# Stack Wallet by Cypher Stack vs Nimiq Pay

The clearest difference is rating: Nimiq Pay at 5.0 against Stack Wallet by Cypher Stack's 4.0. Nimiq Pay also leads on review sentiment (100% vs 65%). Stack Wallet by Cypher Stack's advantage is ratings volume (27 vs 1). 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.

Nimiq Pay holds the better App Store score, 5.0 against 4.0. That said, the two scores are not equally well evidenced: Stack Wallet by Cypher Stack has 27 ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 65% of Stack Wallet by Cypher Stack's written reviews are positive against 100% of Nimiq Pay's.

Stack Wallet by Cypher Stack ships an update monthly, Nimiq Pay every 3 weeks. The most recent releases landed on October 15, 2026 and October 12, 2026 respectively.

## The numbers

| Metric | Stack Wallet by Cypher Stack | Nimiq Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.0 (27 ratings)](https://appshunter.io/ios/app/stack-wallet-by-cypher-stack/id1634811534/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/nimiq-pay/id6471844738/reviews)** |
| Number of ratings | **27** | 1 |
| Positive reviews | 64.7% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | **Every 3 weeks** |
| Monetization | Free | Free |
| Size | 265 MB | 52 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Cypher Stack LLC](https://appshunter.io/developer/1613267900) | [Nimiq Labs Ltd](https://appshunter.io/developer/1716066103) |

## What reviewers say

### Stack Wallet by Cypher Stack

[App page](https://appshunter.io/ios/app/stack-wallet-by-cypher-stack/id1634811534)

A fully open-source cryptocurrency wallet designed for ease of use, supporting 10 different cryptocurrencies. It prioritizes user security with private keys stored on-device and offers features like custom address books and favorite wallets for efficient management.

**Highlights:** Open source software, Supports 10 cryptocurrencies, On-device private key storage, Easy backup and restore, Custom address book, Favorite wallets with fast syncing, Custom Nodes

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

**In-app purchases:** none


### Nimiq Pay

[App page](https://appshunter.io/ios/app/nimiq-pay/id6471844738)

This self-custodial app facilitates instant crypto payments using NIM and BTC Lightning. Discover locations accepting digital currency on an interactive map, earn rewards through loyalty programs, and deepen your crypto knowledge with Learn-to-Earn activities.

**Highlights:** Instant crypto transactions, NIM and BTC Lightning support, Crypto acceptance map, Learn-to-Earn activities, Loyalty rewards (cashback, referral bonuses)

**Features:** Apple Wallet

**In-app purchases:** none


## Frequently asked questions

### Is Stack Wallet by Cypher Stack free?

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

### Is Nimiq Pay free?

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

### Which has better reviews, Stack Wallet by Cypher Stack or Nimiq Pay?

Nimiq Pay is rated higher. Stack Wallet by Cypher Stack averages 4.0 out of 5 from 27 ratings, while Nimiq Pay averages 5.0 from 1 ratings.

### Do Stack Wallet by Cypher Stack or Nimiq Pay have ads?

Neither Stack Wallet by Cypher Stack nor Nimiq Pay shows ads.

### Which is updated more often, Stack Wallet by Cypher Stack or Nimiq Pay?

Stack Wallet by Cypher Stack ships an update monthly, and Nimiq Pay every 3 weeks. Most recently, Stack Wallet by Cypher Stack was updated on October 15, 2026 and Nimiq Pay on October 12, 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.*