Stella Pay vs Cobo Guard
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Stella Pay
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.
- 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
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Crypto Credit cards Use Stella card to pay with crypto anytime, anywhere: - Approved by 40M+ merchants worldwide. - Supports Apple Pay, Google Pay, Alipay, WeChatPay, and more. - Covers all your daily payment needs, including shopping, travel, socializing, digital payments! financial services, and more. Simplify your life with Stella's all-in-one card: - Auto top-up from crypto to card with every payment. - Easy cash-out from card to crypto. - Instant physical and virtual card transfers. - Withdraw cash with global ATM access. Innovative tokenized financial products—invest with USDC internet native yield - Diverse products, flexible short-term investments. - High-quality, low-risk investments. - Innovative and compliant, globally accessible. - Streamlined transactions, enhanced efficiency.
Cobo Guard
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Cobo is a globally trusted leader in digital asset custody solutions. Trusted by over 500 institutions worldwide to safeguard billions in digital assets, Cobo inspires confidence in digital asset ownership by enabling safe and efficient management of digital assets and interactions with Web 3.0. Cobo Guard is a mobile application developed by Cobo for clients to securely store their private key shares and effortlessly authorize transactions anytime, anywhere. Cobo Guard allows you to: - Secure your private key shares: Cobo Guard leverages cutting-edge security technologies to ensure that each private key share is stored and used in a secure, trusted environment. - Authorize transactions on-the-go: Clients can approve or decline transactions right from the convenience of their mobile device, whether it is for sending/receiving cryptocurrencies or interacting with smart contracts. - Manage your assets anytime, anywhere: Stay in control of your assets and access real-time information about your accounts, wherever you may be. - Collaborate with team members: Authorized team members can use their Cobo Guard to approve or decline transactions on behalf of the admins, making team collaboration more efficient and flexible.
Screenshots
Verdict
The clearest difference is update cadence: Stella Pay at weekly against Cobo Guard's monthly. On price, ads, in-app purchases and device support 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Stella Pay ships an update weekly, Cobo Guard monthly. The most recent releases landed on October 25, 2026 and October 24, 2026 respectively.
| Parameter | Stella Pay | Cobo Guard |
|---|---|---|
| Price | Free | Free |
| Rating | 3.9 (7 ratings) — better | — |
| Positive reviews | 50.0% of reviews | — |
| Number of ratings | 7 — better | — |
| Update frequency | Weekly — better | Monthly |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.0 — better | 15.1 |
| Further details — not scored | ||
| Size | 81 MB | 61 MB |
| Age rating | 9+ | 4+ |
| Developer | Flashwire Inc | Cobo Global Limited |
In-app purchases
Stella Pay
No in-app purchases
Cobo Guard
No in-app purchases
