# Cypher Wallet vs Stella Pay

The clearest difference is rating: Cypher Wallet at 4.2 against Stella Pay's 3.9. Cypher Wallet also leads on review sentiment (76% vs 50%) and ratings volume (30 vs 7). Stella Pay's advantage is monetization model (free vs freemium). 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.

Cypher Wallet holds the better App Store score, 4.2 against 3.9. Both are backed by a comparable volume of ratings — 30 and 7 respectively. Written reviews point the same way: 76% of Cypher Wallet's written reviews are positive against 50% of Stella Pay's.

Cypher Wallet ships an update every 10 days, Stella Pay weekly. The most recent releases landed on October 20, 2026 and October 27, 2026 respectively.

## The numbers

| Metric | Cypher Wallet | Stella Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.2 (30 ratings)](https://appshunter.io/ios/app/cypher-wallet/id1604120414/reviews)** | [3.9 (7 ratings)](https://appshunter.io/ios/app/stella-pay/id1668957912/reviews) |
| Number of ratings | **30** | 7 |
| Positive reviews | **76.4% of reviews** | 50.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 10 days | **Weekly** |
| Monetization | Freemium | **Free** |
| Size | 104 MB | 81 MB |
| Requires iOS | 15.1 | **15.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 17+ | 9+ |
| Developer | [CypherD Wallet Inc](https://appshunter.io/developer/1604120416) | [Flashwire Inc](https://appshunter.io/developer/1668957914) |

## What reviewers say

### Cypher Wallet

[App page](https://appshunter.io/ios/app/cypher-wallet/id1604120414)

This app allows you to spend your cryptocurrency like cash globally using a virtual or physical card. It supports multiple blockchains and offers instant integration with Apple Pay and Google Pay. You maintain full control of your funds with a non-custodial wallet.

**Highlights:** Spend crypto like cash globally, Zero-fee crypto card, Non-custodial wallet, Multi-chain support (15+ blockchains), Instant Apple Pay & Google Pay compatibility, Virtual and physical card options, Global ATM cash withdrawal

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### Stella Pay

[App page](https://appshunter.io/ios/app/stella-pay/id1668957912)

This app allows users to pay with cryptocurrency at millions of merchants worldwide using a crypto-backed credit card. It supports various payment platforms and offers features like auto top-up, cash-out to crypto, and ATM withdrawals.

**Highlights:** Pay with crypto at 40M+ merchants, Supports Apple Pay, Google Pay, Alipay, WeChatPay, Auto top-up from crypto to card, Easy cash-out from card to crypto, Instant physical and virtual card transfers, Global ATM cash withdrawal, Tokenized financial products for investment

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Cypher Wallet free?

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

### Is Stella Pay free?

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

### Which has better reviews, Cypher Wallet or Stella Pay?

Cypher Wallet is rated higher. Cypher Wallet averages 4.2 out of 5 from 30 ratings, while Stella Pay averages 3.9 from 7 ratings.

### Do Cypher Wallet or Stella Pay have ads?

Neither Cypher Wallet nor Stella Pay shows ads.

### Which is updated more often, Cypher Wallet or Stella Pay?

Cypher Wallet ships an update every 10 days, and Stella Pay weekly. Most recently, Cypher Wallet was updated on October 20, 2026 and Stella Pay on October 27, 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.*