# Stella Pay vs Cobo Guard

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.

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.

## The numbers

| Metric | Stella Pay | Cobo Guard |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.9 (7 ratings)](https://appshunter.io/ios/app/stella-pay/id1668957912/reviews)** | — |
| Number of ratings | **7** | — |
| Positive reviews | 50.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Weekly** | Monthly |
| Monetization | Free | — |
| Size | 81 MB | 61 MB |
| Requires iOS | **15.0** | 15.1 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 9+ | 4+ |
| Developer | [Flashwire Inc](https://appshunter.io/developer/1668957914) | [Cobo Global Limited](https://appshunter.io/developer/1349647843) |

## What reviewers say

### Stella Pay

[App page](https://appshunter.io/ios/app/stella-pay/id1668957912)

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.

**Highlights:** 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

**Features:** macOS Compatibility

**In-app purchases:** none


### Cobo Guard

[App page](https://appshunter.io/ios/app/cobo-guard/id6450997458)

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

**In-app purchases:** none


## Frequently asked questions

### Is Stella Pay free?

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

### Is Cobo Guard free?

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

### Do Stella Pay or Cobo Guard have ads?

Neither Stella Pay nor Cobo Guard shows ads.

### Which is updated more often, Stella Pay or Cobo Guard?

Stella Pay ships an update weekly, and Cobo Guard monthly. Most recently, Stella Pay was updated on October 25, 2026 and Cobo Guard on October 24, 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.*