access to your wallet any time, so you can buy and sell physical gold with just a few clicks on your phone. You can deposit money, purchase physical gold in seconds, and even have it shipped to your doorstep, as simple as that! Phi Wallet offers 24K, 999.9 purity physical gold that's LBMA certified and internationally recognized. You have complete control over your assets with no minimum purchase required, giving you the freedom to secure and grow your wealth on your terms. With Phi Wallet, you can easily and securely buy physical gold to protect your money value from inflation. When you use Phi Wallet to buy physical gold, you get: - 24K, 999.9 purity physical gold that's LBMA certified and internationally recognized. - No minimum buy or sell amount, so you always have access to gold no matter your budget. - Complete control over your assets, with no queuing or long waiting times to buy, sell or transfer your gold. - Secure storage of your gold, with access to it anywhere in the world at your fingertips. - Instantly sell your gold for cash if you like to! Don't wait to start securing your wealth with physical gold. Download Phi Wallet app today and experience the convenience and security of buying gold like never before! . Get started with Phi in 3 easy steps 1. Download the app & create your account 2. Verify your identity Verify your identity by going through our KYC process. 3. Make a deposit Make a deposit to your Phi account using your EUR bank account. (USD available soon) All set to go rocket! You're all set to start building your wealth!
Screenshots
Verdict
The clearest difference is review sentiment: Phi at 100% against LOBSTR Vault's 43%. Phi also leads on update cadence (fortnightly vs every 2 months) and rating (5.0 vs 4.7). LOBSTR Vault's advantage is ratings volume (1.3K vs 6). On price, ads, in-app purchases and monetization model there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Phi holds the better App Store score, 5.0 against 4.7. That said, the two scores are not equally well evidenced: LOBSTR Vault has 1.3K ratings behind it against 6, so its average is the more settled of the two. Written reviews point the same way: 43% of LOBSTR Vault's written reviews are positive against 100% of Phi's.
LOBSTR Vault ships an update every 2 months, Phi fortnightly. The most recent releases landed on November 2, 2026 and November 3, 2026 respectively.
| Parameter | LOBSTR Vault | Phi |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (1.3K ratings) | 5.0 (6 ratings) — better |
| Positive reviews | 43.2% of reviews | 100.0% of reviews — better |
| Number of ratings | 1.3K — better | 6 |
| Update frequency | Every 2 months | Fortnightly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad | iPhone, iPad |
| Requires iOS | 16.4 — better | 17.0 |
| Further details — not scored | ||
| Size | 30 MB | 99 MB |
| Age rating | 4+ | 9+ |
| Developer | ULTRA STELLAR, LLC | Phi Wallet |
Customer experience
LOBSTR Vault
Phi
Bugs and requests
LOBSTR Vault
Reported bugs
3 issues- Vault not connecting to wallet
- Transactions not being recognized
- Inability to disable or remove Vault
Requested features
2 requests- Ability to add custom keys
- Improved multi-signature functionality
Phi
Not enough reviews yet to summarise bugs or requests.
In-app purchases
LOBSTR Vault
No in-app purchases
Phi
No in-app purchases









