白猫贷 vs Topay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
白猫贷
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白猫贷是一款利用人工智能和大数据风控技术,面向大众提供金融信贷服务的小额贷款平台,致力于为用户提供方便、快捷、安心的借款服务。 ——产品特色—— 【额度高】额度最高200,000万 【门槛低】凭身份证快速出额度 方便快捷 【放款快】实时审批 快速放款 畅快体验 【流程简】在线申请 自动审核 “刷脸”得额度 ——温馨提示—— 1.贷款额度、利率,放款时间以实际审核为准 2.贷款有风险,借款需谨慎,请根据个人能力合理贷款,理性消费,避免逾期 官方微信:白猫贷 官方客服电话:400-6888009 ( 工作日9:30-18:30 )
Topay
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Topay 今日支付,今日澳洲旗下金融服务产品,为澳大利亚华人提供生活账单缴费、购物退税等服务。 BPAY账单缴纳: 可通过支付宝、微信支付和银联支付等方式,来使用人民币支付澳洲账单。 今日支付与澳洲的主流电子账单支付系统 BPAY 达成了战略合作,支持支付超过45,000家 BPAY 合作商家账单,涵盖所有热门账单类型,如学费、水电煤、网络通讯、物业费、交通费、罚单等等。 购物退税: Topay 给用户提供便捷、高效、值得信赖的购物退税体验。无论您是游客还是代购,只要您在澳洲消费了符合条件的商品,就可以通过 Topay 轻松申请合法退回 GST(商品及服务税)。Topay 与中澳银行合作,开启自助退税新模式,让您享受海外购物的乐趣。 更多金融服务,即将到来,敬请关注。
Screenshots
Verdict
白猫贷 and Topay are too close to call on the numbers: across 6 compared parameters — price, update cadence, ads and in-app purchases among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.
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.
白猫贷 ships an update every 6 weeks, Topay every 5 weeks. The most recent releases landed on September 19, 2026 and September 10, 2026 respectively.
| Parameter | 白猫贷 | Topay |
|---|---|---|
| Price | Free | Free |
| Update frequency | Every 6 weeks | Every 5 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 13.0 | 13.0 |
| Further details — not scored | ||
| Size | 32 MB | 44 MB |
| Age rating | 17+ | 4+ |
| Developer | Guangzhou Zhidu Internet Microfinance Co., Ltd. | Media Today Group Pty Ltd |
In-app purchases
白猫贷
No in-app purchases
Topay
No in-app purchases








