Comparison

Hele vs Lomalo Digital Wallet

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Hele

Earn and redeem reward points on qualifying purchases, including fuel, at participating locations. Points can be used like cash back for desired rewards, and users also receive exclusive discounts and freebies.

Highlights
  • Earn reward points on purchases
  • Redeem points like cash back
  • Get discounts and freebies
  • Points earned on fuel purchases
  • Easy to join and use
Features
Read full description

At Hele Rewards, we value our customers, so we want to reward YOU for shopping with us! Hele Rewards are easy to get and spend. You’ll earn rewards points on qualifying purchases including fuel! Points can be spent just like cash back at Hele locations for the rewards you want when you want them. Each point = $0.01* That’s it, you’re in! In addition to points, you will also earn discounts and freebies. *Points cannot be redeemed for cash. Other exclusions may apply. See cashier for details.

About

Lomalo Digital Wallet

This digital wallet allows citizens of the Republic of the Marshall Islands to securely receive and manage their Universal Basic Income (UBI) benefits. It provides a digital-first option for receiving disbursements, verifying eligibility, and connecting with other users.

Highlights
  • Verify UBI eligibility and registration
  • Receive UBI benefits directly
  • Manage benefit history
  • Send benefits securely between users
  • Connect citizens, communities, and government
Features
Read full description

Lomalo is the digital wallet built for citizens of the Republic of the Marshall Islands. Citizens across the RMI send, receive, and cash out with Lomalo every day. No matter where you are, Lomalo keeps you connected to the people who matter most. What you can do with Lomalo: - Send funds instantly to any verified user in the Lomalo network, anywhere in the RMI — in seconds, no bank account required. - Cash out through MoneyGram, or connect your Bank of Guam account for a direct line between your digital wallet and your bank. - Add funds with your Visa or Mastercard through secure, encrypted channels. - Use your balance. Transfer funds to anyone in the Lomalo network — scan a QR code, settle instantly. - Stay in control of your finances with a full transaction history, right in the app. Why Lomalo: - Free to use. Lomalo will never charge you a fee to send, receive, or hold your funds. - Your funds are yours. Lomalo digital wallets are non-custodial — you are always in control of your funds. - Your data is yours. We don't sell your data for ads. Ever. - Built on global security standards for the safe movement of funds — the same standards used by financial institutions worldwide. Powered by Stellar. Built by Lomalo Labs — a d/b/a of MIBOND Global LLC, grant-funded by the Stellar Development Foundation — dedicated to giving Marshallese a direct, secure way to reach each other, on every atoll.

Screenshots

Hele4 screens
Lomalo Digital Wallet4 screens

Verdict

The call

The clearest difference is review sentiment: Lomalo Digital Wallet at 100% against Hele's 21%. Lomalo Digital Wallet also leads on rating (4.4 vs 2.7) and update cadence (every 9 days vs every 17 months). Hele's advantage is ratings volume (32 vs 7) and iOS requirement (10.0 vs 15.1). On price, ads, in-app purchases and monetization model 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

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

Lomalo Digital Wallet holds the better App Store score, 4.4 against 2.7. Both are backed by a comparable volume of ratings — 32 and 7 respectively. Written reviews point the same way: 21% of Hele's written reviews are positive against 100% of Lomalo Digital Wallet's.

UpkeepUpdate frequency

Hele ships an update every 17 months, Lomalo Digital Wallet every 9 days. The most recent releases landed on October 24, 2026 and October 30, 2026 respectively.

Scorecard5 real differences · 5 level
Hele versus Lomalo Digital Wallet: the parameters behind the verdict, then further details
ParameterHeleLomalo Digital Wallet
PriceFreeFree
Rating2.7 (32 ratings)4.4 (7 ratings) — better
Positive reviews21.4% of reviews100.0% of reviews — better
Number of ratings32 — better7
Update frequencyEvery 17 monthsEvery 9 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS10.0 — better15.1
Further details — not scored
Size81 MB43 MB
Age rating17+4+
DeveloperKickBack Points, L.L.C.M1Global

Customer experience

Hele

All ratings24 ratings
Positive41.7%
Neutral4.2%
Negative54.2%
Written reviews14 reviews
Positive21.4%
Neutral0.0%
Negative78.6%

Lomalo Digital Wallet

All ratings7 ratings
Positive85.7%
Neutral0.0%
Negative14.3%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

Hele

No in-app purchases

None

Lomalo Digital Wallet

No in-app purchases

Questions

Is Hele free?
Hele is free to download, with no in-app purchases.
Is Lomalo Digital Wallet free?
Lomalo Digital Wallet is free to download, with no in-app purchases.
Which has better reviews, Hele or Lomalo Digital Wallet?
Lomalo Digital Wallet is rated higher. Hele averages 2.7 out of 5 from 32 ratings, while Lomalo Digital Wallet averages 4.4 from 7 ratings.
Do Hele or Lomalo Digital Wallet have ads?
Neither Hele nor Lomalo Digital Wallet shows ads.
Which is updated more often, Hele or Lomalo Digital Wallet?
Hele ships an update every 17 months, and Lomalo Digital Wallet every 9 days. Most recently, Hele was updated on October 24, 2026 and Lomalo Digital Wallet on October 30, 2026.

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