# Phi vs Payvaa

The clearest difference is update cadence: Phi at fortnightly against Payvaa's every 2 months. On price, ads, in-app purchases and device support there is nothing between them.

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

Phi ships an update fortnightly, Payvaa every 2 months. The most recent releases landed on November 3, 2026 and October 22, 2026 respectively.

## The numbers

| Metric | Phi | Payvaa |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (6 ratings)](https://appshunter.io/ios/app/phi-gold-wallet/id1630948687/reviews)** | — |
| Number of ratings | **6** | — |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Every 2 months |
| Monetization | Free | — |
| Size | 99 MB | 22 MB |
| Requires iOS | **17.0** | 18.1 |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 9+ | 4+ |
| Developer | [Phi Wallet](https://appshunter.io/developer/1630948689) | [Payvaa](https://appshunter.io/developer/1868186158) |

## What reviewers say

### Phi

[App page](https://appshunter.io/ios/app/phi-gold-wallet/id1630948687)

Save and invest in physical gold securely with this app. Buy, sell, and store certified 24K gold with instant access and no minimum purchase requirements. Protect your savings from inflation and have your gold shipped to your doorstep.

**Highlights:** Buy and sell physical gold, Secure blockchain-based wallet, 24K, 999.9 purity LBMA certified gold, No minimum purchase required, Instant access to gold, Gold shipping to your doorstep

**Features:** Vision Pro support

**In-app purchases:** none


### Payvaa

[App page](https://appshunter.io/ios/app/payvaa/id6757670713)

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

**In-app purchases:** none


## Frequently asked questions

### Is Phi free?

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

### Is Payvaa free?

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

### Do Phi or Payvaa have ads?

Neither Phi nor Payvaa shows ads.

### Which is updated more often, Phi or Payvaa?

Phi ships an update fortnightly, and Payvaa every 2 months. Most recently, Phi was updated on November 3, 2026 and Payvaa on October 22, 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.*