Comparison

InstaWally vs Rikki

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

Head to head
About

InstaWally

Features
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InstaWally for Fintechs and Businesses - A proprietary white-label wallet app designed to streamline payments for businesses and their customers on a single platform. - Easily set up your own wallet program with integrated payment features, including credit card issuing, top-ups via bank transfers, and digital assets. Launch your customer loyalty program hassle-free. - Tailor the wallet experience with your brand colors and design to ensure a consistent brand identity. - Save on resources by leveraging our platform, eliminating the need for your own infrastructure to manage the wallet app. About Us DCS Innov emerged from the vision of DCS Card Centre to spearhead payment innovation within Singapore and the region. We benefit from several operational strengths of DCS Card Centre as an established financial institution that is regulated under the Banking Act. These include its regulatory licenses, cards and payments infrastructure, as well as risk and compliance processes. All of which can now be harnessed within a single stop shop at Innov. For fintechs/businesses who would like to request for a demo, please visit www.dcsinnov.com.

About

Rikki

Features
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For Rikki rings and bracelets, the app allows the secure management of wearables for: - securely connect your card to the ring/bracelet you have chosen - suspend and activate the ring with one click - change the card associated with the ring - be assured that if you lose your phone, no one can access the bank details associated with the ring because the app does not retain any confidential information.

Screenshots

InstaWally4 screens
Rikki4 screens

Verdict

The call

The clearest difference is update cadence: Rikki at every 5 weeks against InstaWally's every 3 months. InstaWally's advantage is iOS requirement (13.4 vs 17.0). On price, ads, in-app purchases and device support there is nothing between them.

Scored on Price ยท Rating ยท Positive reviews ยท Number of ratings ยท Update frequency ยท Ads ยท In-app purchases ยท Monetization ยท Best chart rank ยท Devices ยท Requires iOS

CostPrice ยท In-app purchases ยท Ads ยท Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

InstaWally ships an update every 3 months, Rikki every 5 weeks. The most recent releases landed on October 10, 2026 and October 8, 2026 respectively.

Scorecard2 real differences ยท 4 level
InstaWally versus Rikki: the parameters behind the verdict, then further details
ParameterInstaWallyRikki
PriceFreeFree
Update frequencyEvery 3 monthsEvery 5 weeks โ€” better
AdsNoNo
In-app purchasesNoNo
DevicesiPhone, iPod โ€” betteriPhone
Requires iOS13.4 โ€” better17.0
Further details โ€” not scored
Size203 MB9 MB
Age rating4+4+
DeveloperDCS Card Centre Pte LtdSokjo Banking Solutions SL

In-app purchases

None

InstaWally

No in-app purchases

None

Rikki

No in-app purchases

Questions

Is InstaWally free?
InstaWally is free to download, with no in-app purchases.
Is Rikki free?
Rikki is free to download, with no in-app purchases.
Do InstaWally or Rikki have ads?
Neither InstaWally nor Rikki shows ads.
Which is updated more often, InstaWally or Rikki?
InstaWally ships an update every 3 months, and Rikki every 5 weeks. Most recently, InstaWally was updated on October 10, 2026 and Rikki on October 8, 2026.

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