# Cypher Wallet vs Payy

The clearest difference is monetization model: Payy at free against Cypher Wallet's freemium. Cypher Wallet's advantage is review sentiment (76% vs 65%). On price, rating, ratings volume and update cadence there is nothing between them.

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

On the App Store both sit at effectively the same score — 4.2 for Cypher Wallet against 4.1 for Payy. Both are backed by a comparable volume of ratings — 30 and 35 respectively. Written reviews are what separate them: 76% of Cypher Wallet's written reviews are positive against 65% of Payy's.

Cypher Wallet ships an update every 10 days, Payy weekly. The most recent releases landed on September 21, 2026 and August 28, 2026 respectively.

## The numbers

| Metric | Cypher Wallet | Payy |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.2 (30 ratings)](https://appshunter.io/ios/app/cypher-wallet/id1604120414/reviews)** | [4.1 (35 ratings)](https://appshunter.io/ios/app/payy/id6474760518/reviews) |
| Number of ratings | 30 | **35** |
| Positive reviews | **76.4% of reviews** | 65.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 10 days | **Weekly** |
| Monetization | Freemium | **Free** |
| Size | 104 MB | 130 MB |
| Requires iOS | **15.1** | 15.5 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 17+ | 4+ |
| Developer | [CypherD Wallet Inc](https://appshunter.io/developer/1604120416) | [Polybase Labs](https://appshunter.io/developer/1722468125) |

## 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


### Payy

[App page](https://appshunter.io/ios/app/payy/id6474760518)

This app offers a global money transfer solution, enabling easy and private digital payments. Send stablecoins using payment links, and enjoy financial freedom without the risk of account suspension or freezing. A debit card is also available for spending.

**Highlights:** Send stablecoins with payment links, No account freezing or suspension, User-controlled funds, Payy Card for spending, Easy and private digital money

**Features:** Apple Wallet

**In-app purchases:** none


## Frequently asked questions

### Is Cypher Wallet free?

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

### Is Payy free?

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

### Which has better reviews, Cypher Wallet or Payy?

Cypher Wallet is rated higher. Cypher Wallet averages 4.2 out of 5 from 30 ratings, while Payy averages 4.1 from 35 ratings.

### Do Cypher Wallet or Payy have ads?

Neither Cypher Wallet nor Payy shows ads.

### Which is updated more often, Cypher Wallet or Payy?

Cypher Wallet ships an update every 10 days, and Payy weekly. Most recently, Cypher Wallet was updated on September 21, 2026 and Payy on August 28, 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.*