Vault.app vs BOWO.fi
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Vault.app
Manage your digital assets with a secure cryptocurrency wallet. Easily buy, sell, and exchange various cryptocurrencies using your bank card. Send and receive digital assets globally with 24/7 support.
- Secure crypto wallet
- Buy, sell, and exchange cryptocurrencies
- Fund account with debit card
- Send crypto worldwide
- 24/7 customer support
- KYC and 2FA authentication
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The Vault app perfectly suits crypto novices, and also provides tools for seasoned traders for managing crypto assets. Buy cryptocurrencies directly with your bank card. Send, receive and store digital assets safely and securely. PRODUCT HIGHLIGHTS: Secure crypto wallet Easily top up your crypto account Buy, sell, and exchange cryptocurrencies Transfer crypto worldwide for free Support 24/7 SECURE CRYPTO WALLET The Vault cryptocurrency app employs the latest security technologies including KYC (identity verification) and 2FA (two-factor) authentications to ensure the unconditional security of your funds. FUNDING YOUR ACCOUNT Easily top up your crypto wallet using a debit card. SUPPORTED ASSETS Bitcoin (BTC), Ethereum (ETH), Polygon (MATIC), Solana (SOL), Dogecoin (DOGE), TRON (TRX), Chainlink (LINK), Uniswap (UNI), Litecoin (LTC), Algorand (ALGO), Tether (USDT), USD Coin (USDC), and many more. BUY, SELL, AND EXCHANGE CRYPTOCURRENCIES Buy Bitcoin, sell, exchange, or even send crypto to friends and family across the world, instantly. SUPPORT 24/7 Our support team works around the clock to make your cryptocurrency experience easy, and secure. Besides offering 24/7 support chat, you can also review the online knowledge base, or email support@vault.ist with your crypto account questions.
BOWO.fi
This decentralized finance app offers a comprehensive suite of tools for managing digital assets. It enables users to bond assets at a discount, swap tokens on a decentralized exchange, and spend cryptocurrency via a virtual debit card. The platform also supports protocol governance and community engagement through meetups and a referral program.
- AI-powered bond discounts
- Decentralized token swapping
- Virtual crypto debit card
- Protocol governance voting
- Community meetups and rewards
- Referral program
- AI DeFi assistant
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BOWO.fi — The Bold & Wonderful DeFi Super-App Your all-in-one mobile gateway to decentralized finance. BOWO.fi puts bonding, lending, swapping, governance, and real-world spending in your pocket — all powered by the Polygon network for fast, low-cost transactions. BOND ASSETS AT A DISCOUNT Acquire BOWO tokens below market price by bonding DAI, USDC, or USDT. Our AI Autopilot analyzes live pricing data from CoinGecko to surface the best discount rates in real time, so you always know the optimal time to bond. Bonds vest linearly — watch your rewards grow day by day. SWAP ON THE DEX Trade BOWO ⇄ USDC directly against the on-chain Uniswap V2 pool. See live pool depth, token price, and TVL before every swap. No middlemen, no delays — just pure on-chain execution. BOWO.fi CARD Spend your crypto in the real world. The BOWO.fi virtual debit card lets you use your USDC and USDT balance anywhere Mastercard is accepted. Reveal, freeze, or refresh your card instantly from the app. PROTOCOL GOVERNANCE Hold SHIMS governance tokens to vote on treasury proposals, protocol upgrades, and community initiatives. Delegate voting power, track proposal outcomes, and participate in a fully on-chain DAO with transparent supermajority rules. MEETUPS & REWARDS Host or attend BOWO.fi meetups to earn 25 BOWO per event. Check in at in-person gatherings or join virtual sessions via Zoom. Bond $100+ to verify attendance and unlock your rewards. Share events directly to Telegram and WhatsApp. SHARE & EARN Invite friends with your personal referral link. When they join and link their Telegram, you both earn 10 BOWO. Track your referral stats and grow the community together. MARINKA AI Your personal DeFi assistant. Ask Marinka anything about the protocol — from bond strategies to governance rules — and get instant, context-aware answers. BUILT FOR SECURITY • Privy-powered authentication with email or social login • Non-custodial embedded wallets — your keys, your crypto • On-chain verification for all reward claims • Polygon network for low gas fees and fast finality WHY BOWO.fi? • One app for bonds, lending, DEX, card, and governance • AI-powered strategy recommendations • Real community rewards for real-world meetups • Beautiful dark-mode interface designed for clarity • Live protocol metrics: price, market cap, TVL, treasury, and runway Download BOWO.fi and join a community that's Bold and Wonderful.
Screenshots
Verdict
The clearest difference is rating: BOWO.fi at 5.0 against Vault.app's 1.0. BOWO.fi also leads on ads (none vs shown) and monetization model (free vs ad-supported). On price, ratings volume, update cadence and in-app purchases 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
BOWO.fi holds the better App Store score, 5.0 against 1.0. Both are backed by a comparable volume of ratings — 1 and 1 respectively.
Vault.app ships an update every 3 weeks, BOWO.fi every 9 days. The most recent releases landed on September 24, 2026 and October 5, 2026 respectively.
| Parameter | Vault.app | BOWO.fi |
|---|---|---|
| Price | Free | Free |
| Rating | 1.0 (1 ratings) | 5.0 (1 ratings) — better |
| Positive reviews | 0.0% of reviews | — |
| Number of ratings | 1 | 1 |
| Update frequency | Every 3 weeks | Every 9 days — better |
| Ads | Yes | No — better |
| In-app purchases | No | No |
| Monetization | Ad-supported | Free — better |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 15.0 — better | 15.1 |
| Further details — not scored | ||
| Size | 61 MB | 44 MB |
| Age rating | 17+ | 4+ |
| Developer | Vault Fintech Solutions s.r.o. | BOWO.fi LLC |
Customer experience
Vault.app
BOWO.fi
In-app purchases
Vault.app
No in-app purchases
BOWO.fi
No in-app purchases









