# XATOXI vs Finity

The clearest difference is rating: Finity at 4.8 against XATOXI's 3.7. Finity also leads on review sentiment (67% vs 43%) and ratings volume (193 vs 6). XATOXI's advantage is iOS requirement (10.0 vs 15.4). 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.

Finity holds the better App Store score, 4.8 against 3.7. That said, the two scores are not equally well evidenced: Finity has 193 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 67% of Finity's.

XATOXI ships an update every 3 weeks, Finity fortnightly. The most recent releases landed on October 2, 2026 and October 25, 2026 respectively.

## The numbers

| Metric | XATOXI | Finity |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.7 (6 ratings)](https://appshunter.io/ios/app/xatoxi/id1561289510/reviews) | **[4.8 (193 ratings)](https://appshunter.io/ios/app/finity/id6502372374/reviews)** |
| Number of ratings | 6 | **193** |
| Positive reviews | 42.9% of reviews | **66.7% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Fortnightly** |
| Monetization | Free | Free |
| Size | 68 MB | 81 MB |
| Requires iOS | **10.0** | 15.4 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Xatoxi, LLC](https://appshunter.io/developer/1561289512) | [Finity Tech C.A.](https://appshunter.io/developer/1738527485) |

## 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


### Finity

[App page](https://appshunter.io/ios/app/finity/id6502372374)

This app offers a Buy Now, Pay Later service, allowing users to split purchases into interest-free installments. It provides flexible payment tools and quick approval for purchases.

**Highlights:** Buy Now, Pay Later, Interest-free installments, Flexible payment tools, Quick approval, Advance payments, Customizable payment amounts, Payment history tracking

**In-app purchases:** none


## Frequently asked questions

### Is XATOXI free?

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

### Is Finity free?

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

### Which has better reviews, XATOXI or Finity?

Finity is rated higher. XATOXI averages 3.7 out of 5 from 6 ratings, while Finity averages 4.8 from 193 ratings.

### Do XATOXI or Finity have ads?

Neither XATOXI nor Finity shows ads.

### Which is updated more often, XATOXI or Finity?

XATOXI ships an update every 3 weeks, and Finity fortnightly. Most recently, XATOXI was updated on October 2, 2026 and Finity on October 25, 2026.

---

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