Stonk vs PayaChat
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Stonk
This app allows users to create watchlists with friends, view detailed stock information including charts and analysis, and join or create communities for specific stocks. It also features a market news section with article discussions.
- Create shared stock watchlists
- View detailed stock charts and analysis
- Join or create stock-specific communities
- Access market news with article discussions
- Filter news by specific stocks
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Your group chats are for memes, not stocks. Do some of your friends ever get tired of hearing about stocks when they are just trying to look at memes? Well, we took that idea and mashed it into one big informational app for stocks. With Stonk you are able to create watchlists with your friends that actually want to hear about all your stock plays, but we didn't stop there. We added a full stock page to view chart data, stock comments, options, stock analysis/price target, and more! You can look at all the stock data before adding it to your watchlist instead of jumping back and forth between apps. Stonk communities are a way for you to stay in the loop with stock DD, memes, and more! Join or create communities for your favorite stocks to post useful information and memes. We also have packed in a complete market news area. In our market news area, you are able to view fresh news articles about the stock market, filter news by specific stocks, and article discussions! With article discussions, you and other Stonkers are able to chat back and forth about the news article. You can use this feature to interpret the news article for someone who may not know exactly what the article is about! EULA: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
PayaChat
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Make conversations feel less automatic, and give certain messages more room to matter. PayaChat is a messaging app built around timing, curiosity, and interaction. Some messages are meant to be instant. Some are meant to carry a little more weight.
Screenshots
Verdict
The clearest difference is ads: PayaChat at none against Stonk's shown. PayaChat also leads on update cadence (every 5 days vs every 4 months). On price, in-app purchases, device support and iOS requirement 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. Stonk sells 10 in-app purchases, starting at $1.99 per month and PayaChat sells 9 one-off in-app purchases. Whichever you choose, the download price is not the number that matters.
Stonk ships an update every 4 months, PayaChat every 5 days. The most recent releases landed on October 10, 2026 and October 18, 2026 respectively.
| Parameter | Stonk | PayaChat |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (7 ratings) — better | — |
| Positive reviews | 100.0% of reviews | — |
| Number of ratings | 7 — better | — |
| Update frequency | Every 4 months | Every 5 days — better |
| Ads | Yes | No — better |
| In-app purchases | Yes | Yes |
| Monetization | Free with in-app purchases | — |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 15.0 — better | 15.1 |
| Further details — not scored | ||
| Size | 62 MB | 63 MB |
| Age rating | 17+ | 12+ |
| Developer | VRealSoftware LLC | HIEU BAO LE |
In-app purchases
Stonk
- Most Rated Stocks$1.991 Month
- Level 2 Data$4.991 Month
- New Watchlist Chat Thread$0.99
- Archive Chat Thread For Life$0.99
- Change Username$0.99
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- 700 Coins$3.99
- 1,000 Coins$4.99
- 2,500 Coins$9.99
- 4,000 Coins$14.99
- 15,000 Coins$49.99
PayaChat
- Wallet $5$5.00
- Reaction Pack: 20 Each$9.99
- Reaction Pack: 40 Each$19.99
Show 6 moreShow fewer
- Wallet $20$20.00
- Reaction Pack: 100 Each$49.99
- Wallet $50$50.00
- Reaction Pack: 100 Each$99.99
- Wallet $100$100.00
- Wallet $300$300.00









