PointPay・Cryptocurrency Wallet vs Retired.com (Formerly Choice)
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
PointPay・Cryptocurrency Wallet
This app allows users to easily buy, manage, and track various cryptocurrencies. It offers a convenient platform for beginners to enter the crypto market, with options to purchase digital assets using credit cards and mobile payment services. Users can also earn daily interest on their holdings and stake specific tokens for additional benefits.
- Buy Bitcoin, Ethereum, and other cryptocurrencies
- Accepts credit cards, bank transfers, Apple Pay, Google Pay
- Earn daily interest on crypto assets
- Stake PXP tokens for rewards
- Crypto School for learning
- 24/7 technical support
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THE FIRST BLOCKCHAIN CRYPTOBANK IN THE WORLD! PointPay is convenient and safe. 1. SUITABLE FOR BEGINNERS If you are new to the cryptocurrency world and are thinking of where to start, PointPay blockchain cryptobank is a great solution. You will be able to easily create a cryptocurrency account at PointPay CryptoBank and make purchases of Bitcoin and other currencies. 2. QUICK BUY CRYPTO PointPay provides the fastest and most convenient service for buying cryptocurrencies. Purchase Bitcoin BTC, Ethereum ETH, Tether USDT, and other cryptocurrencies using credit cards, bank transfers, Apple Pay / Samsung Pay / Google Pay. Get your first crypto assets in just seconds. 3. DAILY INTEREST RATE Open a secure PointPay CryptoBank account and receive the highest interest rates on your crypto assets daily. 4. STAKING PXP Take advantage of the unique approach for PXP token staking. Up to 7% per annum. Enjoy reduced fees and premium support as a bonus. 5. CLIENTS - MOST IMPORTANT Our mobile apps are available in 18 languages. Also, be sure to check out the Crypto School section, where you can find and learn useful information on working with crypto assets. We have a responsive and attentive technical support team 24/7 that will answer any questions you may have. Feel free to reach out to us!
Retired.com (Formerly Choice)
Invest in cryptocurrency within a tax-advantaged retirement account. This platform allows you to trade and stake digital assets, manage rollovers, and choose from various IRA and 401(k) structures. It prioritizes security with SOC 2 Type 1 certification and institutional-grade custody.
- Tax-advantaged crypto investing
- Trade and stake digital assets
- Rollover and transfer options
- Various IRA and 401(k) structures
- SOC 2 Type 1 certified security
- Institutional-grade cold storage
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Retired.com* isn't an exchange with a retirement account bolted on. Retirement is the entire product, starting with the asset our members have asked for most: crypto, held inside a tax-advantaged account built to grow for decades, not to day-trade. Trusted with $12B+ in assets under custody by a community of 250,000+ Americans. Whether you're rolling over an old 401(k) or starting fresh, Retired.com puts you in control of what your future is built on. Trade and stake without ever leaving your IRA Buy, sell, and trade Bitcoin and other digital assets, tax-advantaged Stake supported assets to earn rewards inside your IRA Move in and out of positions without a taxable event on every trade One asset, the retirement account built for you Choose the account structure that fits your goals, Self-Directed IRA, Roth IRA, SEP IRA, Solo 401(k), or Checkbook IRA. Fund it with a rollover or a transfer, and start putting your retirement savings behind the asset you believe in. Security is not an afterthought Every account is backed by SOC 2 Type 1 certified security, SIPC-protected cash, and institutional-grade cold storage for your digital assets, with $12B+ held under regulated, third-party custody. A trusted relationship, not an AI-only wall See where you stand with a free Retirement Score in minutes, then talk it through with a real specialist, available on your schedule, including weekends, who turns your score into a named plan with a person behind it. Straightforward answers, transparent pricing, no hidden fees, no surprises. Retire with Freedom. *Retired.com is a technology platform that connects users with third-party custodians, digital wallet providers cryptocurrency platforms, brokerage providers and banking partners. Retired.com is not a bank, broker-dealer, exchange, custodian, or registered investment advisor, and does not provide investment, legal, or tax advice. Investment advisory services offered through Retired Advisory, LLC, an SEC- registered investment adviser, pursuant to a written advisory agreement. Securities accounts are carried and cleared by Interactive Brokers LLC, member FINRA/SIPC. Digital asset custody and related services are provided by Digital Trust, LLC. Banking services are provided by participating partner banks. Retired Advisory, LLC, Rocket Dollar Capital, LLC, and Digital Trust, LLC are wholly-owned subsidiaries of Retired.com. Neither the IRS nor any governmental or regulatory authority has approved or endorsed any investment or transaction available through the platform. Investing in cryptocurrencies, digital assets, and securities involves substantial risks, including the possible loss of principal. Digital assets are highly speculative, volatile, and may become illiquid or lose value entirely. Investments are not FDIC insured, are not bank guaranteed, and may lose value.
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Verdict
PointPay・Cryptocurrency Wallet and Retired.com (Formerly Choice) both sit at 4.6 stars, but that hides the real split: 77% of PointPay・Cryptocurrency Wallet's written reviews are positive against 36% of Retired.com (Formerly Choice)'s. PointPay・Cryptocurrency Wallet also leads on update cadence (every 9 days vs every 6 weeks). On price, rating, ratings volume and ads 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.
On the App Store both sit at effectively the same score — 4.6 for PointPay・Cryptocurrency Wallet against 4.7 for Retired.com (Formerly Choice). Both are backed by a comparable volume of ratings — 695 and 1.5K respectively. Written reviews are what separate them: 77% of PointPay・Cryptocurrency Wallet's written reviews are positive against 36% of Retired.com (Formerly Choice)'s.
PointPay・Cryptocurrency Wallet ships an update every 9 days, Retired.com (Formerly Choice) every 6 weeks. The most recent releases landed on October 29, 2026 and October 30, 2026 respectively.
| Parameter | PointPay・Cryptocurrency Wallet | Retired.com (Formerly Choice) |
|---|---|---|
| Price | Free | Free |
| Rating | 4.6 (695 ratings) | 4.7 (1.5K ratings) — better |
| Positive reviews | 76.9% of reviews — better | 36.4% of reviews |
| Number of ratings | 695 | 1.5K — better |
| Update frequency | Every 9 days — better | Every 6 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 15.1 | 15.1 |
| Further details — not scored | ||
| Size | 66 MB | 117 MB |
| Age rating | 4+ | 4+ |
| Developer | Point Pay LTD | Choice Holdings Incorporated |
Customer experience
PointPay・Cryptocurrency Wallet
Retired.com (Formerly Choice)
User reviews
PointPay・Cryptocurrency Wallet
From 695 App Store ratingsWhat we love
- 🚀 Fast and reliable
- 👍 Intuitive and user-friendly interface
- 🔒 Secure and trustworthy platform
- 💡 Excellent design and features
- 👍 Optimized for beginners and experts
Room to improve
- 🐛 Occasional login and withdrawal issues
- ⚠️ Concerning reports of funds disappearing
- ⚠️ Questionable business practices (account closures)
Retired.com (Formerly Choice)
From 1.5K App Store ratingsWhat we love
- 🚀 Easy to use app
- 💡 Ability to invest in crypto in IRA
- 👍 Simple and clean interface
- 🚀 Smooth app experience
Room to improve
- 💰 High and hidden fees
- 🔒 Data breach and security concerns
- 🐛 Buggy software and glitches
- 🔒 Difficulty withdrawing funds
- 💰 Exorbitant monthly fees
Bugs and requests
PointPay・Cryptocurrency Wallet
Reported bugs
2 issues- Login screen freezes
- Withdrawal delays and processing errors
Requested features
3 requests- P2P trading functionality
- More advanced trading tools and analytics
- Improved multi-device synchronization
Retired.com (Formerly Choice)
Reported bugs
3 issues- Login and withdrawal issues
- Inconsistent fee information
- Disappearing account balances
Requested features
3 requests- Instant deposits and trading
- Improved account statements and transparency
- More crypto asset options
In-app purchases
PointPay・Cryptocurrency Wallet
No in-app purchases
Retired.com (Formerly Choice)
No in-app purchases
Questions
Is PointPay・Cryptocurrency Wallet free?
Is Retired.com (Formerly Choice) free?
Which has better reviews, PointPay・Cryptocurrency Wallet or Retired.com (Formerly Choice)?
Do PointPay・Cryptocurrency Wallet or Retired.com (Formerly Choice) have ads?
Which is updated more often, PointPay・Cryptocurrency Wallet or Retired.com (Formerly Choice)?
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