Comparison

DToken vs MozaikPay

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

DToken

This app serves as a software token for secure authentication and transaction confirmation within an online banking platform. It enables users to log in, approve transfers, and manage various banking services remotely, ensuring a safe and convenient digital banking experience.

Highlights
  • Secure login to online banking
  • Transaction confirmation
  • Request approvals for banking services
  • Account management
  • Bank card limit management
  • Utility and merchant payments
Features
Read full description

Д Токен е мобилно приложение (софтуерен токен) за автентикация и потвърждаване на трансакции и заявки в платформата за интернет банкиране Д Банк Онлайн, което осигурява удобство, надеждност, мобилност и безкомпромисна сигурност при работата с електронното банкиране. След като изтеглите приложението е необходимо да регистрирате и активирате своя Д Токен по един от следните начини: - от електронното банкиране Д Банк Онлайн – меню Настройки – Д Токен; - от удобен за Вас финансов център на Д Банк. Основни функции на приложението: - осъществяване на вход в Д Банк Онлайн; - потвърждаване на преводи в Д Банк Онлайн; - потвърждаване на заявки за различни услуги в Д Банк Онлайн – откриване, добавяне и премахване на сметки, издаване, преиздаване и промяна на лимити на банкови карти, иницииране плащания на комунални услуги и задължения към търговци, изпращане на свободни съобщения до банката и др. Повече за Д Токен, Д Банк Онлайн и останалите продукти и услуги на Д Банк можете да прочетете на www.dbank.bg или като се свържете с нас на online@dbank.bg или 0700 40 400. D Token is a mobile application (software token) for authentication and confirmation of transactions and requests in the D Bank Online platform, which provides convenience, reliability, mobility and uncompromising security when working with the electronic banking. After downloading the application you need to register and activate your D Token in one of the following ways: - by the e-banking service D Bank Online - Settings menu - D Token; - in a convenient financial center of D Bank. Minimal requirements: - The D Token mobile application runs under the minimum iOS 12 operating system; - Camera; * The D Token mobile app is completely free and can be used without internet connectivity. Main features of the application: - authentication upon entry into D Bank Online; - confirmation of transfers in D Bank Online; - confirmation of requests for various services at D Bank Online - opening, adding and removing accounts, issuing, reissuing and changing bank card limits, initiating payments of utilities and obligations to merchants, sending free messages to the bank, etc. You can read more about D Token, D Bank Online and other products and services of D Bank at www.dbank.bg or by contacting us at online@dbank.bg or 0700 40 400.

About

MozaikPay

Read full description

MozaikPay is a global payment app that lets you send and receive digital dollars. It's a self-custodial wallet, meaning you (and only you!) control the keys and funds, while USDC powers transfers behind the scenes. Keep Your Money Safe Your money stays strong in digital dollars, even when local currencies lose value. Send in Seconds Transfer to anyone instantly for free. Whether it's to your friends, neighbor or even family abroad, your digital dollars arrive right away. Money In and Out, Your Way Fund your wallet or withdraw through licensed local partners, integrated right into the app. Available options depend on your country, and we're always adding more. Everything happens with a tap, right from your phone. Pay Anyone, Anywhere Send digital dollars across borders as easily as sending a text. Free transfers whether they're next door or on another continent. MozaikPay is software for creating and managing a self-custodial wallet, developed by Sig Zero Inc. You alone control your private keys; Sig Zero cannot access your funds or reverse transactions. Sig Zero does not accept, hold, store, or transmit fiat funds or digital assets on your behalf. Neither Sig Zero nor MozaikPay is a bank, custodian, exchange, broker, money transmitter, payment processor, or card issuer. Digital assets are not deposits and are not insured by the FDIC, SIPC, or any similar scheme. On-ramp and off-ramp services are provided by third-party partners under their own terms; those partners, not Sig Zero, are responsible for their own licensing and regulatory compliance. Questions? support@sig0.io

Screenshots

DToken4 screens
MozaikPay4 screens

Verdict

The call

The clearest difference is update cadence: MozaikPay at every 6 days against DToken's every 3 months. DToken's advantage is iOS requirement (13.0 vs 16.4). On price, ads, in-app purchases and device support 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

DToken ships an update every 3 months, MozaikPay every 6 days. The most recent releases landed on November 3, 2026 and November 5, 2026 respectively.

Scorecard2 real differences · 6 level
DToken versus MozaikPay: the parameters behind the verdict, then further details
ParameterDTokenMozaikPay
PriceFreeFree
Positive reviews0.0% of reviews—
Update frequencyEvery 3 monthsEvery 6 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPod — betteriPhone
Requires iOS13.0 — better16.4
Further details — not scored
Size14 MB83 MB
Age rating4+17+
DeveloperD Commerce BankSig Zero Inc.

In-app purchases

None

DToken

No in-app purchases

None

MozaikPay

No in-app purchases

Questions

Is DToken free?
DToken is free to download, with no in-app purchases.
Is MozaikPay free?
MozaikPay is free to download, with no in-app purchases.
Do DToken or MozaikPay have ads?
Neither DToken nor MozaikPay shows ads.
Which is updated more often, DToken or MozaikPay?
DToken ships an update every 3 months, and MozaikPay every 6 days. Most recently, DToken was updated on November 3, 2026 and MozaikPay on November 5, 2026.

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