Fuse vs Payy
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Fuse
This app redefines digital asset management with a smart wallet built on Solana. It replaces traditional seed phrases with multifactor authentication and programmable smart accounts for enhanced security and control over your Solana assets.
- Smart account technology
- Multifactor authentication
- Programmable security
- Social recovery options
- Spending limits
- Gas abstraction
Read full descriptionHide full description
Fuse is Solana's first smart wallet, designed to leverage smart accounts to redefine personal digital asset management. Fuse is not an iteration of existing crypto wallets; it’s a reimagination of what a crypto wallet can be, meticulously built to support the evolving needs of digital asset management. Fuse is built on Solana’s leading smart account standard—Squads Protocol—to create the most secure wallet for your Solana assets. Fuse replaces seed phrases and single-key pairs with multifactor authentication. Each Fuse wallet deploys a smart account that requires approval from 2 out of 3 designated keys for every transaction. This multisig configuration removes any single point of failure and makes it much harder for unauthorized access to your funds. Fuse’s programmability also lets you rotate keys and enables social recovery, giving you more control and peace of mind. Smart accounts move the industry forward from a one-size-fits-all custody model to one based on programmability and customization. Apart from making wallet access and recovery more seamless, Fuse also unlocks new workflows: - Progressive Security: Start with a simple email for wallet recovery and elevate your security over time. Whether it's integrating a cold wallet as a 2FA mechanism or the flexibility to rotate keys, Fuse adapts to your security needs. - Spending Limits: Define spending limits for any token and timeframe. Spending limits enable transactions without multifactor authentication for predefined operations, blending convenience with control. - Gas Abstraction: Fuse acts as a “gas tank” that automatically pays network fees on your behalf, ensuring a seamless transaction experience at all times. We created Fuse with the belief that robust asset security is crucial for the growth of the onchain economy. We aim to be the premier platform for growing your onchain wealth securely. Try Fuse today. The Prepaid Debit Visa Card (the “Card”) is issued by Lead Bank, pursuant to licensing by Visa U.S.A. Inc. and may be used everywhere Visa is accepted. Must be 18 or older to apply. Fees may apply. See Cardholder Agreement and Squads Labs Inc. (“Squads”) website for more details. Bridge Ventures LLC (“Bridge”) is not a bank. Bridge is a financial technology company and is the Program Manager responsible for managing and operating the Card on behalf of Lead Bank. Squads is not a bank. Squads is a financial technology company and is the Platform Provider responsible for the application, access, and management of/for the card.
Payy
This app offers a global money transfer solution, enabling easy and private digital payments. Send stablecoins using payment links, and enjoy financial freedom without the risk of account suspension or freezing. A debit card is also available for spending.
- Send stablecoins with payment links
- No account freezing or suspension
- User-controlled funds
- Payy Card for spending
- Easy and private digital money
Read full descriptionHide full description
Payy is the global money app for everyone. Other money apps have fees, limits and delays. Blockchains are clunky and unsafe. Payy is a new financial system built from the ground up to make digital money easy & private. • Send stablecoins with magical payment links — the receiver doesn’t even need to have Payy. • Never get debanked. Your account can never be frozen or suspended. Funds on Payy are controlled by you, not some bank. • Payy Card (limited availability) — spend stablecoins online or in shops, with unrivaled privacy.
Screenshots
Verdict
The clearest difference is rating: Fuse at 4.7 against Payy's 4.1. Fuse also leads on review sentiment (75% vs 65%). Payy's advantage is update cadence (weekly vs every 3 weeks). On price, ratings volume, 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.
Fuse holds the better App Store score, 4.7 against 4.1. Both are backed by a comparable volume of ratings — 30 and 35 respectively. Written reviews point the same way: 75% of Fuse's written reviews are positive against 65% of Payy's.
Fuse ships an update every 3 weeks, Payy weekly. The most recent releases landed on September 17, 2026 and August 28, 2026 respectively.
| Parameter | Fuse | Payy |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (30 ratings) — better | 4.1 (35 ratings) |
| Positive reviews | 75.0% of reviews — better | 65.0% of reviews |
| Number of ratings | 30 | 35 — better |
| Update frequency | Every 3 weeks | Weekly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 15.1 — better | 15.5 |
| Further details — not scored | ||
| Size | 96 MB | 130 MB |
| Age rating | 17+ | 4+ |
| Developer | Squads Labs Inc. | Polybase Labs |
Customer experience
Fuse
Payy
In-app purchases
Fuse
No in-app purchases
Payy
No in-app purchases









