AQUA Wallet vs SpendSmart
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
AQUA Wallet
Manage Bitcoin and Layer 2 assets with speed and flexibility. This app offers self-custody, seamless transactions on Lightning and Liquid, and native Tether USDt support. Access a marketplace of financial services and on-ramps for a global financial passport.
- Self-custody Bitcoin
- Lightning and Liquid transactions
- Native Tether USDt support
- In-app financial services marketplace
- Asset swapping
- Layer 2 Bitcoin transactions
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AQUA is a Bitcoin wallet that brings Bitcoin, Liquid, Lightning, and Tether USDt together in one simple app. Send low-fee payments, get a unique Lightning Address, buy Bitcoin, swap assets, and access local services — all while keeping full control of your money. Why AQUA: - Self custody your Bitcoin and seamlessly transact in Lightning and Liquid assets, as well as stablecoins like Tether USDt. - Receive Bitcoin to your own @aqua.net Lightning Address and customize it too. - Native Tether USDt support on Liquid means you can pay for network fees in USDt. - Transact fluidly across the most popular USDt blockchains like Solana, Tron, Polygon, and more. - Connect to BTCPay Server via SamRock to accept Bitcoin, Liquid, and Lightning payments directly in AQUA. - Easily swap between assets and move Bitcoin to Layer 2 for faster and cheaper transactions. - In-app access to a growing marketplace of the best services and on-ramps to stack Bitcoin. Be like water! AQUA's intuitive design ensures a smooth user experience, making it ideal for beginners, while its powerful capabilities meet the high expectations of Bitcoin Maximalists worldwide. Download AQUA, the Bitcoin Superapp built for freedom.
SpendSmart
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SpendSmart is a clean and privacy-first expense tracker designed to help you manage your money with simplicity and clarity. Track your daily expenses, monitor spending habits, and stay organized with an intuitive and modern experience built for iPhone. All your data is stored locally on your device, giving you full control over your financial information. Features • Track daily income and expenses • View spending insights and summaries • Organize transactions by categories • Simple and modern user interface • Fast and lightweight experience • Privacy-focused local storage • No unnecessary data collection Whether you are managing personal expenses, budgeting your monthly spending, or simply trying to build better financial habits, SpendSmart helps you stay aware of where your money goes. Built with SwiftUI for a smooth and modern iOS experience.
Screenshots
Verdict
The clearest difference is update cadence: SpendSmart at every 3 weeks against AQUA Wallet's every 6 weeks. AQUA Wallet's advantage is device support (3 vs 1) and iOS requirement (15.0 vs 18.6). On price, ads 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.
AQUA Wallet ships an update every 6 weeks, SpendSmart every 3 weeks. The most recent releases landed on October 27, 2026 and October 28, 2026 respectively.
| Parameter | AQUA Wallet | SpendSmart |
|---|---|---|
| Price | Free | Free |
| Rating | 4.1 (78 ratings) — better | — |
| Positive reviews | 58.1% of reviews | — |
| Number of ratings | 78 — better | — |
| Update frequency | Every 6 weeks | Every 3 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPad, iPod — better | iPhone |
| Requires iOS | 15.0 — better | 18.6 |
| Further details — not scored | ||
| Size | 247 MB | 2 MB |
| Age rating | 4+ | 4+ |
| Developer | Jan3 LLC | Brahmjot Singh Tatla |
Bugs and requests
AQUA Wallet
Reported bugs
21 issues- Swap feature not working/freezing
- Cannot send USDT to another address
- App hangs/freezes after password entry
- App freezes and won't open
- Unresponsive white screen
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- Cannot buy Bitcoin with Apple Pay
- Marketplace glitching with wallet address
- Seed phrase visible without PIN
- Cannot withdraw funds/insufficient balance error
- Funds stuck/unable to send
- Deposit limits
- Withdrawal limits
- Lightning receive not loading invoice (Boltz issues)
- Cannot access camera for QR code scanning
- Wallet doesn't always log out when app is closed
- Bitcoin price and balance in CAD overstated
- Erroneous fees on swaps
- New release (0.2.0) broken
- Hidden BTC send options
- No fee options shown for sending BTC
- Swapping fees higher than stated
Requested features
9 requests- Add Chinese language support
- Support for PPRGB
- Hardware wallet support (Blockstream Jade)
- Ability to send via Lightning without an invoice
- "Drain wallet" option
Show 4 moreShow fewer
- Dark mode option
- Improved UI/UX for swap
- Ability to input desired Bitcoin wallet address for purchases
- Biometric login (PIN/Face ID) for all users
SpendSmart
Not enough reviews yet to summarise bugs or requests.
In-app purchases
AQUA Wallet
No in-app purchases
SpendSmart
No in-app purchases
Questions
Is AQUA Wallet free?
Is SpendSmart free?
Do AQUA Wallet or SpendSmart have ads?
Which is updated more often, AQUA Wallet or SpendSmart?
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