Comparison

AQUA Wallet vs SpendSmart

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

Head to head
About

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.

Highlights
  • Self-custody Bitcoin
  • Lightning and Liquid transactions
  • Native Tether USDt support
  • In-app financial services marketplace
  • Asset swapping
  • Layer 2 Bitcoin transactions
Read full description

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.

About

SpendSmart

Features
Read full description

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

AQUA Wallet4 screens
SpendSmart4 screens

Verdict

The call

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

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

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.

Scorecard3 real differences · 7 level
AQUA Wallet versus SpendSmart: the parameters behind the verdict, then further details
ParameterAQUA WalletSpendSmart
PriceFreeFree
Rating4.1 (78 ratings) — better—
Positive reviews58.1% of reviews—
Number of ratings78 — better—
Update frequencyEvery 6 weeksEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS15.0 — better18.6
Further details — not scored
Size247 MB2 MB
Age rating4+4+
DeveloperJan3 LLCBrahmjot 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
Show 16 more
  • 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 more
  • 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

None

AQUA Wallet

No in-app purchases

None

SpendSmart

No in-app purchases

Questions

Is AQUA Wallet free?
AQUA Wallet is free to download, with no in-app purchases.
Is SpendSmart free?
SpendSmart is free to download, with no in-app purchases.
Do AQUA Wallet or SpendSmart have ads?
Neither AQUA Wallet nor SpendSmart shows ads.
Which is updated more often, AQUA Wallet or SpendSmart?
AQUA Wallet ships an update every 6 weeks, and SpendSmart every 3 weeks. Most recently, AQUA Wallet was updated on October 27, 2026 and SpendSmart on October 28, 2026.

Other comparisons