# Fuse vs Payy

The clearest difference is rating: Fuse at 4.5 against Payy's 4.1. Fuse also leads on review sentiment (76% vs 65%). Payy's advantage is update cadence (every 8 days vs every 3 weeks) and device support (3 vs 1). On price, ratings volume, ads and in-app purchases there is nothing between them.

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, 4.5 against 4.1. Both are backed by a comparable volume of ratings — 38 and 35 respectively. Written reviews point the same way: 76% of Fuse's written reviews are positive against 65% of Payy's.

Fuse ships an update every 3 weeks, Payy every 8 days. The most recent releases landed on November 3, 2026 and November 4, 2026 respectively.

## The numbers

| Metric | Fuse | Payy |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.5 (38 ratings)](https://appshunter.io/ios/app/fuse-solana-smart-wallet/id6470302252/reviews)** | [4.1 (35 ratings)](https://appshunter.io/ios/app/payy/id6474760518/reviews) |
| Number of ratings | **38** | 35 |
| Positive reviews | **76.0% of reviews** | 65.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Every 8 days** |
| Monetization | Free | Free |
| Size | 114 MB | 130 MB |
| Requires iOS | 16.4 | **15.5** |
| Devices | iPhone | **iPhone, iPad, iPod** |
| Age rating | 17+ | 4+ |
| Developer | [Squads Labs Inc.](https://appshunter.io/developer/1713362659) | [Polybase Labs](https://appshunter.io/developer/1722468125) |

## What reviewers say

### Fuse

[App page](https://appshunter.io/ios/app/fuse-solana-smart-wallet/id6470302252)

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.

**Highlights:** Smart account technology, Multifactor authentication, Programmable security, Social recovery options, Spending limits, Gas abstraction

**Features:** Apple Wallet

**In-app purchases:** none


### Payy

[App page](https://appshunter.io/ios/app/payy/id6474760518)

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.

**Highlights:** Send stablecoins with payment links, No account freezing or suspension, User-controlled funds, Payy Card for spending, Easy and private digital money

**Features:** Apple Wallet

**In-app purchases:** none


## Frequently asked questions

### Is Fuse free?

Fuse is free to download, with no in-app purchases.

### Is Payy free?

Payy is free to download, with no in-app purchases.

### Which has better reviews, Fuse or Payy?

Fuse is rated higher. Fuse averages 4.5 out of 5 from 38 ratings, while Payy averages 4.1 from 35 ratings.

### Do Fuse or Payy have ads?

Neither Fuse nor Payy shows ads.

### Which is updated more often, Fuse or Payy?

Fuse ships an update every 3 weeks, and Payy every 8 days. Most recently, Fuse was updated on November 3, 2026 and Payy on November 4, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*