Comparison

Freedom Pay Wallet vs Setld.

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

Head to head
About

Freedom Pay Wallet

A non-custodial digital wallet designed to provide fair access to the global financial system. It leverages blockchain technology to reduce remittance fees and enable instant settlements, empowering users in Africa with seamless access to financial services.

Highlights
  • Instant fund transfers via QR codes, addresses, and usernames
  • International remittance with no hidden fees
  • Secure and instant fund reception
  • Transaction history tracking
  • Non-custodial fund management
Features
Read full description

Say Hello to Freedom Pay. Our mission is to leverage technology for fair access to the global financial system, utilizing blockchain technology to reduce high remittance fees and enable instant settlements. Freedom Pay is a digital wallet designed to empower people in Africa, offering seamless access to goods and services and ensuring a positive impact on their lives. Why use the Freedom Pay Wallet: Payments - Instantly send and receive funds using QR codes, personal addresses, usernames, and transaction history tracking. Remittance - Transfer funds internationally with no hidden fees and receive funds instantly and securely. Freedom Pay Wallet is a fully non-custodial wallet; we do not have access to your funds. We provide low-cost remittance and payment services, focusing on making payments accessible for everyone. Our goal is to empower people in rural Africa and provide essential financial access to the unbanked.

About

Setld.

Features
Read full description

Setld is the easiest way to pay friends, split bills, and order at your favourite spots, all in one app, built for South Africa. Whether you're settling up after dinner, sending a mate their half of the Uber, or skipping the queue at your local coffee shop, Setld keeps your money moving and your friendships drama-free. PAY FRIENDS INSTANTLY • Send and request money in a simple chat, it settles the moment you tap. • No more "I'll EFT you later." Pay your share on the spot. • See exactly who owes who, and clear a debt in one tap. SPLIT ANY BILL, FAIRLY • Scan a bill and tap the items you actually had. • Everyone pays only their share, no awkward maths, no one short. • Add a tip at checkout, your way. SCAN. ORDER. SKIP THE QUEUE. • Scan the QR at your table or the counter to see the menu. • Order and pay from your phone, takeaway is paid up front, sit-down runs as a tab you split at the end. • Invite friends to the table so everyone orders onto one bill. A WALLET THAT KEEPS UP • Top up securely by card, powered by Yoco. • Watch your balance update in real time across every screen. • Withdraw to your bank whenever you like. BUILT AROUND YOUR FRIENDS • Group chats for trips, housemates and regular crews. • Keep a running tab with the people you see most. • Activity feed so nothing slips through the cracks. Setld is made for the way South Africans actually go out, split, pay, order and settle, without the spreadsheet. Download Setld and never chase a friend for money again.

Screenshots

Freedom Pay Wallet4 screens
Setld.4 screens

Verdict

The call

The clearest difference is update cadence: Setld. at every 4 days against Freedom Pay Wallet's every 5 months. Freedom Pay Wallet's advantage is iOS requirement (13.0 vs 15.0). 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

CostPrice · In-app purchases · Ads · Monetization

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

UpkeepUpdate frequency

Freedom Pay Wallet ships an update every 5 months, Setld. every 4 days. The most recent releases landed on October 7, 2026 and October 24, 2026 respectively.

Scorecard2 real differences · 6 level
Freedom Pay Wallet versus Setld.: the parameters behind the verdict, then further details
ParameterFreedom Pay WalletSetld.
PriceFreeFree
Positive reviews100.0% of reviews—
Update frequencyEvery 5 monthsEvery 4 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS13.0 — better15.0
Further details — not scored
Size60 MB5 MB
Age rating17+4+
DeveloperFreedom Development Foundation CICBENNO LUTZ VAN DER MERWE

In-app purchases

None

Freedom Pay Wallet

No in-app purchases

None

Setld.

No in-app purchases

Questions

Is Freedom Pay Wallet free?
Freedom Pay Wallet is free to download, with no in-app purchases.
Is Setld. free?
Setld. is free to download, with no in-app purchases.
Do Freedom Pay Wallet or Setld. have ads?
Neither Freedom Pay Wallet nor Setld. shows ads.
Which is updated more often, Freedom Pay Wallet or Setld.?
Freedom Pay Wallet ships an update every 5 months, and Setld. every 4 days. Most recently, Freedom Pay Wallet was updated on October 7, 2026 and Setld. on October 24, 2026.

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