BiyaPay vs Settle Sys
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
BiyaPay
Manage international remittances, trade stocks, and track global markets all in one app. Offers real-time currency conversion, secure asset management, and investment opportunities in U.S./Hong Kong stocks and various commodities.
- Real-time currency exchange for 200+ currencies
- Cross-border remittance services
- U.S. and Hong Kong stock investing
- Cryptocurrency, gold, silver, and oil market tracking
- Integrated asset management and wallet
- Flexible wealth management with daily yield
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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
Settle Sys
This app helps courier and delivery professionals manage settlements and track records. It allows direct registration without needing a company invitation. Streamline your financial tracking on the go.
- Professional settlement tracking
- Record management for deliveries
- Direct user registration
- No company affiliation required
- Financial tracking for couriers
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Settle Sys is a professional settlement and record-tracking app for courier and delivery professionals. Users can register directly without an invitation or affiliation with a specific company.
Screenshots
Verdict
The clearest difference is rating: Settle Sys at 5.0 against BiyaPay's 4.2. Settle Sys also leads on update cadence (weekly vs fortnightly). BiyaPay's advantage is ratings volume (102 vs 1). On price, ads, in-app purchases and monetization model 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.
Settle Sys holds the better App Store score, 5.0 against 4.2. That said, the two scores are not equally well evidenced: BiyaPay has 102 ratings behind it against 1, so its average is the more settled of the two.
BiyaPay ships an update fortnightly, Settle Sys weekly. The most recent releases landed on September 24, 2026 and September 10, 2026 respectively.
| Parameter | BiyaPay | Settle Sys |
|---|---|---|
| Price | Free | Free |
| Rating | 4.2 (102 ratings) | 5.0 (1 ratings) — better |
| Positive reviews | 89.2% of reviews | — |
| Number of ratings | 102 — better | 1 |
| Update frequency | Fortnightly | Weekly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.0 | 15.0 |
| Further details — not scored | ||
| Size | 131 MB | 21 MB |
| Age rating | 4+ | 4+ |
| Developer | BIYA GLOBAL LLC | HAITAO ZHAO |
Customer experience
BiyaPay
Settle Sys
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
Settle Sys
Not enough reviews yet to summarise bugs or requests.
In-app purchases
BiyaPay
No in-app purchases
Settle Sys
No in-app purchases
