Comparison

BiyaPay vs InstaWally

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

Head to head
About

BiyaPay

Manage international remittances, trade U.S. and Hong Kong stocks, and track global markets for cryptocurrencies, commodities, and more. Offers real-time exchange rates, secure asset management, and a user-friendly interface for global financial needs.

Highlights
  • Real-time currency exchange for 200+ currencies
  • International remittance services
  • U.S. and Hong Kong stock investing
  • Cryptocurrency and commodity market tracking
  • Integrated wallet for asset management
  • Flexible wealth management with daily yield
Features
Read full description

Feature Overview BiyaPay supports real-time exchange rate lookup and conversion for 200+ currencies, providing users with faster, lower-cost, and seamless online international remittance services. In addition to currency exchange, the platform offers an intelligent conversion calculator, cross-border remittance, U.S./Hong Kong stock investing services, and market tracking for cryptocurrencies, gold, silver, crude oil, and other commodities—helping users manage funds and stay on top of market dynamics in one place. - Wallet: Covers asset management, receiving payments, transfers, deposits, and withdrawals. Supports crypto withdrawals and remittances at any time, with a clear view of account assets. - Instant Swap: After deposit, users can complete online multi-currency exchange with no preset limit, and withdraw funds to offshore bank accounts. - Wealth: Flexible wealth management service with daily yield settlement, automatically credited to available account balance. - Financial Asset Trading: Covers major markets including U.S. and Hong Kong stocks, with one account connected to multiple market opportunities. - Market Tracking: Supports market tracking for cryptocurrencies, gold, silver, crude oil, and other commodities, helping users monitor real-time price moves, trends, and market rhythm. Product Advantages BiyaPay continuously enhances its compliance qualifications and service capabilities to provide global users with an integrated financial experience covering payments, international remittance, securities investment, and market tracking services. Whether for cross-border fund management or multi-market information access, users can do so more efficiently and with greater peace of mind. - Fast Account Opening: Fully online onboarding with a low barrier and high efficiency. - Convenient Funding: Supports multiple funding methods with simple operations and smoother fund transfers. - User-Friendly Interface: Clear trading flows, bilingual Chinese-English interface, plus 24/7 Chinese customer support. - Comprehensive Functions: Rich order options that support both beginners and advanced traders. - Broad Market Coverage: Provides market tracking for U.S. and Hong Kong stocks, cryptocurrencies, gold, silver, crude oil, and other commodities, so users can track multi-market information in sync. - Competitive Fees: Competitive fee structure for U.S. and Hong Kong stock investing, helping reduce trading costs. - Fund Security: Segregated custodial accounts and multi-layer security verification mechanisms to protect accounts and assets. Official Website & Support Official Website: https://www.biyapay.com/ Customer Service Email: service@biyapay.com Customer Service Telegram: https://t.me/biyapay001 Telegram Community: https://t.me/BiyaPay_ch

About

InstaWally

Features
Read full description

InstaWally for Fintechs and Businesses - A proprietary white-label wallet app designed to streamline payments for businesses and their customers on a single platform. - Easily set up your own wallet program with integrated payment features, including credit card issuing, top-ups via bank transfers, and digital assets. Launch your customer loyalty program hassle-free. - Tailor the wallet experience with your brand colors and design to ensure a consistent brand identity. - Save on resources by leveraging our platform, eliminating the need for your own infrastructure to manage the wallet app. About Us DCS Innov emerged from the vision of DCS Card Centre to spearhead payment innovation within Singapore and the region. We benefit from several operational strengths of DCS Card Centre as an established financial institution that is regulated under the Banking Act. These include its regulatory licenses, cards and payments infrastructure, as well as risk and compliance processes. All of which can now be harnessed within a single stop shop at Innov. For fintechs/businesses who would like to request for a demo, please visit www.dcsinnov.com.

Screenshots

BiyaPay4 screens
InstaWally4 screens

Verdict

The call

The clearest difference is update cadence: BiyaPay at fortnightly against InstaWally's every 3 months. InstaWally's advantage is iOS requirement (13.4 vs 15.0). 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.

UpkeepUpdate frequency

BiyaPay ships an update fortnightly, InstaWally every 3 months. The most recent releases landed on November 7, 2026 and October 10, 2026 respectively.

Scorecard2 real differences · 8 level
BiyaPay versus InstaWally: the parameters behind the verdict, then further details
ParameterBiyaPayInstaWally
PriceFreeFree
Rating4.2 (103 ratings) — better—
Positive reviews89.2% of reviews—
Number of ratings103 — better—
Update frequencyFortnightly — betterEvery 3 months
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.013.4 — better
Further details — not scored
Size155 MB203 MB
Age rating4+4+
DeveloperBIYA GLOBAL LLCDCS Card Centre Pte Ltd

Bugs and requests

BiyaPay

Reported bugs

2 issues
  • Login screen issues causing black screen
  • Compatibility problems with older devices

Requested features

4 requests
  • Improved visual design and aesthetics
  • Advanced portfolio tracking and analytics
  • Expanded investment options (e.g., derivatives, commodities)
  • Enhanced customer support and communication

InstaWally

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

BiyaPay

No in-app purchases

None

InstaWally

No in-app purchases

Questions

Is BiyaPay free?
BiyaPay is free to download, with no in-app purchases.
Is InstaWally free?
InstaWally is free to download, with no in-app purchases.
Do BiyaPay or InstaWally have ads?
Neither BiyaPay nor InstaWally shows ads.
Which is updated more often, BiyaPay or InstaWally?
BiyaPay ships an update fortnightly, and InstaWally every 3 months. Most recently, BiyaPay was updated on November 7, 2026 and InstaWally on October 10, 2026.

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