Xverse vs SUBFROST
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Xverse
This app provides a self-custody Bitcoin financial platform, allowing users to earn, borrow, and spend securely onchain. It emphasizes user control over private keys and offers features like global payments, stablecoin management, and earning opportunities.
- Full self-custody of private keys
- Hardware wallet support (Ledger, Keystone)
- Biometric protection
- Send Bitcoin globally via Lightning
- Store and earn yield on stablecoins
- Manage Bitcoin, STX, Starknet, and Ordinals
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The Bitcoin financial platform built on self custody. Trusted by nearly 2 million users and featured in Yahoo Finance, Nasdaq, and CoinDesk. Earn yield, borrow against your bitcoin, and spend your coins without selling. Send and receive money globally. Your keys stay in your control. Onchain finance. No permission required. SECURE. PRIVATE. SELF CUSTODY. Full self custody. You control your private keys. Xverse never has access to your funds. Connect your Ledger or Keystone hardware wallet. Keep your keys offline. Manage your portfolio with the speed of a digital bank. - Hardware wallet support including Ledger and Keystone - Biometric authentication on mobile - Import existing wallets in seconds - Open source and independently audited by leading security firms No custodians. No account freezes. No withdrawal limits. No credit checks. Your coins. Your control. SEND AND RECEIVE MONEY GLOBALLY Pay anyone, anywhere. Send bitcoin and stablecoins instantly using Lightning. Transfer money across Bitcoin layers including Starknet, Stacks, and Spark with near-zero fees. - Send and receive bitcoin and stablecoin payments - Pay instantly using Lightning - Global money transfer with no intermediaries - Buy bitcoin and supported assets directly in-app - Swap tokens or bridge assets across chains Everyday payments. Cross-border capital. You stay in control. EARN YIELD AND GROW YOUR BITCOIN Your coins should be working. Stake, lend, and earn interest on your bitcoin and stablecoins. - Stake STX and earn BTC rewards paid directly to your wallet - Earn interest on stablecoins including USDC through secure lending - Access bitcoin-backed yield opportunities including WBTC staking - High yield onchain strategies - Browse and earn directly in-app Every coin works harder. You stay in control. BORROW AGAINST YOUR BITCOIN Get cash without selling your coins. Take out bitcoin-backed loans and keep your position. - Borrow money against your BTC with no credit checks - Bitcoin-backed loans with no intermediaries - Access stablecoin liquidity instantly - Keep your coins. Never sell. The old way: sell your bitcoin, lose your position, trigger a tax event. The new way: borrow against it and pay it back on your terms. SPEND YOUR CRYPTO Spend globally while your bitcoin and stablecoins keep generating yield. - Spend bitcoin and stablecoins globally - Pay with Lightning for instant settlement - The Xverse bitcoin card is coming soon. Your onchain balance, connected to everyday spending. Your money. Onchain. No bank required. YOUR STABLECOINS. YOUR SAVINGS. Stablecoins built for payments, savings, and yield. - Store stablecoins including USDB, USDC, and USDCx - Earn interest on your savings with no lock-ups - Send stablecoin payments globally, anytime - Use stablecoins as digital cash for everyday spending - Connect your US bank account to deposit and buy directly Global finance. Bitcoin-grade security. One platform. THE BITCOIN ECONOMY. ONE SCREEN. Manage your full onchain portfolio in a single unified view. - Bitcoin (BTC) - Stablecoins - Stacks (STX) and sBTC - Starknet and Spark assets - Bitcoin Layer 2 tokens - Ordinals, Runes, and Bitcoin-native assets Available in English, Simplified Chinese, Spanish, Korean, Japanese, German, Portuguese, French, Turkish, and Russian. Download Xverse and put your bitcoin to work.
SUBFROST
A non-custodial Bitcoin wallet for holding Bitcoin and Bitcoin-native assets. It allows users to send, receive, and hold assets directly from their phone, with private keys remaining on the device. This alpha software is for an experimental protocol and should be used with funds users can afford to lose.
- Non-custodial Bitcoin wallet
- Send and receive Bitcoin
- Hold Bitcoin-native assets
- Private keys stay on device
- Supports alkanes metaprotocol
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SUBFROST is a non-custodial Bitcoin wallet. Send. Receive. Hold. Convert. Earn. Hold Bitcoin and Bitcoin-native assets on the alkanes metaprotocol, straight from your phone. Your keys never leave the device. Convert between Bitcoin-native assets on-chain. Prices are computed on your device from public pool reserves, and every transaction is signed on your device and settles on Bitcoin. No account, no order book, no custody of your funds. Earn with the FIRE Vault: stake DIESEL/frBTC LP for FIRE emissions, bond LP for discounted FIRE, or redeem FIRE for its treasury backing. Every action is built and signed on your device. This is alpha software for an experimental protocol. Use only with funds you can afford to lose.
Screenshots
Verdict
The clearest difference is ratings volume: Xverse at 1.6K against SUBFROST's 3. Xverse also leads on update cadence (every 5 days vs every 2 weeks). SUBFROST's advantage is review sentiment (100% vs 75%) and rating (5.0 vs 4.7). 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.
SUBFROST holds the better App Store score, 5.0 against 4.7. That said, the two scores are not equally well evidenced: Xverse has 1.6K ratings behind it against 3, so its average is the more settled of the two. Written reviews point the same way: 75% of Xverse's written reviews are positive against 100% of SUBFROST's.
Xverse ships an update every 5 days, SUBFROST every 2 weeks. The most recent releases landed on October 29, 2026 and October 24, 2026 respectively.
| Parameter | Xverse | SUBFROST |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (1.6K ratings) | 5.0 (3 ratings) — better |
| Positive reviews | 75.2% of reviews | 100.0% of reviews — better |
| Number of ratings | 1.6K — better | 3 |
| Update frequency | Every 5 days — better | Every 2 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod — better | iPhone |
| Requires iOS | 15.1 — better | 16.0 |
| Further details — not scored | ||
| Size | 79 MB | 60 MB |
| Age rating | 17+ | 4+ |
| Developer | Secret Key Labs | Subzero Research Inc |
Customer experience
Xverse
SUBFROST
Bugs and requests
Xverse
Reported bugs
3 issues- Ordinals and collectibles not showing up
- Wallet balance not updating correctly
- Transactions failing due to insufficient funds
Requested features
4 requests- Add hardware wallet support
- Improve token display and management
- Integrate Lightning Network capabilities
- Provide more transparency on fees and locked funds
SUBFROST
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Xverse
No in-app purchases
SUBFROST
No in-app purchases
