# Monibac vs Stabnance (Formerly Softswapp)

The clearest difference is rating: Stabnance (Formerly Softswapp) at 4.0 against Monibac's 2.8. Stabnance (Formerly Softswapp) also leads on review sentiment (50% vs 18%) and update cadence (every 5 days vs every 3 months). Monibac's advantage is ratings volume (87 vs 3). 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.

Stabnance (Formerly Softswapp) holds the better App Store score, 4.0 against 2.8. That said, the two scores are not equally well evidenced: Monibac has 87 ratings behind it against 3, so its average is the more settled of the two. Written reviews point the same way: 18% of Monibac's written reviews are positive against 50% of Stabnance (Formerly Softswapp)'s.

Monibac ships an update every 3 months, Stabnance (Formerly Softswapp) every 5 days. The most recent releases landed on October 22, 2026 and October 6, 2026 respectively.

## The numbers

| Metric | Monibac | Stabnance (Formerly Softswapp) |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.8 (87 ratings)](https://appshunter.io/ios/app/monibac/id1670621261/reviews) | **[4.0 (3 ratings)](https://appshunter.io/ios/app/stabnance-formerly-softswapp/id6783290606/reviews)** |
| Number of ratings | **87** | 3 |
| Positive reviews | 17.9% of reviews | **50.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 5 days** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 68 MB | 62 MB |
| Requires iOS | 15.5 | **15.0** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 17+ | 4+ |
| Developer | [Prime Zone Limited](https://appshunter.io/developer/1670621263) | [Stabnance Global Limited](https://appshunter.io/developer/6783290608) |

## What reviewers say

### Monibac

[App page](https://appshunter.io/ios/app/monibac/id1670621261)

Access collateral-free loans and earn interest on savings. This app allows users to save, withdraw, and get loans up to 150% of their savings after three months. Enjoy transparent loan terms and repayment reminders.

**Highlights:** Collateral-free loans, Earn interest on savings, Loans up to 150% of savings, Transparent loan terms, Monthly repayment reminders, Lock savings for interest

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

**In-app purchases:** none


### Stabnance (Formerly Softswapp)

[App page](https://appshunter.io/ios/app/stabnance-formerly-softswapp/id6783290606)

Easily spend your cryptocurrency assets like cash. This app enables instant conversion of stablecoins to Naira and facilitates cross-border payments, offering a secure and regulated way to access your funds.

**Highlights:** Instant stablecoin to Naira conversion, Cross-border payments, Bank-grade security, KYC verification, Regulated infrastructure, Designed for real-world crypto use

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

**In-app purchases:** none


## Frequently asked questions

### Is Monibac free?

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

### Is Stabnance (Formerly Softswapp) free?

Stabnance (Formerly Softswapp) is free to download, with no in-app purchases.

### Which has better reviews, Monibac or Stabnance (Formerly Softswapp)?

Stabnance (Formerly Softswapp) is rated higher. Monibac averages 2.8 out of 5 from 87 ratings, while Stabnance (Formerly Softswapp) averages 4.0 from 3 ratings.

### Do Monibac or Stabnance (Formerly Softswapp) have ads?

Neither Monibac nor Stabnance (Formerly Softswapp) shows ads.

### Which is updated more often, Monibac or Stabnance (Formerly Softswapp)?

Monibac ships an update every 3 months, and Stabnance (Formerly Softswapp) every 5 days. Most recently, Monibac was updated on October 22, 2026 and Stabnance (Formerly Softswapp) on October 6, 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.*