SMBX vs EarnFM
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
SMBX
This platform connects investors with small businesses seeking funding. It allows individuals to invest in local businesses through Small Business Bonds, offering a way to earn monthly passive income. Transparency is provided on how funds are used, with investments starting as low as $10.
- Invest in small business bonds
- Earn monthly passive income
- Transparent investment tracking
- Invest as little as $10
- Community-based investing
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SMBX is a marketplace connecting everyday investors with successful small business owners. Through SMBX, eligible small businesses can apply to issue Small Business Bonds™ directly to local residents and investors. A Small Business Bond is like a loan, but instead of paying monthly principal and interest to a bank, small businesses pay it back to a community of investors. It’s community-based support that’s a win – win. SMBX brings investors and small businesses full transparency with investments you can see—close to home. Know where your dollars go, and how they’re spent by investing in what you love. Invest as little as $10 to join the financial revolution. Download now and tap into passive income with monthly payback. *Investing in Reg CF securities includes financial risks, including loss of money invested.
EarnFM
This app allows users to passively earn money by securely sharing their internet connection with data scientists for research. It supports technological development and cybersecurity while providing flexible earning options and easy tracking of profits. Users can redeem rewards through various payment methods.
- Earn money by sharing internet
- Secure and private connection sharing
- Flexible sharing options
- Real-time profit tracking
- Redeem rewards via PayPal, Crypto, Amazon
- Supports digital research initiatives
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Introducing EarnFM, a ground-breaking app that enables you to utilize your internet connection in ways you never thought possible! EarnFM is a platform where consumers securely share their internet connection with data scientists that are committed to researching the enormous, interconnected structure and operations of the internet. While earning a generous passive income in cash, your participation supports a global initiative that promotes technological development, cyber security, and digital literacy. Key Features: Earn As You Share: Every byte you share on EarnFM is worth something! Transform your internet access into a profitable opportunity. Safe and Secure: We place the utmost importance on your privacy and online security. Your personal data is kept safe and unharmed by our cutting-edge, security systems. No surfing history, private information, or confidential data is accessed or stored. Flexible Options: You have the freedom to share as much or as little as you'd like. You may decide when you want to share your internet connection. Easy tracking: Our user-friendly dashboard makes it simple to keep track of your contributions. Keep track of your online profits and sharing in real time. Global Community: By taking part in EarnFM, you become a part of a multicultural, international community that supports digital research. Rewarding Experience: Choose from a wide range of alternatives to redeem your earned incentives. Money straight to your PayPal balance, Crypto balance, Amazon account, whatever you want. With EarnFM, you can support significant research while also earning rewards. A win-win scenario exists! Why then wait? Install EarnFM right away to start earning money with your internet connection. Make a difference with us, one byte at a time!
Screenshots
Verdict
The clearest difference is ads: SMBX at none against EarnFM's shown. SMBX also leads on rating (3.5 vs 3.2) and monetization model (free vs ad-supported). EarnFM's advantage is review sentiment (50% vs 28%) and device support (4 vs 2). On price, update cadence and in-app purchases 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.
SMBX holds the better App Store score, 3.5 against 3.2. That said, the two scores are not equally well evidenced: SMBX has 50 ratings behind it against 9, so its average is the more settled of the two. Written reviews complicate that: 28% of SMBX's written reviews are positive against 50% of EarnFM's, so the app with the better star average is not the one people write more warmly about.
SMBX ships an update every 2 weeks, EarnFM fortnightly. The most recent releases landed on October 24, 2026 and October 14, 2026 respectively.
| Parameter | SMBX | EarnFM |
|---|---|---|
| Price | Free | Free |
| Rating | 3.5 (50 ratings) — better | 3.2 (9 ratings) |
| Positive reviews | 27.8% of reviews | 50.0% of reviews — better |
| Number of ratings | 50 — better | 9 |
| Update frequency | Every 2 weeks — better | Fortnightly |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | Free — better | Ad-supported |
| Devices | iPhone, iPod | iPhone, iPad, iPod, Mac — better |
| Requires iOS | 14.7 | 12.0 — better |
| Further details — not scored | ||
| Size | 84 MB | 35 MB |
| Age rating | 4+ | 4+ |
| Developer | SMBX, Inc. | TeraShift GmbH |
Customer experience
SMBX
EarnFM
In-app purchases
SMBX
No in-app purchases
EarnFM
No in-app purchases







