# IOUOI vs ayuta Pay

The clearest difference is rating: ayuta Pay at 5.0 against IOUOI's 3.6. ayuta Pay also leads on update cadence (every 2 days vs every 5 months). IOUOI's advantage is ratings volume (7 vs 1) and iOS requirement (13.0 vs 15.6). On price, ads, in-app purchases and monetization model there is nothing between them.

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

ayuta Pay holds the better App Store score, 5.0 against 3.6. That said, the two scores are not equally well evidenced: IOUOI has 7 ratings behind it against 1, so its average is the more settled of the two.

IOUOI ships an update every 5 months, ayuta Pay every 2 days. The most recent releases landed on October 23, 2026 and October 28, 2026 respectively.

## The numbers

| Metric | IOUOI | ayuta Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.6 (7 ratings)](https://appshunter.io/ios/app/iouoi/id305255380/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/ayuta-pay/id6741651880/reviews)** |
| Number of ratings | **7** | 1 |
| Positive reviews | 70.3% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 months | **Every 2 days** |
| Monetization | Free | Free |
| Size | 3 MB | 50 MB |
| Requires iOS | **13.0** | 15.6 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [Sucheta Khot](https://appshunter.io/developer/1513401365) | [Ayuta Pay LLC](https://appshunter.io/developer/1791937114) |

## What reviewers say

### IOUOI

[App page](https://appshunter.io/ios/app/iouoi/id305255380)

Easily track all your borrowing and lending activities for both money and items. Assign monetary values, organize by category, and manage payments with due dates and reminder emails. Keep a history of all past transactions.

**Highlights:** Track money and item borrowings/lendings, Assign monetary value to items, Organize by category, Close entries upon return, Password protection, Send reminder emails, Due date support

**Features:** macOS Compatibility

**In-app purchases:** none


### ayuta Pay

[App page](https://appshunter.io/ios/app/ayuta-pay/id6741651880)

Facilitates community-based funding through rotating savings groups and one-time crowdfunding. Enables interest-free microloans and seamless payments, fostering financial independence without traditional banking.

**Highlights:** Rotating savings groups, One-time crowdfunding, Interest-free microloans, Secure payment processing, Real-time updates and alerts, Community management tools

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

**In-app purchases:** none


## Frequently asked questions

### Is IOUOI free?

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

### Is ayuta Pay free?

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

### Which has better reviews, IOUOI or ayuta Pay?

ayuta Pay is rated higher. IOUOI averages 3.6 out of 5 from 7 ratings, while ayuta Pay averages 5.0 from 1 ratings.

### Do IOUOI or ayuta Pay have ads?

Neither IOUOI nor ayuta Pay shows ads.

### Which is updated more often, IOUOI or ayuta Pay?

IOUOI ships an update every 5 months, and ayuta Pay every 2 days. Most recently, IOUOI was updated on October 23, 2026 and ayuta Pay on October 28, 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.*