Hightop Finance vs SplitTip Pro
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Non-custodial wallet
- AI-powered yield optimization
- Full control over funds
- Zero-cost transfers and claims
- Borrowing against deposits
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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.
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.
- 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
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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
Verdict
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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
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.
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.
| Parameter | Hightop Finance | SplitTip Pro |
|---|---|---|
| Price | Free | Free |
| Rating | 4.4 (56 ratings) | 5.0 (6 ratings) — better |
| Positive reviews | 68.8% of reviews | 100.0% of reviews — better |
| Number of ratings | 56 — better | 6 |
| Update frequency | Every 10 days — better | Every 5 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free — better | Free with in-app purchases |
| Devices | iPhone, iPad, iPod | iPhone, iPad, Apple Watch |
| Requires iOS | 15.1 — better | 17.0 |
| Further details — not scored | ||
| Size | 60 MB | 22 MB |
| Age rating | 4+ | 4+ |
| Developer | Genesis Block, LLC | Scott Hardy |
Customer experience
Hightop Finance
SplitTip Pro
In-app purchases
Hightop Finance
No in-app purchases
SplitTip Pro
No in-app purchases









