Comparison

Valian vs RTN Smart

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Valian

Features
Read full description

AssetBook built the financial industry’s most robust portfolio monitoring and reporting system, Pulse. And now, AssetBook presents Valian, the next generation of client engagement apps tailor made for financial advisors that care about building and maintaining trust with their clients. Valian provides features that will keep clients engaged, simplify communication and enhance collaboration.

About

RTN Smart

This app enables quick, secure, and cashless transactions using QR codes. It also offers digital ATM cash withdrawals and a loyalty program for earning rewards and exclusive discounts.

Highlights
  • QR code payments
  • Contactless transactions
  • Digital ATM cash withdrawals
  • Loyalty program
  • Earn reward points
  • Exclusive discounts
  • Send gift cards
Read full description

Welcome to RTN Smart - The USA's First QR Payment System! Experience the future of cashless and contactless payments with RTN Smart, the cutting-edge mobile payment app that revolutionizes the way you make transactions! Say goodbye to the inconvenience of carrying debit/credit cards or wallets and say hello to quick, secure, and hassle-free payments using just your phone. The Power of QR Code Payments RTN Smart utilizes Quick Response (QR) codes, the next-generation two-dimensional barcodes, to simplify your payment experience. By scanning the QR code displayed at merchants' locations, you can instantly complete transactions with ease. The QR code contains all essential transaction details, including the amount, merchant ID, and customer ID, ensuring swift and seamless payments. RTN Digital ATM: A New Era of Cash Withdrawals No need to visit physical ATMs anymore! With RTN Digital ATM, you can withdraw cash effortlessly from thousands of RTN-approved locations using your phone's QR code scanner. It's a fast, convenient, and secure way to access your money whenever you need it. Embrace the future of cash withdrawals with RTN Digital ATM! RTN Loyalty Program: Unlock Exclusive Rewards Make every purchase rewarding with our all-new loyalty program! Scan, pay, and earn reward points with each transaction. As a loyal customer, you'll gain access to exclusive coupons, gift cards, reward points, and special discounts on every purchase. The more you shop, the more you'll save. Join our loyalty program today and start earning exciting rewards with every purchase! Embrace the convenience and security of RTN Smart, RTN Digital ATM, and our enticing loyalty program. It's time to step into a future where payments are faster, smarter, and more rewarding with every transaction. Plus, they can even send RTN gift cards to their loved ones! Our app is simple, fast, and secure, allowing you to have a worry-free payment experience. RTN Smart has you covered any time, any place, whether you're paying at a store or withdrawing cash. So why wait? Download RTN Smart today and discover the future of payments. Join the thousands of satisfied customers who have already experienced the difference with RTN Smart. Feel the future! Feel the difference!

Screenshots

Valian4 screens
RTN Smart4 screens

Verdict

The call

The clearest difference is iOS requirement: RTN Smart at 13.0 against Valian's 15.1. On price, update cadence, ads and in-app purchases 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

CostPrice · In-app purchases · Ads · Monetization

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

UpkeepUpdate frequency

Valian ships an update every 3 weeks, RTN Smart fortnightly. The most recent releases landed on October 27, 2026 and September 24, 2026 respectively.

Scorecard1 real difference · 9 level
Valian versus RTN Smart: the parameters behind the verdict, then further details
ParameterValianRTN Smart
PriceFreeFree
Rating—5.0 (6 ratings) — better
Positive reviews—100.0% of reviews
Number of ratings—6 — better
Update frequencyEvery 3 weeksFortnightly — better
AdsNoNo
In-app purchasesNoNo
Monetization—Free
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS15.113.0 — better
Further details — not scored
Size42 MB125 MB
Age rating4+17+
DeveloperAssetBook LLCRealTime Networking

In-app purchases

None

Valian

No in-app purchases

None

RTN Smart

No in-app purchases

Questions

Is Valian free?
Valian is free to download, with no in-app purchases.
Is RTN Smart free?
RTN Smart is free to download, with no in-app purchases.
Do Valian or RTN Smart have ads?
Neither Valian nor RTN Smart shows ads.
Which is updated more often, Valian or RTN Smart?
Valian ships an update every 3 weeks, and RTN Smart fortnightly. Most recently, Valian was updated on October 27, 2026 and RTN Smart on September 24, 2026.

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