Comparison

Hightop Finance vs SplitTip Pro

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

Head to head
About

Hightop Finance

This app offers a non-custodial wallet for accessing DeFi opportunities through a personal AI agent. It optimizes yield on assets, allows full control over funds, and enables borrowing against deposits with no fees for transfers or claims.

Highlights
  • Non-custodial wallet
  • AI-powered yield optimization
  • Full control over funds
  • Zero-cost transfers and claims
  • Borrowing against deposits
Features
Read full description

Hightop is digital banking for AI agents, made simple for humans. Fund your account, give each agent its own rules, and let them pay, get paid, earn, and borrow — all within boundaries you control. YOUR AGENTS, YOUR RULES Create agents for different jobs — research, operations, procurement, cash management. Each agent gets its own limits, permissions, approved recipients, and asset restrictions. Key boundaries are enforced onchain. Agents get execution rights, not custody. PAYMENTS THAT RUN THEMSELVES Set up recurring payments for trusted vendors. Send one-off payouts with built-in review windows. Get paid directly into your account. Your agents handle the day-to-day — you stay in control. EARN ON AUTOPILOT Idle cash doesn't sit still. Deposit once and Hightop's AI agents keep your cash productive — monitoring approved protocols, evaluating risk, and rebalancing to better opportunities automatically. No manual compounding. No reward claiming. Withdraw anytime. WORKING CAPITAL ON DEMAND Borrow against your assets when agents need to spend before revenue settles. One loan backed by your whole portfolio. Repay anytime — no fixed terms, no penalties. Your assets can keep earning while they back your loan. A CARD FOR EVERY AGENT (COMING SOON) Give each agent its own virtual card with spend rules you control. Auto-funded from Earn at the moment of purchase. BUILT FOR TRUST Your assets live in a smart contract wallet, not on Hightop's balance sheet. Rules are enforced by open-source smart contracts, not a private server. Every action is recorded and verifiable. You can revoke any agent instantly, at any time. FUND YOUR WAY Move money in with Apple Pay, bank transfers, ACH, or card. The same methods you already use. Hightop — humans use the app, agents use the API.

About

SplitTip Pro

Effortlessly calculate tips and split bills with this finance app. Features include receipt scanning, smart bill splitting, flexible tip options, and Apple Watch integration. Syncs across devices and offers data export.

Highlights
  • Receipt scanning for automatic bill extraction
  • Smart bill splitting (even, custom, itemized)
  • Flexible tip calculation options
  • Apple Watch app and Home Screen widgets
  • Calculation history and favorites
  • Data export and cloud sync
Features
Read full description

SplitTip Pro makes calculating tips and splitting bills effortless. Whether you're dining out with friends, handling business meals, or splitting group expenses, get the perfect amount every time — on your iPhone, Apple Watch, or right from your Home Screen widget. KEY FEATURES: Receipt Scanning — Point your camera at any receipt to automatically extract the bill amount and line items Smart Bill Splitting — Split evenly, by custom amounts, or itemized by what each person ordered Flexible Tip Options — Choose from preset percentages or set a custom tip amount Apple Watch App — Full tip calculator on your wrist with Digital Crown support and complications Home Screen Widgets — See your last calculation or quick-tap tip buttons in small, medium, large, and Lock Screen sizes Calculation History & Favorites — Save past calculations and bookmark your go-to split configurations Analytics & Insights — Track your tipping patterns, spending trends, and split usage over time Multi-Language Support — Use the app in English, Spanish, French, or Portuguese — switch instantly in Settings Siri & Shortcuts — Calculate tips with your voice or build custom automations Share & Export — Send formatted bill splits via iMessage, email, or export your data as CSV/JSON Cloud Sync — Your data stays backed up and in sync across devices Beautiful Design — Clean, modern interface with light and dark mode that follows your system preference SPLITTIP PRO PREMIUM ($2.99 one-time): Unlimited receipt scans Unlimited favorites & full calculation history Analytics dashboard & data export Early access to new features No subscriptions. No ads. Just fast, accurate bill splitting.

Screenshots

Hightop Finance4 screens
SplitTip Pro4 screens

Verdict

The call

The clearest difference is rating: SplitTip Pro at 5.0 against Hightop Finance's 4.4. SplitTip Pro also leads on review sentiment (100% vs 69%). Hightop Finance's advantage is update cadence (every 10 days vs every 5 months) and monetization model (free vs free with in-app purchases). 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.

ReceptionRating · Positive reviews · Number of ratings

SplitTip Pro holds the better App Store score, 5.0 against 4.4. That said, the two scores are not equally well evidenced: Hightop Finance has 56 ratings behind it against 6, so its average is the more settled of the two. Written reviews point the same way: 69% of Hightop Finance's written reviews are positive against 100% of SplitTip Pro's.

UpkeepUpdate frequency

Hightop Finance ships an update every 10 days, SplitTip Pro every 5 months. The most recent releases landed on November 3, 2026 and October 30, 2026 respectively.

Scorecard6 real differences · 4 level
Hightop Finance versus SplitTip Pro: the parameters behind the verdict, then further details
ParameterHightop FinanceSplitTip Pro
PriceFreeFree
Rating4.4 (56 ratings)5.0 (6 ratings) — better
Positive reviews68.8% of reviews100.0% of reviews — better
Number of ratings56 — better6
Update frequencyEvery 10 days — betterEvery 5 months
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPad, iPodiPhone, iPad, Apple Watch
Requires iOS15.1 — better17.0
Further details — not scored
Size60 MB22 MB
Age rating4+4+
DeveloperGenesis Block, LLCScott Hardy

Customer experience

Hightop Finance

All ratings56 ratings
Positive85.7%
Neutral0.0%
Negative14.3%
Written reviews16 reviews
Positive68.8%
Neutral0.0%
Negative31.3%

SplitTip Pro

All ratings6 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

Hightop Finance

No in-app purchases

None

SplitTip Pro

No in-app purchases

Questions

Is Hightop Finance free?
Hightop Finance is free to download, with no in-app purchases.
Is SplitTip Pro free?
SplitTip Pro is free to download, with no in-app purchases.
Which has better reviews, Hightop Finance or SplitTip Pro?
SplitTip Pro is rated higher. Hightop Finance averages 4.4 out of 5 from 56 ratings, while SplitTip Pro averages 5.0 from 6 ratings.
Do Hightop Finance or SplitTip Pro have ads?
Neither Hightop Finance nor SplitTip Pro shows ads.
Which is updated more often, Hightop Finance or SplitTip Pro?
Hightop Finance ships an update every 10 days, and SplitTip Pro every 5 months. Most recently, Hightop Finance was updated on November 3, 2026 and SplitTip Pro on October 30, 2026.

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