# XATOXI vs Apolo Pay

The clearest difference is rating: Apolo Pay at 4.7 against XATOXI's 3.7. Apolo Pay also leads on review sentiment (76% vs 43%) and ratings volume (156 vs 6). XATOXI's advantage is iOS requirement (10.0 vs 16.6). On price, update cadence, ads and in-app purchases there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

Apolo Pay holds the better App Store score, 4.7 against 3.7. That said, the two scores are not equally well evidenced: Apolo Pay has 156 ratings behind it against 6, so its average is the more settled of the two. Written reviews point the same way: 43% of XATOXI's written reviews are positive against 76% of Apolo Pay's.

XATOXI ships an update every 3 weeks, Apolo Pay monthly. The most recent releases landed on November 3, 2026 and November 8, 2026 respectively.

## The numbers

| Metric | XATOXI | Apolo Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.7 (6 ratings)](https://appshunter.io/ios/app/xatoxi/id1561289510/reviews) | **[4.7 (156 ratings)](https://appshunter.io/ios/app/apolo-pay/id6473090644/reviews)** |
| Number of ratings | 6 | **156** |
| Positive reviews | 42.9% of reviews | **75.9% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Monthly |
| Monetization | Free | Free |
| Size | 68 MB | 107 MB |
| Requires iOS | **10.0** | 16.6 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 4+ | 17+ |
| Developer | [Xatoxi, LLC](https://appshunter.io/developer/1561289512) | [Apolo Pay](https://appshunter.io/developer/1718411936) |

## What reviewers say

### XATOXI

[App page](https://appshunter.io/ios/app/xatoxi/id1561289510)

This mobile platform facilitates instant international remittances and payments to individuals and businesses. It also enables currency exchange operations and payments using advanced technological alternatives, all secured with end-to-end encrypted technology.

**Highlights:** Instant remittance reception and sending, Immediate payments to individuals and businesses, Financial instrument currency exchange, Technological payment alternatives, End-to-end encrypted security

**In-app purchases:** none


### Apolo Pay

[App page](https://appshunter.io/ios/app/apolo-pay/id6473090644)

This digital wallet allows users to save, send, and receive digital dollar payments globally. Businesses can also manage payroll and supplier payments securely. It offers fast, easy, and secure transactions with a P2P marketplace for currency exchange.

**Highlights:** Send/receive digital dollars instantly, International digital dollar transfers, P2P digital dollar exchange, Transaction history, Online chat support, Business payroll management

**Features:** macOS Compatibility

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast transactions
- 👍 Intuitive and easy to use
- 🔒 Secure transactions
- 💡 Good alternative to other platforms
- 🌟 Excellent app and service

**What reviewers complain about**

- 🐌 Slow app performance on iPhone
- 🐛 App freezes frequently
- 📉 Poor optimization on iPhone
- ⚠️ App is heavy
- 🐞 Many bugs

**Reported bugs**

- App is slow and laggy on iPhone
- App freezes during transactions
- Error when trying to buy ('Bad state: no element.')
- Gift card access missing after update
- Account verification never completed

**Requested features**

- Add Euro currency option
- Support for USDT to USDC conversion for Kontigo wallet
- Availability in Ecuador and Spain
- Restore gift card access


## Frequently asked questions

### Is XATOXI free?

XATOXI is free to download, with no in-app purchases.

### Is Apolo Pay free?

Apolo Pay is free to download, with no in-app purchases.

### Which has better reviews, XATOXI or Apolo Pay?

Apolo Pay is rated higher. XATOXI averages 3.7 out of 5 from 6 ratings, while Apolo Pay averages 4.7 from 156 ratings.

### Do XATOXI or Apolo Pay have ads?

Neither XATOXI nor Apolo Pay shows ads.

### Which is updated more often, XATOXI or Apolo Pay?

XATOXI ships an update every 3 weeks, and Apolo Pay monthly. Most recently, XATOXI was updated on November 3, 2026 and Apolo Pay on November 8, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*